LON:0NWJ 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	3,334	3,738	4,547	6,991	5,653
Investment Securities	3,436	5,119	5,553	4,468	5,690
Trading Asset Securities	218	176.18	151.85	179.72	204.29
Total Investments	3,654	5,296	5,705	4,647	5,895
Gross Loans	48,672	44,544	44,748	43,961	40,531
Allowance for Loan Losses	-854.09	-885.16	-930.47	-925.29	-1,044
Net Loans	47,818	43,658	43,817	43,035	39,487
Property, Plant & Equipment	833	583.18	594.89	566.43	498.15
Goodwill	13	12.63	17	17	12.63
Other Intangible Assets	17	23.2	20.76	19.67	18.38
Investments in Real Estate	-	80.4	82.19	84.48	81.3
Accrued Interest Receivable	-	105.83	95.38	52.27	47.45
Other Receivables	1	2,161	1,998	1,494	478.99
Restricted Cash	-	331.19	322.4	347.5	2,232
Other Current Assets	32	188.72	56.29	87.91	82.23
Long-Term Deferred Tax Assets	213	188.25	259.44	324.99	321.69
Other Long-Term Assets	2,428	261.82	207.27	186.14	209.34
Total Assets	58,343	56,629	57,722	57,854	55,016
Accounts Payable	-	44.91	42.46	30.84	21.1
Accrued Expenses	-	110.38	90.86	82.24	75.77
Interest Bearing Deposits	41,100	6,532	5,413	3,521	1,564
Non-Interest Bearing Deposits	-	32,898	31,093	34,082	35,308
Total Deposits	41,100	39,430	36,505	37,602	36,872
Short-Term Borrowings	19	5,444	5,553	2,320	106.79
Current Portion of Leases	-	23.23	-	-	23.56
Current Income Taxes Payable	63	41.5	42	3.16	4.26
Other Current Liabilities	76	602.93	735.18	548.25	534.83
Long-Term Debt	10,711	5,667	9,579	13,079	13,123
Long-Term Leases	-	123.06	163.27	171.18	159.72
Pension & Post-Retirement Benefits	185	222.01	212.41	203.42	231.76
Long-Term Deferred Tax Liabilities	106	30.92	29.36	29.2	35.61
Other Long-Term Liabilities	1,515	732.81	960.42	397.37	452.33
Total Liabilities	53,775	52,472	53,912	54,467	51,641
Common Stock	1,360	1,360	1,360	1,360	1,360
Additional Paid-In Capital	79	78.93	78.95	78.98	79.01
Retained Earnings	648	2,699	2,376	2,006	1,788
Treasury Stock	-25	-25.22	-25.42	-25.4	-25.46
Comprehensive Income & Other	2,506	43.36	19.67	-32.19	68.33
Total Common Equity	4,568	4,156	3,809	3,387	3,270
Minority Interest	-	0.01	0.01	0	104.58
Shareholders' Equity	4,568	4,156	3,809	3,387	3,375
Total Liabilities & Equity	58,343	56,629	57,722	57,854	55,016
Total Debt	10,730	11,257	15,294	15,570	13,413
Net Cash (Debt)	-7,178	-6,703	-9,976	-8,395	-7,323
Net Cash Per Share	-15.96	-14.91	-22.18	-	-
Filing Date Shares Outstanding	449.82	449.79	449.71	-	-
Total Common Shares Outstanding	449.82	449.79	449.71	-	-
Book Value Per Share	10.16	9.24	8.47	-	-
Tangible Book Value	4,538	4,120	3,772	3,351	3,239
Tangible Book Value Per Share	10.09	9.16	8.39	-	-

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