Cembra Money Bank AG Balance Sheet

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

Millions CHF. 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	743.41	793.2	921.97	632.64	544.77	599
Investment Securities	212.23	189.86	98.26	97.34	-	-
Total Investments	212.23	189.86	98.26	97.34	-	-
Gross Loans	7,123	7,110	7,150	6,849	6,498	6,573
Allowance for Loan Losses	-168.82	-158.45	-156.89	-92.37	-87.78	-84.06
Other Adjustments to Gross Loans	-331.67	-326.47	-306.21	-237	-203.27	-196.66
Net Loans	6,623	6,625	6,687	6,520	6,207	6,293
Property, Plant & Equipment	12.22	15.5	21.32	25.27	28.86	35.38
Goodwill	189.52	189.52	189.52	189.52	156.83	156.83
Other Intangible Assets	39.63	45.94	60.11	77.95	70.13	81.85
Other Receivables	11	12.19	16.97	20.78	42.39	38.32
Restricted Cash	28.83	24.67	36.45	17.8	36.48	31.82
Other Long-Term Assets	28.72	23.09	33.7	33.11	1.26	1.58
Total Assets	7,919	7,949	8,088	7,624	7,095	7,244
Accrued Expenses	148.38	210.51	205.97	174.44	167.32	210.31
Interest Bearing Deposits	3,220	3,141	3,337	3,347	3,031	3,107
Non-Interest Bearing Deposits	527.63	383.69	159.87	166.06	167.92	167.12
Total Deposits	3,748	3,524	3,497	3,513	3,199	3,275
Current Portion of Long-Term Debt	650.03	400.06	450.02	450	349.99	275.22
Current Portion of Leases	4.91	5.29	5.07	5.86	6.45	6.64
Long-Term Debt	2,101	2,500	2,648	2,163	2,142	2,290
Long-Term Leases	3.58	5.39	11.07	13.89	17.34	21.84
Pension & Post-Retirement Benefits	-	-	-	-	3.36	34.68
Long-Term Deferred Tax Liabilities	6.23	5.41	10.36	25.86	5.68	0.69
Other Long-Term Liabilities	11.14	13.13	11.09	3.28	3.43	3.47
Total Liabilities	6,673	6,664	6,838	6,349	5,895	6,117
Common Stock	30	30	30	30	30	30
Additional Paid-In Capital	259.82	259.73	258.67	258.12	257.68	259.05
Retained Earnings	1,013	1,051	997.89	1,010	953.69	902.37
Treasury Stock	-42.57	-38.68	-37.38	-36.9	-34.54	-35.84
Comprehensive Income & Other	-14.23	-16.83	0.57	13.16	-6.56	-28.55
Shareholders' Equity	1,246	1,285	1,250	1,274	1,200	1,127
Total Liabilities & Equity	7,919	7,949	8,088	7,624	7,095	7,244
Total Debt	2,759	2,910	3,114	2,633	2,516	2,594
Net Cash (Debt)	-2,016	-2,117	-2,192	-2,000	-1,971	-1,995
Net Cash Per Share	-68.60	-72.07	-74.63	-68.09	-67.06	-67.86
Filing Date Shares Outstanding	29.29	29.32	29.33	29.34	29.39	29.37
Total Common Shares Outstanding	29.29	29.32	29.33	29.34	29.39	29.37
Book Value Per Share	42.55	43.83	42.60	43.43	40.85	38.37
Tangible Book Value	1,017	1,050	1,000	1,007	973.32	888.35
Tangible Book Value Per Share	34.73	35.80	34.09	34.32	33.12	30.25

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