EPA:CAT31 Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	41.12	40.94	45.4	42.47	40.58
Investment Securities	2,717	2,330	2,032	1,972	2,054
Trading Asset Securities	66.74	105.87	89.53	65.68	83.53
Total Investments	2,783	2,436	2,122	2,037	2,137
Gross Loans	12,231	12,169	12,068	11,922	11,275
Allowance for Loan Losses	-166	-154.53	-150.83	-149.42	-144.33
Net Loans	12,065	12,015	11,917	11,772	11,130
Property, Plant & Equipment	66.33	73.06	81.45	89.22	99.1
Other Intangible Assets	1.66	0.36	0.15	0.17	0.19
Investments in Real Estate	1.58	1.68	1.77	1.86	1.97
Accrued Interest Receivable	47.2	39.74	49.86	37.09	32.29
Other Receivables	1,557	1,711	1,584	2,326	1,297
Restricted Cash	14.11	12.96	12.22	3.23	3.89
Other Current Assets	1.98	1.88	6.11	6.71	2.18
Long-Term Deferred Tax Assets	20.01	26.5	26.91	25.95	24.44
Other Long-Term Assets	9.76	21.4	26.12	23.76	17.9
Total Assets	16,609	16,381	15,873	16,366	14,788
Accounts Payable	203	132.31	185.02	360.53	74.03
Accrued Expenses	52.86	43.83	80.63	82.76	40.85
Interest Bearing Deposits	9,780	9,903	9,544	9,016	7,645
Non-Interest Bearing Deposits	3,823	3,709	3,817	4,624	4,525
Total Deposits	13,603	13,612	13,361	13,640	12,170
Short-Term Borrowings	219.01	258.1	65.71	204.86	297.05
Current Portion of Long-Term Debt	74.09	92.08	112.95	116.61	186.61
Current Portion of Leases	1.16	1.4	1.58	1.64	1.66
Current Income Taxes Payable	-	1.21	2.32	0.41	0.23
Other Current Liabilities	22.05	30.78	8.32	3.88	21.88
Long-Term Debt	46.59	45.82	38.72	56.53	61.13
Long-Term Leases	4.98	3.84	4.89	5.85	7.39
Long-Term Unearned Revenue	63.68	58.37	50.57	47.42	46.72
Pension & Post-Retirement Benefits	1.65	2.17	2.49	0.79	1
Long-Term Deferred Tax Liabilities	0.04	0.03	0.04	0	-
Other Long-Term Liabilities	68.16	63.67	64.12	65.64	71.83
Total Liabilities	14,360	14,346	13,978	14,587	12,980
Common Stock	189.75	190.86	186.86	191.31	189.77
Additional Paid-In Capital	137.69	137.69	-	137.69	137.69
Retained Earnings	70.5	66.48	59.3	66.62	69.94
Treasury Stock	-6.16	-4.35	-3	-1.82	-1.39
Comprehensive Income & Other	1,858	1,644	1,652	1,385	1,412
Total Common Equity	2,249	2,035	1,896	1,779	1,808
Minority Interest	0.02	0.02	0.02	0.02	0.02
Shareholders' Equity	2,249	2,035	1,896	1,779	1,808
Total Liabilities & Equity	16,609	16,381	15,873	16,366	14,788
Total Debt	345.82	401.24	223.84	385.49	553.84
Net Cash (Debt)	-71.24	-91.7	-88.91	-250.59	-385.63
Net Cash Per Share	-15.83	-28.97	-19.42	-54.74	-84.01
Filing Date Shares Outstanding	4.5	4.53	4.58	4.58	4.59
Total Common Shares Outstanding	4.5	4.53	4.58	4.58	4.59
Book Value Per Share	499.87	449.36	414.06	388.58	393.77
Tangible Book Value	2,248	2,034	1,895	1,779	1,807
Tangible Book Value Per Share	499.50	449.29	414.02	388.55	393.73

Source: S&P Global Market Intelligence. Banks template. Financial Sources.