EPA:CRAV 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	80.53	57.04	54.76	61.1	50.56
Investment Securities	3,843	3,219	3,146	2,761	2,936
Trading Asset Securities	154.95	300.46	241.45	99.78	171.12
Total Investments	3,998	3,519	3,387	2,861	3,107
Gross Loans	28,190	28,660	27,330	28,335	24,440
Allowance for Loan Losses	-	-328.67	-306.2	-285.19	-279.11
Net Loans	28,190	28,332	27,024	28,050	24,161
Property, Plant & Equipment	267.01	262.79	237.5	213.74	205.44
Other Intangible Assets	5.57	5.65	4.74	4.52	4.48
Investments in Real Estate	8.74	9.17	9.97	10.42	11.13
Accrued Interest Receivable	323.24	122.57	99.71	86.4	77.42
Other Receivables	-	182.92	257.23	156.55	307.65
Restricted Cash	-	15.99	10.68	10.89	17.61
Other Current Assets	-	3.37	3.53	3.11	1.33
Long-Term Deferred Tax Assets	56.21	63.45	69.18	66.05	53.79
Other Long-Term Assets	-	0.36	0.33	0.45	0.68
Total Assets	32,929	32,574	31,159	31,524	27,997
Accounts Payable	-	436.28	726.34	1,421	166.89
Accrued Expenses	959.23	108.5	144.62	149.29	92.97
Interest Bearing Deposits	9,856	21,153	19,531	18,593	16,355
Non-Interest Bearing Deposits	-	5,880	5,896	6,644	6,928
Total Deposits	9,856	27,033	25,426	25,238	23,283
Short-Term Borrowings	125.08	391.67	421.24	326.96	205.39
Current Portion of Long-Term Debt	-	271.95	366.66	495.47	-
Current Portion of Leases	-	4.36	5.29	2.48	4.2
Current Income Taxes Payable	0.07	4.25	4.64	4.64	3.34
Other Current Liabilities	26.45	8.75	30.34	24.78	27.41
Long-Term Debt	17,533	81.49	64.33	100.95	419.99
Long-Term Leases	-	4.81	0.72	2.26	2.18
Long-Term Unearned Revenue	-	138.05	122.99	112.6	113.39
Pension & Post-Retirement Benefits	-	4.59	4.99	2.43	6.5
Long-Term Deferred Tax Liabilities	-	0.06	0.17	0.04	0
Other Long-Term Liabilities	62.3	100.24	95.64	95.97	106.34
Total Liabilities	28,562	28,588	27,414	27,977	24,431
Common Stock	645.02	442.21	439.54	451.58	434.84
Additional Paid-In Capital	-	194.92	194.39	194.52	194.76
Retained Earnings	85.48	85.6	86.41	132.9	113.46
Treasury Stock	-	-0.51	-0.55	-0.61	-0.56
Comprehensive Income & Other	3,636	3,264	3,025	2,769	2,824
Shareholders' Equity	4,367	3,986	3,745	3,547	3,566
Total Liabilities & Equity	32,929	32,574	31,159	31,524	27,997
Total Debt	17,659	754.28	858.23	928.12	631.76
Net Cash (Debt)	-17,423	-324.81	-313.61	-752.32	-410.09
Net Cash Per Share	-	-44.00	-42.46	-101.85	-55.49
Filing Date Shares Outstanding	-	7.38	7.39	7.39	7.39
Total Common Shares Outstanding	-	7.38	7.39	7.39	7.39
Book Value Per Share	-	539.91	507.05	480.26	482.58
Tangible Book Value	4,361	3,980	3,740	3,543	3,562
Tangible Book Value Per Share	-	539.15	506.41	479.65	481.97

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