FRA:ZB1 Balance Sheet

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	2,103	2,104	1,653	3,083	2,728
Investment Securities	12,485	6,230	5,197	5,615	14,607
Trading Asset Securities	64	481	468	851	591
Mortgage-Backed Securities	8,867	15,653	17,226	18,988	20,387
Total Investments	21,416	22,364	22,891	25,454	35,585
Gross Loans	60,917	59,410	57,779	55,653	50,896
Allowance for Loan Losses	-678	-696	-684	-575	-513
Other Adjustments to Gross Loans	-	-	-	-	-45
Net Loans	60,239	58,714	57,095	55,078	50,338
Property, Plant & Equipment	1,363	1,554	1,572	1,581	1,514
Goodwill	-	1,027	1,027	1,027	1,014
Other Intangible Assets	1,091	25	32	38	1
Loans Held for Sale	201	74	53	8	83
Accrued Interest Receivable	-	341	364	322	226
Long-Term Deferred Tax Assets	-	904	999	1,128	96
Other Real Estate Owned & Foreclosed	5	1	6	3	8
Other Long-Term Assets	2,572	1,543	1,432	1,529	1,596
Total Assets	88,990	88,775	87,203	89,545	93,200
Interest Bearing Deposits	49,821	48,634	48,717	35,875	41,173
Institutional Deposits	-	2,885	-	-	563
Non-Interest Bearing Deposits	25,823	24,704	26,244	35,777	41,053
Total Deposits	75,644	76,223	74,961	71,652	82,789
Short-Term Borrowings	3,104	4,182	4,712	10,868	954
Current Portion of Leases	-	40	-	-	-
Long-Term Debt	1,472	946	538	647	1,008
Long-Term Leases	-	204	202	202	226
Pension & Post-Retirement Benefits	-	9	9	10	12
Other Long-Term Liabilities	1,590	1,047	1,090	1,273	748
Total Liabilities	81,810	82,651	81,512	84,652	85,737
Preferred Stock, Redeemable	66	66	440	440	440
Additional Paid-In Capital	1,726	1,737	1,731	1,754	1,928
Retained Earnings	7,329	6,701	6,212	5,811	5,175
Comprehensive Income & Other	-1,941	-2,380	-2,692	-3,112	-80
Total Common Equity	7,114	6,058	5,251	4,453	7,023
Shareholders' Equity	7,180	6,124	5,691	4,893	7,463
Total Liabilities & Equity	88,990	88,775	87,203	89,545	93,200
Total Debt	4,576	5,372	5,452	11,717	2,188
Net Cash (Debt)	-207	63	-1,843	-6,443	11,414
Net Cash Growth	-	-	-	-	133.89%
Net Cash Per Share	-1.41	0.43	-12.47	-42.88	71.23
Filing Date Shares Outstanding	147.65	147.89	148.16	148.65	151.57
Total Common Shares Outstanding	147.65	147.87	148.15	148.66	151.63
Book Value Per Share	48.18	40.97	35.44	29.95	46.32
Tangible Book Value	6,023	5,006	4,192	3,388	6,008
Tangible Book Value Per Share	40.79	33.85	28.30	22.79	39.62

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