Banco BPM 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	12,077	12,131	18,303	13,138	29,159	9,417
Investment Securities	68,004	39,225	36,769	22,495	18,952	19,109
Trading Asset Securities	16,866	7,044	5,265	6,252	4,988	7,704
Total Investments	84,870	46,269	42,034	28,747	23,939	26,813
Gross Loans	98,754	127,233	129,385	136,606	129,009	132,916
Allowance for Loan Losses	-	-1,732	-2,347	-2,868	-3,600	-4,760
Net Loans	98,754	125,501	127,038	133,738	125,408	128,156
Property, Plant & Equipment	2,475	2,037	2,036	2,079	2,172	2,392
Goodwill	-	56.71	56.71	56.71	54.86	51.1
Other Intangible Assets	3,207	1,200	1,197	1,198	1,159	1,168
Investments in Real Estate	-	477.18	822.19	955.28	1,106	1,160
Accrued Interest Receivable	-	90.07	131.49	32.5	36.44	55.12
Other Receivables	7,044	4,913	4,383	3,311	2,188	1,418
Restricted Cash	-	1,014	930.78	1,298	10,037	7,816
Other Current Assets	184.47	444.53	468.69	195.79	229.97	72.82
Long-Term Deferred Tax Assets	-	3,119	3,850	4,320	4,294	4,467
Other Long-Term Assets	4,554	956.75	849.72	737.95	705.28	698.95
Total Assets	213,165	198,209	202,099	189,808	200,489	183,685
Accounts Payable	-	216.85	226.28	197.18	233.92	246.95
Accrued Expenses	-	994.01	647.03	541.9	619.84	681.17
Interest Bearing Deposits	104,975	2,718	1,642	2,565	2,265	2,655
Non-Interest Bearing Deposits	-	99,217	98,807	103,662	104,460	99,012
Total Deposits	104,975	101,936	100,449	106,226	106,725	101,666
Short-Term Borrowings	-	6,759	7,654	8,537	7,829	8,811
Current Portion of Leases	-	109.27	112.15	111.33	147.89	137.5
Current Income Taxes Payable	638.94	41.69	63.34	1.61	8.89	5.67
Other Current Liabilities	-	22,230	20,647	8,997	12,940	10,662
Long-Term Debt	29,548	34,051	43,088	44,989	54,877	44,836
Long-Term Leases	639.75	539.45	561.36	516.59	525.99	622.78
Pension & Post-Retirement Benefits	-	321.25	337.94	357.79	445.18	503.15
Long-Term Deferred Tax Liabilities	-	430.09	390.59	266.26	293.92	458.9
Other Long-Term Liabilities	61,624	15,976	13,885	6,050	2,746	2,827
Total Liabilities	197,425	183,605	188,061	176,792	187,393	171,458
Common Stock	15,676	7,100	7,100	7,100	7,100	7,100
Retained Earnings	-	5,531	5,458	4,656	4,239	3,813
Treasury Stock	-	-66.71	-22.94	-18.27	-8.16	-14
Comprehensive Income & Other	-	2,040	1,503	1,278	1,764	1,327
Total Common Equity	15,676	14,604	14,038	13,016	13,095	12,225
Minority Interest	64.18	0.07	0.07	0.72	1.11	1.89
Shareholders' Equity	15,740	14,604	14,038	13,016	13,096	12,227
Total Liabilities & Equity	213,165	198,209	202,099	189,808	200,489	183,685
Total Debt	30,187	41,460	51,415	54,153	63,380	54,407
Net Cash (Debt)	-1,245	-18,965	-21,938	-31,974	-25,126	-32,873
Net Cash Per Share	-0.83	-12.60	-14.55	-21.19	-16.63	-21.78
Filing Date Shares Outstanding	1,503	1,504	1,507	1,507	1,512	1,509
Total Common Shares Outstanding	1,503	1,501	1,508	1,509	1,512	1,509
Book Value Per Share	10.43	9.73	9.31	8.63	8.66	8.10
Tangible Book Value	12,469	13,347	12,785	11,761	11,881	11,007
Tangible Book Value Per Share	8.29	8.89	8.48	7.79	7.86	7.29

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