BAWAG Group AG 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	Sep '25 Sep 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	13,503	494	412	138	110	173
Investment Securities	5,864	5,719	7,093	6,492	6,726	7,821
Trading Asset Securities	-	429	40	-125	341	870
Total Investments	5,864	6,148	7,133	6,367	7,067	8,691
Gross Loans	49,855	46,027	33,907	36,323	35,462	32,606
Allowance for Loan Losses	-	-349	-379	-428	-398	-372
Other Adjustments to Gross Loans	-	-182	-195	-132	-101	-105
Net Loans	49,855	45,496	33,333	35,763	34,963	32,129
Property, Plant & Equipment	-	254	259	268	290	332
Goodwill	-	119	118	98	96	94
Other Intangible Assets	-	413	415	424	439	458
Investments in Real Estate	-	50	75	84	104	143
Other Receivables	460	903	566	12,715	11,195	9,910
Restricted Cash	-	17,110	12,374	382	1,784	734
Other Current Assets	-	5	538	249	34	181
Long-Term Deferred Tax Assets	-	121	18	18	10	9
Other Long-Term Assets	1,840	228	207	17	233	268
Total Assets	71,522	71,341	55,448	56,523	56,325	53,122
Accrued Expenses	-	40	16	18	23	33
Interest Bearing Deposits	46,593	27,925	19,168	22,859	22,963	23,381
Non-Interest Bearing Deposits	-	19,509	15,916	17,778	19,558	16,556
Total Deposits	46,593	47,434	35,084	40,637	42,521	39,937
Short-Term Borrowings	-	525	664	481	573	939
Current Portion of Long-Term Debt	-	1,453	134	-	-	202
Current Portion of Leases	-	25.9	26.5	27.9	26.8	23.9
Current Income Taxes Payable	-	145	190	43	131	45
Other Current Liabilities	-	-	482	-	-	-
Long-Term Debt	18,213	15,821	13,591	10,195	7,379	6,273
Long-Term Leases	-	146.1	154.5	164.1	182.2	202.1
Pension & Post-Retirement Benefits	-	169	150	174	221	258
Long-Term Deferred Tax Liabilities	-	119	119	95	93	110
Other Long-Term Liabilities	1,969	730	667	697	797	745
Total Liabilities	66,775	66,608	51,278	52,532	51,947	48,768
Common Stock	4,747	79	79	82.2	88.9	87.9
Retained Earnings	-	2,940	2,603	2,419	2,706	2,713
Comprehensive Income & Other	-	1,714	1,488	1,489	1,578	1,549
Total Common Equity	4,747	4,733	4,170	3,991	4,373	4,350
Minority Interest	-	-	-	-	5	4
Shareholders' Equity	4,747	4,733	4,170	3,991	4,378	4,354
Total Liabilities & Equity	71,522	71,341	55,448	56,523	56,325	53,122
Total Debt	18,213	17,971	14,570	10,868	8,161	7,640
Net Cash (Debt)	-4,710	-17,048	-14,118	-10,855	-7,710	-6,597
Net Cash Per Share	-59.57	-215.40	-171.92	-124.06	-86.55	-74.02
Filing Date Shares Outstanding	76.96	78.52	78.51	82.15	88.86	87.94
Total Common Shares Outstanding	76.96	78.52	78.51	82.15	88.86	87.94
Book Value Per Share	61.68	60.27	53.12	48.58	49.21	49.47
Tangible Book Value	4,747	4,201	3,637	3,469	3,838	3,798
Tangible Book Value Per Share	61.68	53.50	46.33	42.23	43.19	43.19

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