FRA:4IK Balance Sheet

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

Millions USD. 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	2,031	2,413	2,286	2,491	2,998
Investment Securities	7,030	6,574	5,720	6,226	6,642
Trading Asset Securities	1.06	35.48	2.34	6.51	8.12
Mortgage-Backed Securities	13.78	15.36	17.13	19	27.34
Total Investments	7,044	6,625	5,739	6,251	6,677
Gross Loans	4,408	4,499	4,772	5,121	5,269
Allowance for Loan Losses	-25.38	-25.71	-25.76	-24.96	-28.07
Net Loans	4,382	4,474	4,746	5,096	5,241
Property, Plant & Equipment	191.98	187.19	186.08	165.98	171.38
Goodwill	25.39	23.62	24.11	22.89	25.36
Other Intangible Assets	66.02	67.93	76.53	65.29	67.58
Accrued Interest Receivable	11.1	8	23.1	16.6	7.6
Restricted Cash	67.75	90.43	25.61	15.76	23.66
Long-Term Deferred Tax Assets	1	2.55	3.2	1.93	2.67
Other Real Estate Owned & Foreclosed	-	-	0.45	0.8	0.69
Other Long-Term Assets	274.31	340.27	263.86	177.78	120.31
Total Assets	14,095	14,231	13,374	14,306	15,335
Interest Bearing Deposits	9,997	10,058	5,689	6,911	8,169
Institutional Deposits	-	-	3,641	3,040	2,880
Non-Interest Bearing Deposits	2,701	2,688	2,657	3,040	2,821
Total Deposits	12,698	12,746	11,987	12,991	13,870
Short-Term Borrowings	5.27	94.6	13.97	6.25	3.42
Current Portion of Leases	5.25	-	-	-	-
Accrued Interest Payable	121.27	152.16	149.55	146.65	147.17
Long-Term Debt	-	98.73	98.49	172.29	171.88
Long-Term Leases	38.73	35.6	33.01	32.97	38.79
Pension & Post-Retirement Benefits	84.47	83.59	88.69	92.02	126.23
Total Liabilities	12,953	13,211	12,370	13,441	14,358
Common Stock	0.4	0.44	0.48	0.5	0.5
Additional Paid-In Capital	851.22	916.39	988.9	1,033	1,018
Retained Earnings	494.38	422.46	342.52	229.73	104.33
Treasury Stock	-	-23.06	-18.1	-20.6	-20.06
Comprehensive Income & Other	-204.16	-295.42	-310.2	-377.45	-124.92
Total Common Equity	1,142	1,021	1,004	864.82	977.49
Shareholders' Equity	1,142	1,021	1,004	864.82	977.49
Total Liabilities & Equity	14,095	14,231	13,374	14,306	15,335
Total Debt	49.24	228.93	145.48	211.51	214.09
Net Cash (Debt)	3,079	3,425	2,330	2,346	2,888
Net Cash Growth	-10.12%	47.01%	-0.69%	-18.77%	-22.38%
Net Cash Per Share	72.58	74.62	47.28	47.06	57.91
Filing Date Shares Outstanding	39.95	42.92	46.91	49.66	49.29
Total Common Shares Outstanding	39.95	42.92	46.91	49.66	49.29
Book Value Per Share	28.58	23.78	21.39	17.42	19.83
Tangible Book Value	1,050	929.27	902.96	776.64	884.56
Tangible Book Value Per Share	26.30	21.65	19.25	15.64	17.95

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