LON:0H7D Balance Sheet

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

Millions EUR. 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	164,659	130,666	163,768	165,625	179,946
Investment Securities	206,572	224,579	167,660	160,960	137,286
Trading Asset Securities	395,139	431,526	377,206	392,721	406,638
Mortgage-Backed Securities	-	414	442	486	714
Total Investments	601,711	656,519	545,308	554,167	544,638
Gross Loans	478,669	487,924	481,400	489,716	477,220
Allowance for Loan Losses	-6,049	-5,697	-5,208	-4,848	-4,779
Other Adjustments to Gross Loans	-	-1,352	-1,675	-131	-227
Net Loans	472,620	480,875	474,517	484,737	472,214
Property, Plant & Equipment	5,924	6,193	6,185	6,103	5,536
Goodwill	-	2,963	2,849	2,919	2,806
Other Intangible Assets	7,561	4,786	4,478	4,173	4,018
Accrued Interest Receivable	-	4,575	4,158	3,588	2,084
Other Receivables	8,571	43,985	41,675	51,982	49,894
Other Current Assets	-	18,537	32,404	20,891	23,213
Long-Term Deferred Tax Assets	6,544	7,839	7,773	7,272	6,218
Other Long-Term Assets	167,477	30,239	29,216	35,331	33,426
Total Assets	1,435,067	1,387,177	1,312,331	1,336,788	1,323,993
Interest Bearing Deposits	691,828	489,751	438,344	374,652	377,968
Non-Interest Bearing Deposits	-	176,510	183,691	246,804	225,782
Total Deposits	691,828	666,261	622,035	621,456	603,750
Short-Term Borrowings	243,981	318,609	281,684	296,712	303,202
Current Portion of Long-Term Debt	283	63,669	73,317	88,178	92,750
Current Portion of Leases	-	614	835	633	682
Current Income Taxes Payable	694	492	369	240	411
Accrued Interest Payable	-	5,113	4,785	2,826	1,625
Other Current Liabilities	45,756	110,453	126,345	134,198	127,493
Long-Term Debt	233,986	114,270	98,691	88,974	98,043
Long-Term Leases	-	3,874	3,658	3,837	3,283
Long-Term Deferred Tax Liabilities	623	590	546	650	501
Other Long-Term Liabilities	137,713	23,800	25,249	26,756	24,222
Total Liabilities	1,354,864	1,307,745	1,237,514	1,264,460	1,255,962
Common Stock	66,933	5,106	5,223	5,291	5,291
Additional Paid-In Capital	-	39,744	40,187	40,513	40,580
Retained Earnings	-	23,368	21,316	17,800	12,607
Treasury Stock	-	-713	-481	-331	-6
Comprehensive Income & Other	11,708	10,321	6,809	7,264	7,861
Total Common Equity	78,641	77,826	73,054	70,537	66,333
Minority Interest	1,562	1,606	1,763	1,791	1,698
Shareholders' Equity	80,203	79,432	74,817	72,328	68,031
Total Liabilities & Equity	1,435,067	1,387,177	1,312,331	1,336,788	1,323,993
Total Debt	478,250	501,036	458,185	478,334	497,960
Net Cash (Debt)	119,057	216,469	186,045	177,967	177,571
Net Cash Growth	-45.00%	16.35%	4.54%	0.22%	15.95%
Net Cash Per Share	59.59	106.15	88.42	83.73	82.85
Filing Date Shares Outstanding	1,903	1,945	1,992	2,038	2,066
Total Common Shares Outstanding	1,903	1,945	1,992	2,038	2,066
Book Value Per Share	41.32	40.01	36.67	34.61	32.11
Tangible Book Value	71,080	70,077	65,727	63,445	59,509
Tangible Book Value Per Share	37.35	36.03	32.99	31.13	28.80

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.