Bendigo and Adelaide Bank Balance Sheet

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

Millions AUD. 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	1,074	1,880	6,684	3,158	5,522
Investment Securities	12,496	11,514	9,098	10,587	3,946
Trading Asset Securities	127.6	22.8	27.7	90.4	1,738
Mortgage-Backed Securities	-	-	3.3	8.7	13.6
Total Investments	12,624	11,536	9,129	10,686	5,698
Gross Loans	86,087	80,959	78,903	77,966	72,344
Allowance for Loan Losses	-266.9	-286	-286.3	-283.8	-341
Other Adjustments to Gross Loans	-111.8	-105.8	-90.4	-71.3	-82.4
Net Loans	85,708	80,568	78,526	77,610	71,921
Property, Plant & Equipment	133.5	141.8	166.2	179.6	205.9
Goodwill	988	1,528	1,528	1,528	1,438
Other Intangible Assets	442.1	382.3	314.4	280.8	194.4
Investments in Real Estate	1,109	1,140	957.8	920.3	901.7
Accrued Interest Receivable	290.7	302.7	261.6	149.6	151.1
Other Receivables	319	191.7	252	154.4	132.8
Other Current Assets	55	64.2	62.7	50	41.3
Long-Term Deferred Tax Assets	-	17.8	71.2	48.6	42.2
Other Long-Term Assets	453.6	426.7	518.5	470.3	325.4
Total Assets	103,219	98,188	98,480	95,240	86,577
Accrued Expenses	427.1	509.3	354.2	343.9	305.9
Interest Bearing Deposits	35,807	34,947	34,533	27,659	26,913
Non-Interest Bearing Deposits	48,036	44,039	42,777	46,925	39,304
Total Deposits	83,843	78,987	77,311	74,584	66,217
Short-Term Borrowings	892.8	569.8	207.7	213.6	220.7
Current Portion of Long-Term Debt	-	-	4	1.9	1,124
Current Income Taxes Payable	-	-	40.8	50.6	44.2
Accrued Interest Payable	458.2	476	287.2	31.3	51.1
Other Current Liabilities	11.3	2.3	-	-	-
Long-Term Debt	10,700	10,413	13,205	13,063	11,995
Long-Term Leases	76.6	88.1	115.8	148.9	180.3
Long-Term Unearned Revenue	32.1	34.8	36.4	21.5	16.4
Long-Term Deferred Tax Liabilities	43.8	-	-	-	-
Other Long-Term Liabilities	63.7	74.1	66.9	69	68.5
Total Liabilities	96,549	91,154	91,629	88,528	80,224
Common Stock	5,205	5,233	5,243	5,223	5,053
Retained Earnings	1,423	1,857	1,663	1,474	1,271
Comprehensive Income & Other	41.9	-56.4	-54.7	15.1	29.7
Shareholders' Equity	6,670	7,034	6,851	6,712	6,354
Total Liabilities & Equity	103,219	98,188	98,480	95,240	86,577
Total Debt	11,670	11,071	13,533	13,428	13,521
Net Cash (Debt)	-7,049	-8,601	-4,837	-9,401	-4,516
Net Cash Per Share	-12.46	-12.97	-7.31	-14.47	-6.87
Filing Date Shares Outstanding	563.87	565.31	566.18	563.25	545.52
Total Common Shares Outstanding	563.87	565.31	565.9	563.08	545.51
Book Value Per Share	11.83	12.44	12.11	11.92	11.65
Tangible Book Value	5,240	5,124	5,009	4,904	4,722
Tangible Book Value Per Share	9.29	9.06	8.85	8.71	8.66

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