BPER Banca SpA 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	10,976	7,888	10,086	13,997	1,306	849.1
Investment Securities	16,760	13,486	15,336	16,278	14,046	12,096
Trading Asset Securities	1,539	1,440	1,903	2,860	677.9	449.29
Total Investments	18,299	14,925	17,239	19,138	14,724	12,545
Gross Loans	155,075	107,654	103,576	108,653	96,762	68,336
Allowance for Loan Losses	-	-1,634	-1,523	-1,884	-2,111	-1,772
Net Loans	155,075	106,021	102,052	106,769	94,651	66,564
Property, Plant & Equipment	3,112	2,066	1,963	2,094	1,647	1,093
Goodwill	1,202	170.02	170.02	204.39	204.39	434.76
Other Intangible Assets	564.62	540.75	478.96	359.11	254.81	267.97
Investments in Real Estate	-	436.42	494.03	452.35	297.51	272.36
Accrued Interest Receivable	-	13.86	18.44	18.55	11.38	14.52
Other Receivables	209.31	5,422	5,985	3,742	1,168	716.94
Restricted Cash	1,324	1,014	1,037	1,348	20,310	8,353
Other Current Assets	5,494	499.04	302.51	1,534	199.83	248.02
Long-Term Deferred Tax Assets	1,320	1,384	1,834	2,352	1,374	1,585
Other Long-Term Assets	7,264	197.04	455.38	278.6	184.27	108.91
Total Assets	204,840	140,591	142,128	152,303	136,348	93,062
Accounts Payable	-	366.87	394	444.64	290.19	247.13
Accrued Expenses	-	1,041	985.68	809.32	540.61	264.31
Interest Bearing Deposits	7,982	3,073	4,543	2,696	1,192	1,064
Non-Interest Bearing Deposits	126,863	93,869	94,751	102,895	92,054	55,166
Total Deposits	134,845	96,943	99,294	105,590	93,246	56,230
Short-Term Borrowings	13,860	5,889	6,636	4,318	6,533	3,525
Current Portion of Leases	-	74.93	70.51	80.43	67.31	54.31
Current Income Taxes Payable	380.67	15.18	10.64	8.17	9.6	4.8
Other Current Liabilities	3,836	1,329	411.57	1,800	1,399	846.15
Long-Term Debt	25,802	20,340	20,732	27,305	25,167	23,849
Long-Term Leases	551.45	338.15	257.94	288.69	263.05	203.28
Pension & Post-Retirement Benefits	415.27	243.1	272.12	294.81	352.47	298.2
Long-Term Deferred Tax Liabilities	152.79	57.11	56.77	63.39	58.9	77.52
Other Long-Term Liabilities	7,857	2,391	3,442	3,179	1,560	1,128
Total Liabilities	187,700	129,027	132,563	144,182	129,489	86,728
Common Stock	2,953	2,122	2,104	2,104	2,100	2,100
Additional Paid-In Capital	4,596	1,245	1,237	1,237	1,240	1,241
Retained Earnings	1,479	6,017	5,056	3,785	2,440	2,019
Treasury Stock	-24.2	-32.04	-2.25	-5.68	-9.55	-7.26
Comprehensive Income & Other	6,974	2,002	971.61	818.88	925.2	846.36
Total Common Equity	15,978	11,354	9,366	7,940	6,696	6,200
Minority Interest	1,161	210.41	199.33	180.36	162.5	133.98
Shareholders' Equity	17,139	11,564	9,565	8,121	6,859	6,334
Total Liabilities & Equity	204,840	140,591	142,128	152,303	136,348	93,062
Total Debt	40,213	26,642	27,696	31,992	32,031	27,631
Net Cash (Debt)	-27,269	-16,935	-15,328	-14,537	-29,509	-26,121
Net Cash Per Share	-17.75	-11.69	-10.57	-10.04	-20.38	-36.55
Filing Date Shares Outstanding	1,964	1,416	1,415	1,414	1,411	1,413
Total Common Shares Outstanding	1,964	1,416	1,415	1,414	1,411	1,413
Book Value Per Share	8.14	8.02	6.62	5.61	4.75	4.39
Tangible Book Value	14,212	10,643	8,717	7,377	6,237	5,497
Tangible Book Value Per Share	7.24	7.52	6.16	5.22	4.42	3.89

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