Banca Sistema 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	261.29	93.44	250.5	126.59	175.84	68.86
Investment Securities	931.38	1,148	577	574.35	452.26	440.64
Trading Asset Securities	3.63	3.56	3.65	-	-	-
Total Investments	935.02	1,152	580.65	574.35	452.26	440.64
Gross Loans	2,718	2,915	3,468	3,566	3,002	3,105
Allowance for Loan Losses	-65.4	-65.15	-71.64	-68.21	-66.34	-53.34
Net Loans	2,652	2,850	3,396	3,498	2,936	3,052
Property, Plant & Equipment	54.01	53.43	40.66	43.37	40.78	32.61
Goodwill	43.99	45.08	33.53	33.53	32.36	32.36
Other Intangible Assets	3.51	2.16	1.92	0.99	0.77	0.37
Other Receivables	291.01	438.24	225.35	59.24	18.7	1.55
Restricted Cash	-	22.87	-	16.31	18.32	15.21
Other Current Assets	-	20.66	16.54	13.94	12.05	11.7
Long-Term Deferred Tax Assets	11.88	11.66	18.07	22.73	12.03	10.25
Other Long-Term Assets	65.39	11.38	6.23	5.67	8.86	5.71
Total Assets	4,318	4,703	4,572	4,397	3,709	3,671
Accounts Payable	-	9.07	8.62	7.48	9.84	6.2
Accrued Expenses	-	35.81	38.53	36.23	31.81	27.26
Interest Bearing Deposits	2,475	2,633	2,408	1,438	1,389	1,224
Non-Interest Bearing Deposits	291.83	306.09	760.83	708.17	818.91	760.55
Total Deposits	2,767	2,940	3,168	2,147	2,208	1,984
Short-Term Borrowings	668.13	823.56	3.65	865.88	249.26	235.23
Current Income Taxes Payable	4.5	1.66	0.46	0.24	0.04	2
Other Current Liabilities	-	-	0.04	0.01	0.02	7.48
Long-Term Debt	295.8	350.07	873.71	904.54	800.3	1,055
Long-Term Leases	-	3.71	4.12	5.78	3.66	3.98
Pension & Post-Retirement Benefits	5.44	5.22	4.71	4.11	-	-
Long-Term Deferred Tax Liabilities	31.06	30.15	24.36	16.79	14.94	14.91
Other Long-Term Liabilities	207.19	189.46	168.47	153.9	125.65	119.83
Total Liabilities	3,979	4,388	4,295	4,142	3,443	3,456
Common Stock	9.65	9.65	9.65	9.65	9.65	9.65
Additional Paid-In Capital	39.1	39.1	39.1	39.1	39.1	39.1
Retained Earnings	223.48	201.74	183.87	175.37	162.11	146.95
Treasury Stock	-	-0.1	-0.36	-0.56	-	-0.23
Comprehensive Income & Other	50.96	49.71	34.45	22.31	45.1	10.72
Total Common Equity	323.18	300.1	266.72	245.87	255.96	206.19
Minority Interest	16.42	14.58	10.63	10.02	9.57	9.3
Shareholders' Equity	339.6	314.68	277.35	255.9	265.53	215.49
Total Liabilities & Equity	4,318	4,703	4,572	4,397	3,709	3,671
Total Debt	963.93	1,177	881.48	1,776	1,053	1,294
Net Cash (Debt)	-699.01	-1,080	-627.33	-1,635	-877.37	-1,216
Net Cash Per Share	-	-13.45	-7.82	-20.40	-10.91	-15.15
Filing Date Shares Outstanding	-	80.37	80.25	80.14	80.42	80.25
Total Common Shares Outstanding	-	80.37	80.25	80.14	80.42	80.25
Book Value Per Share	-	3.73	3.32	3.07	3.18	2.57
Tangible Book Value	275.68	252.87	231.27	211.36	222.84	173.46
Tangible Book Value Per Share	-	3.15	2.88	2.64	2.77	2.16

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