FRA:IL0A 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	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	2,209	2,116	1,945	1,813	3,921	3,047
Investment Securities	4,910	4,363	3,277	3,220	2,522	2,607
Trading Asset Securities	56	59	36	-	1	-
Total Investments	4,966	4,422	3,313	3,220	2,523	2,607
Gross Loans	22,157	21,815	21,997	20,114	14,860	14,941
Allowance for Loan Losses	-389	-392	-570	-521	-604	-728
Net Loans	21,768	21,423	21,427	19,593	14,256	14,213
Property, Plant & Equipment	173	183	205	204	190	190
Other Intangible Assets	232	213	187	160	122	102
Other Receivables	2	2	57	1	310	-
Restricted Cash	159	181	217	408	330	356
Other Current Assets	159	68	81	207	205	87
Long-Term Deferred Tax Assets	313	316	309	309	350	349
Other Real Estate Owned & Foreclosed	5	7	11	18	28	30
Other Long-Term Assets	7	1	3	-	-	5
Total Assets	29,993	28,932	27,755	25,933	22,235	20,986
Accrued Expenses	15	91	112	90	87	51
Interest Bearing Deposits	8,293	7,518	5,584	4,490	4,675	5,128
Non-Interest Bearing Deposits	16,985	16,707	17,780	17,854	14,761	12,911
Total Deposits	25,278	24,225	23,364	22,344	19,436	18,039
Short-Term Borrowings	1	-	1	13	-	-
Current Portion of Long-Term Debt	35	59	57	13	5	2
Current Portion of Leases	-	6	6	6	5	7
Current Income Taxes Payable	-	-	1	1	1	1
Other Current Liabilities	-	15	14	111	79	75
Long-Term Debt	1,931	1,929	1,712	897	771	807
Long-Term Leases	33	29	29	32	26	27
Other Long-Term Liabilities	174	46	40	28	36	26
Total Liabilities	27,467	26,400	25,336	23,535	20,446	19,035
Common Stock	272	272	273	273	227	227
Additional Paid-In Capital	804	804	804	804	333	333
Retained Earnings	1,898	1,901	1,784	1,744	1,893	1,937
Comprehensive Income & Other	-448	-445	-442	-423	-664	-546
Shareholders' Equity	2,526	2,532	2,419	2,398	1,789	1,951
Total Liabilities & Equity	29,993	28,932	27,755	25,933	22,235	20,986
Total Debt	2,000	2,023	1,805	961	807	843
Net Cash (Debt)	265	158	176	852	3,115	2,204
Net Cash Growth	-65.13%	-10.23%	-79.34%	-72.65%	41.33%	731.70%
Net Cash Per Share	0.06	0.04	0.32	1.82	6.85	4.85
Filing Date Shares Outstanding	544.99	544.99	545.58	545.58	454.69	454.69
Total Common Shares Outstanding	544.99	544.99	545.58	545.58	454.69	454.69
Book Value Per Share	3.96	3.97	3.76	3.72	3.66	3.75
Tangible Book Value	2,294	2,319	2,232	2,238	1,667	1,849
Tangible Book Value Per Share	3.53	3.58	3.42	3.43	3.40	3.53

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