Berner Kantonalbank AG Balance Sheet

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

Millions CHF. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 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	7,364	6,607	7,796	8,439	8,608	7,878
Investment Securities	2,801	2,438	2,402	2,355	2,041	2,099
Trading Asset Securities	30.06	29.91	35.34	19.66	24.87	29.48
Total Investments	2,831	2,468	2,437	2,375	2,066	2,128
Gross Loans	30,937	30,864	29,104	27,967	26,535	25,267
Allowance for Loan Losses	-	-319.85	-306.59	-307.78	-316.46	-325.49
Net Loans	30,937	30,545	28,797	27,660	26,218	24,941
Property, Plant & Equipment	230.75	196.71	201.51	205.38	210.74	209.58
Other Intangible Assets	-	31	22.69	4.63	2.62	7.23
Investments in Real Estate	-	0.6	-	0.27	-	1.64
Other Receivables	272.21	165.42	169.95	1,025	1,833	1,165
Other Current Assets	42.86	41.86	46.44	37.38	26.48	24.41
Other Long-Term Assets	215.53	444.61	582.8	10.98	28.49	67.15
Total Assets	41,893	40,499	40,053	39,757	38,994	36,422
Accrued Expenses	143.62	134.02	153.91	124.52	136.19	130.83
Interest Bearing Deposits	27,512	27,011	27,058	27,304	26,254	24,498
Non-Interest Bearing Deposits	-	48.13	-	-	-	-
Total Deposits	27,512	27,059	27,058	27,304	26,254	24,498
Short-Term Borrowings	1,999	1,946	1,809	1,529	2,385	2,041
Current Portion of Long-Term Debt	-	850.33	-	-	-	-
Long-Term Debt	8,945	7,208	7,853	7,740	7,224	6,798
Other Long-Term Liabilities	294.41	302.22	292.42	294.02	288.85	309.69
Total Liabilities	38,893	37,500	37,166	36,991	36,288	33,778
Common Stock	186.4	186.4	186.4	186.4	186.4	186.4
Retained Earnings	2,825	2,828	2,721	2,593	2,537	2,476
Treasury Stock	-11.21	-15.55	-19.83	-13.22	-18.09	-18.03
Shareholders' Equity	3,000	2,999	2,888	2,766	2,706	2,644
Total Liabilities & Equity	41,893	40,499	40,053	39,757	38,994	36,422
Total Debt	10,944	10,005	9,662	9,268	9,609	8,839
Net Cash (Debt)	-3,550	-3,368	-1,831	-810.25	-975.77	-931.82
Net Cash Per Share	-	-354.46	-192.54	-87.49	-105.64	-100.84
Filing Date Shares Outstanding	-	9.25	9.23	9.26	9.24	9.24
Total Common Shares Outstanding	-	9.25	9.23	9.26	9.24	9.24
Book Value Per Share	-	324.19	312.69	298.71	292.92	286.13
Tangible Book Value	3,000	2,968	2,865	2,762	2,703	2,637
Tangible Book Value Per Share	-	320.84	310.24	298.21	292.63	285.35

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