Banco do Estado do Rio Grande do Sul S.A. (BVMF:BRSR3)

BVMF:BRSR3 Balance Sheet

Financials in millions BRL. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	1,306	1,134	1,146	1,579	1,547	1,274
Investment Securities	67,991	56,965	40,436	33,980	35,744	33,418
Trading Asset Securities	2,910	5,189	9,377	8,960	9,460	7,500
Mortgage-Backed Securities	-	3.71	1.91	-	2.84	-
Total Investments	70,900	62,158	49,816	42,941	45,206	40,918
Gross Loans	64,107	62,158	53,759	49,275	41,158	34,881
Allowance for Loan Losses	-3,264	-2,604	-2,252	-2,258	-2,554	-2,598
Net Loans	60,844	59,554	51,507	47,018	38,604	32,283
Property, Plant & Equipment	936.67	934.55	839.58	797.36	767.14	439.69
Other Intangible Assets	324.63	465.58	621.25	663.7	741.15	805.73
Accrued Interest Receivable	133.39	117.58	104.39	89.12	102.86	108.09
Other Receivables	544.27	342.38	387.3	339.18	238.84	-0.06
Restricted Cash	14,083	11,717	11,320	10,799	9,739	7,751
Other Current Assets	3,548	5,671	4,445	4,214	2,812	3,099
Long-Term Deferred Tax Assets	3,690	3,695	3,442	3,428	2,989	3,071
Other Long-Term Assets	1,476	1,125	985.51	804.47	1,827	939.19
Total Assets	158,836	147,937	125,667	113,660	105,769	91,823
Accrued Expenses	384.32	354.1	377.7	403.45	260.56	300.7
Interest Bearing Deposits	92,826	83,808	71,525	62,828	59,602	58,157
Non-Interest Bearing Deposits	2,756	4,387	5,236	4,788	4,676	4,289
Total Deposits	95,582	88,195	76,761	67,616	64,277	62,447
Short-Term Borrowings	23,056	22,239	16,791	13,091	10,858	4,362
Current Portion of Long-Term Debt	4,740	2,919	56.87	1,098	4,151	637.31
Current Portion of Leases	2,394	81.74	81	96.58	92.6	-
Current Income Taxes Payable	450.38	252.77	262.73	240.24	207.52	154.14
Other Current Liabilities	11,407	13,561	11,932	12,774	9,196	7,034
Long-Term Debt	4,518	4,711	4,798	3,902	2,954	4,241
Long-Term Leases	-	169.53	133.75	164.92	184.37	-
Long-Term Unearned Revenue	107.21	115.57	126.99	139.38	152.4	165.06
Pension & Post-Retirement Benefits	571.51	483.49	776.63	657.11	913.09	1,139
Long-Term Deferred Tax Liabilities	425.79	407.52	412.58	567.66	401.3	407.43
Other Long-Term Liabilities	4,095	4,028	3,292	3,389	3,031	2,589
Total Liabilities	147,733	137,518	115,801	104,139	96,680	83,477
Common Stock	8,300	8,000	5,200	5,200	5,200	5,200
Retained Earnings	2,672	2,519	4,957	4,376	3,888	3,411
Comprehensive Income & Other	127.26	-104.26	-298.41	-61.65	-2.21	-267.19
Total Common Equity	11,099	10,415	9,859	9,514	9,086	8,344
Minority Interest	3.36	3.71	6.8	6.23	2.37	2.15
Shareholders' Equity	11,103	10,419	9,866	9,520	9,089	8,346
Total Liabilities & Equity	158,836	147,937	125,667	113,660	105,769	91,823
Total Debt	34,709	30,120	21,860	18,353	18,241	9,241
Net Cash (Debt)	-27,756	-21,211	-5,192	-4,867	-1,472	5,564
Net Cash Growth	-	-	-	-	-	1964.25%
Net Cash Per Share	-67.87	-51.86	-12.71	-11.90	-3.60	13.60
Filing Date Shares Outstanding	408.97	408.97	408.97	408.97	408.97	408.97
Total Common Shares Outstanding	408.97	408.97	408.97	408.97	408.97	408.97
Book Value Per Share	27.14	25.47	24.11	23.26	22.22	20.40
Tangible Book Value	10,775	9,949	9,238	8,850	8,345	7,538
Tangible Book Value Per Share	26.35	24.33	22.59	21.64	20.40	18.43

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.