Heartland Group Holdings Balance Sheet

Financials in millions NZD. Fiscal year is July - June.

Millions NZD. Fiscal year is Jul - Jun.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Cash & Equivalents	341.78	585.97	294.63	290.56	173.29
Investment Securities	782.61	379.39	324.86	289.29	377.82
Trading Asset Securities	13.94	725.06	42.37	45.22	14.14
Total Investments	796.55	1,104	367.22	334.52	391.96
Gross Loans	7,156	7,241	6,791	6,196	5,018
Allowance for Loan Losses	-73.28	-76.32	-53.27	-52.01	-53.69
Net Loans	7,082	7,165	6,738	6,144	4,965
Property, Plant & Equipment	49.5	55.81	43.53	36.64	35.91
Goodwill	204.82	208.72	184.42	183.24	45.14
Other Intangible Assets	60.4	71.18	51.31	35.64	24.02
Investments in Real Estate	4.39	3.66	11.9	11.83	11.83
Other Receivables	47.56	23.7	3.78	3.22	3.47
Restricted Cash	14.45	43.65	16.87	20.2	9.05
Other Current Assets	23.65	6.22	11.93	7.67	4.29
Long-Term Deferred Tax Assets	21.95	23.73	21.11	23.07	14.12
Total Assets	8,647	9,292	7,745	7,090	5,678
Accounts Payable	16.64	17.16	14.73	21.36	11.24
Accrued Expenses	17.51	17.77	15.96	12.51	11.59
Interest Bearing Deposits	6,492	5,911	4,122	3,593	3,183
Non-Interest Bearing Deposits	38.37	38.19	9.21	-	-
Total Deposits	6,530	5,949	4,131	3,593	3,183
Short-Term Borrowings	20.66	9.02	7.62	6.34	45.17
Current Portion of Leases	3.54	3.69	3.17	3.67	2.34
Current Income Taxes Payable	2.48	-	6.11	22.04	7.44
Other Current Liabilities	-	2.38	27.61	32.34	4.09
Long-Term Debt	825.45	2,041	2,496	2,578	1,635
Long-Term Leases	10.85	14.09	11.12	12.57	15.83
Long-Term Deferred Tax Liabilities	1.32	-	-	-	-
Total Liabilities	7,428	8,054	6,714	6,282	4,916
Common Stock	1,028	1,019	800.71	599.19	583.78
Retained Earnings	219.56	227.41	224.05	199.59	178.39
Comprehensive Income & Other	-28.78	-8.5	6.24	9.94	-0.48
Shareholders' Equity	1,219	1,238	1,031	808.71	761.69
Total Liabilities & Equity	8,647	9,292	7,745	7,090	5,678
Total Debt	860.5	2,068	2,518	2,601	1,698
Net Cash (Debt)	-504.78	-756.53	-2,181	-2,004	-1,159
Net Cash Per Share	-0.54	-1.00	-3.18	-3.40	-1.99
Filing Date Shares Outstanding	940.1	930.56	709.66	592.9	585.9
Total Common Shares Outstanding	940.1	930.56	709.66	592.9	585.9
Book Value Per Share	1.30	1.33	1.45	1.36	1.30
Tangible Book Value	953.83	957.96	795.27	589.83	692.53
Tangible Book Value Per Share	1.01	1.03	1.12	0.99	1.18

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