FinecoBank Banca Fineco 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	2,128	1,963	2,267	1,470	1,464	2,014
Investment Securities	25,630	2,664	2,857	3,842	5,686	7,754
Trading Asset Securities	495.2	555.81	721.38	1,442	146.15	91.45
Total Investments	26,125	3,220	3,578	5,284	5,833	7,845
Gross Loans	6,622	27,122	24,890	27,394	24,996	20,935
Allowance for Loan Losses	-	-36.96	-38.11	-41.58	-38.51	-42.04
Net Loans	6,622	27,085	24,852	27,353	24,957	20,893
Property, Plant & Equipment	143.1	146.3	146.5	146.21	148.58	150
Goodwill	89.6	89.6	89.6	89.6	89.6	89.6
Other Intangible Assets	34.18	35.24	34.47	36.79	39.08	39.6
Investments in Real Estate	-	-	-	-	1.76	1.87
Accrued Interest Receivable	-	113.45	102.63	97.39	93.13	65.43
Other Receivables	810.85	1,274	1,634	1,109	520.73	15.61
Restricted Cash	-	283.36	269.08	311.36	298.04	271.5
Other Current Assets	-	387.05	254.22	290.7	346.95	254.51
Long-Term Deferred Tax Assets	30.86	53.25	50	46.58	42.97	8.15
Other Long-Term Assets	390.79	37.3	35.6	31.59	26.98	100.4
Total Assets	36,375	34,689	33,316	36,269	33,867	31,755
Accrued Expenses	-	144.31	120.67	107.56	132.27	92.17
Interest Bearing Deposits	32,459	29,635	28,401	30,547	30,616	28,077
Total Deposits	32,459	29,635	28,401	30,547	30,616	28,077
Short-Term Borrowings	57.59	344.42	218.21	987.16	212.15	394.51
Current Portion of Leases	-	11.02	-	-	-	-
Current Income Taxes Payable	75.04	19.52	86.71	42.63	35.86	10.2
Other Current Liabilities	-	989.85	1,150	1,889	338.96	242.19
Long-Term Debt	809.3	810.23	809.26	497.93	497.27	949.6
Long-Term Leases	-	47.15	61.38	63.35	65.34	66.21
Long-Term Unearned Revenue	-	17.62	19.2	19.57	17.89	9.73
Pension & Post-Retirement Benefits	-	4.36	4.38	3.94	5.03	4.92
Long-Term Deferred Tax Liabilities	-	-	-	-	-	3.75
Other Long-Term Liabilities	579.34	275.75	249.92	201.08	219.62	217.32
Total Liabilities	33,980	32,300	31,121	34,358	32,140	30,068
Common Stock	1,933	201.63	201.51	201.34	201.27	201.15
Additional Paid-In Capital	-	1.93	1.93	1.93	1.93	1.93
Retained Earnings	480.53	1,654	1,453	1,165	994.52	956.88
Treasury Stock	-	-1.08	-1.24	-1.71	-1.44	-1.19
Comprehensive Income & Other	-18.75	532.48	539.04	543.55	530.52	528.35
Shareholders' Equity	2,394	2,389	2,195	1,910	1,727	1,687
Total Liabilities & Equity	36,375	34,689	33,316	36,269	33,867	31,755
Total Debt	866.89	1,213	1,089	1,548	774.75	1,410
Net Cash (Debt)	1,757	1,528	2,101	1,569	1,099	897.02
Net Cash Growth	-32.44%	-27.27%	33.93%	42.79%	22.47%	49.50%
Net Cash Per Share	2.87	2.50	3.43	2.57	1.80	1.47
Filing Date Shares Outstanding	611.49	610.92	610.54	609.98	609.78	609.43
Total Common Shares Outstanding	611.49	610.92	610.54	609.98	609.78	609.43
Book Value Per Share	3.92	3.91	3.59	3.13	2.83	2.77
Tangible Book Value	2,270	2,264	2,071	1,784	1,598	1,558
Tangible Book Value Per Share	3.71	3.71	3.39	2.92	2.62	2.56

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