Credito Emiliano 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	1,596	4,208	6,327	3,358	230.95	236.76
Investment Securities	15,000	15,830	14,525	14,509	15,947	11,511
Trading Asset Securities	377.64	573.42	664.23	948.99	353.84	425.22
Total Investments	15,378	16,403	15,189	15,458	16,300	11,936
Gross Loans	43,480	44,775	44,010	43,656	41,416	34,940
Allowance for Loan Losses	-	-490.44	-507.14	-500.26	-526.42	-565.21
Net Loans	43,480	44,285	43,503	43,156	40,890	34,374
Property, Plant & Equipment	432.9	438.76	442	448.76	454.61	442.23
Goodwill	291.34	291.34	291.34	291.34	291.34	289.79
Other Intangible Assets	194.87	209.31	199.44	185.13	173.75	154.82
Investments in Real Estate	-	4.77	5	5.15	5.62	-
Accrued Interest Receivable	-	5.85	4.04	3.4	4.49	46.7
Other Receivables	3,476	979.87	945.56	851.75	518.15	8,678
Restricted Cash	-	387.9	375.12	280.69	7,721	-
Other Current Assets	-	86.64	61.52	29.76	71.69	67.91
Long-Term Deferred Tax Assets	388.32	403.09	444.14	541.29	228.9	205.55
Other Long-Term Assets	1,185	245.09	210.32	188.55	667.4	198.45
Total Assets	66,422	67,969	68,018	64,818	67,579	56,650
Accounts Payable	-	211.71	199.26	190.01	189.83	176.38
Accrued Expenses	-	464.4	401.23	297.75	271.31	182.85
Interest Bearing Deposits	40,677	10,521	9,369	1,621	5,211	4,289
Non-Interest Bearing Deposits	-	32,920	32,012	34,804	33,334	30,099
Total Deposits	40,677	43,441	41,382	36,425	38,545	34,388
Short-Term Borrowings	437.26	8,046	10,861	11,067	15,962	10,610
Current Income Taxes Payable	68.67	42.33	118.16	52	70.28	61.6
Other Current Liabilities	-	3.26	2.99	6.43	8.4	5.08
Long-Term Debt	8,007	5,005	5,169	4,077	3,039	2,738
Long-Term Leases	-	131.57	135.81	131.04	133.34	138.63
Long-Term Unearned Revenue	-	11.54	13.33	9.93	6.69	5.98
Pension & Post-Retirement Benefits	1.05	1.09	1.19	1.25	1.49	1.71
Long-Term Deferred Tax Liabilities	321.46	291	284.9	322.49	127.07	134.55
Other Long-Term Liabilities	12,351	6,027	5,578	8,878	5,765	5,074
Total Liabilities	61,864	63,676	64,147	61,458	64,119	53,516
Common Stock	341.32	341.32	341.32	341.32	341.32	332.39
Additional Paid-In Capital	321.8	321.8	321.8	321.8	321.8	283.05
Retained Earnings	3,980	3,729	3,329	2,878	2,727	2,404
Treasury Stock	-20.12	-3.85	-6.67	-10.07	-4.03	-7.46
Comprehensive Income & Other	-65.23	-95.76	-115.27	-171.64	73.01	121.18
Total Common Equity	4,558	4,293	3,871	3,360	3,459	3,134
Minority Interest	0	0	0	0.16	0.65	0.45
Shareholders' Equity	4,558	4,293	3,871	3,360	3,460	3,134
Total Liabilities & Equity	66,422	67,969	68,018	64,818	67,579	56,650
Total Debt	8,445	13,183	16,166	15,275	19,134	13,487
Net Cash (Debt)	-6,471	-8,401	-9,167	-10,968	-18,549	-12,825
Net Cash Per Share	-	-24.67	-26.96	-32.22	-55.34	-38.68
Filing Date Shares Outstanding	-	340.63	334.65	331.25	340.47	330.81
Total Common Shares Outstanding	-	340.63	334.65	331.25	340.47	330.81
Book Value Per Share	-	12.60	11.57	10.14	10.16	9.47
Tangible Book Value	4,072	3,792	3,380	2,883	2,994	2,689
Tangible Book Value Per Share	-	11.13	10.10	8.70	8.79	8.13

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