EPA:CAT31 Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	45.7	40.94	45.4	42.47	40.58	49.4
Investment Securities	2,426	2,330	2,032	1,972	2,054	1,989
Trading Asset Securities	85.21	105.87	89.53	65.68	83.53	161.02
Total Investments	2,511	2,436	2,122	2,037	2,137	2,150
Gross Loans	12,191	12,169	12,068	11,922	11,275	10,767
Allowance for Loan Losses	-164.33	-154.53	-150.83	-149.42	-144.33	-151.12
Net Loans	12,027	12,015	11,917	11,772	11,130	10,616
Property, Plant & Equipment	71.17	73.06	81.45	89.22	99.1	109.87
Goodwill	-	-	-	-	-	7.88
Other Intangible Assets	1.03	0.36	0.15	0.17	0.19	1.72
Investments in Real Estate	1.64	1.68	1.77	1.86	1.97	1.68
Accrued Interest Receivable	149.49	39.74	49.86	37.09	32.29	30.57
Other Receivables	1,620	1,711	1,584	2,326	1,297	1,030
Restricted Cash	-	12.96	12.22	3.23	3.89	5.91
Other Current Assets	-	1.88	6.11	6.71	2.18	0.83
Long-Term Deferred Tax Assets	-	26.5	26.91	25.95	24.44	30.47
Other Long-Term Assets	-	21.4	26.12	23.76	17.9	24.3
Total Assets	16,426	16,381	15,873	16,366	14,788	14,058
Accounts Payable	-	132.31	185.02	360.53	74.03	79.55
Accrued Expenses	311.2	43.83	80.63	82.76	40.85	38.42
Interest Bearing Deposits	9,783	9,903	9,544	9,016	7,645	7,244
Non-Interest Bearing Deposits	3,763	3,709	3,817	4,624	4,525	4,108
Total Deposits	13,545	13,612	13,361	13,640	12,170	11,352
Short-Term Borrowings	247.4	258.1	65.71	204.86	297.05	615.15
Current Portion of Long-Term Debt	-	92.08	112.95	116.61	186.61	143.85
Current Portion of Leases	-	1.4	1.58	1.64	1.66	1.72
Current Income Taxes Payable	4.19	1.21	2.32	0.41	0.23	0.19
Other Current Liabilities	-	30.78	8.32	3.88	21.88	24.63
Long-Term Debt	162.2	45.82	38.72	56.53	61.13	84.85
Long-Term Leases	-	3.84	4.89	5.85	7.39	8.49
Long-Term Unearned Revenue	-	58.37	50.57	47.42	46.72	48.85
Pension & Post-Retirement Benefits	2.95	2.17	2.49	0.79	1	3.25
Long-Term Deferred Tax Liabilities	-	0.03	0.04	0	-	-
Other Long-Term Liabilities	27.52	63.67	64.12	65.64	71.83	64.75
Total Liabilities	14,301	14,346	13,978	14,587	12,980	12,466
Common Stock	324.03	190.86	186.86	191.31	189.77	181.68
Additional Paid-In Capital	-	-	-	137.69	137.69	137.69
Retained Earnings	41.84	66.48	59.3	66.62	69.94	35.43
Treasury Stock	-	-4.35	-3	-1.82	-1.39	-1.33
Comprehensive Income & Other	1,760	1,782	1,652	1,385	1,412	1,239
Total Common Equity	2,126	2,035	1,896	1,779	1,808	1,592
Minority Interest	0.02	0.02	0.02	0.02	0.02	0.02
Shareholders' Equity	2,126	2,035	1,896	1,779	1,808	1,592
Total Liabilities & Equity	16,426	16,381	15,873	16,366	14,788	14,058
Total Debt	409.6	401.24	223.84	385.49	553.84	854.05
Net Cash (Debt)	-113.78	-91.7	-88.91	-250.59	-385.63	-448.93
Net Cash Per Share	-35.95	-28.97	-19.42	-54.74	-84.01	-97.80
Filing Date Shares Outstanding	4.58	4.53	4.58	4.58	4.59	4.59
Total Common Shares Outstanding	4.58	4.53	4.58	4.58	4.59	4.59
Book Value Per Share	463.98	449.36	414.06	388.58	393.77	346.90
Tangible Book Value	2,124	2,034	1,895	1,779	1,807	1,583
Tangible Book Value Per Share	463.75	449.29	414.02	388.55	393.73	344.81

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