Banca Sistema 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	87.79	93.44	250.5	126.59	175.84
Investment Securities	1,187	1,148	577	574.35	452.26
Trading Asset Securities	3.77	3.56	3.65	-	-
Total Investments	1,191	1,152	580.65	574.35	452.26
Gross Loans	2,677	2,915	3,468	3,566	3,002
Allowance for Loan Losses	-66.53	-65.15	-71.64	-68.21	-66.34
Net Loans	2,611	2,850	3,396	3,498	2,936
Property, Plant & Equipment	57.58	53.43	40.66	43.37	40.78
Goodwill	43.99	45.08	33.53	33.53	32.36
Other Intangible Assets	3.43	2.16	1.92	0.99	0.77
Other Receivables	13.06	438.24	225.35	59.24	18.7
Restricted Cash	-	22.87	-	16.31	18.32
Other Current Assets	-	20.66	16.54	13.94	12.05
Long-Term Deferred Tax Assets	-	11.66	18.07	22.73	12.03
Other Long-Term Assets	343.93	11.38	6.23	5.67	8.86
Total Assets	4,352	4,703	4,572	4,397	3,709
Accounts Payable	-	9.07	8.62	7.48	9.84
Accrued Expenses	-	35.81	38.53	36.23	31.81
Interest Bearing Deposits	3,132	2,633	2,408	1,438	1,389
Non-Interest Bearing Deposits	309.85	306.09	760.83	708.17	818.91
Total Deposits	3,442	2,940	3,168	2,147	2,208
Short-Term Borrowings	2.08	823.56	3.65	865.88	249.26
Current Income Taxes Payable	50.7	1.66	0.46	0.24	0.04
Other Current Liabilities	-	-	0.04	0.01	0.02
Long-Term Debt	278.51	350.07	873.71	904.54	800.3
Long-Term Leases	-	3.71	4.12	5.78	3.66
Pension & Post-Retirement Benefits	5.24	5.22	4.71	4.11	-
Long-Term Deferred Tax Liabilities	-	30.15	24.36	16.79	14.94
Other Long-Term Liabilities	208.03	189.46	168.47	153.9	125.65
Total Liabilities	3,986	4,388	4,295	4,142	3,443
Common Stock	260.63	9.65	9.65	9.65	9.65
Additional Paid-In Capital	-	39.1	39.1	39.1	39.1
Retained Earnings	42.34	201.74	183.87	175.37	162.11
Treasury Stock	-	-0.1	-0.36	-0.56	-
Comprehensive Income & Other	45.5	49.71	34.45	22.31	45.1
Total Common Equity	348.47	300.1	266.72	245.87	255.96
Minority Interest	17.16	14.58	10.63	10.02	9.57
Shareholders' Equity	365.64	314.68	277.35	255.9	265.53
Total Liabilities & Equity	4,352	4,703	4,572	4,397	3,709
Total Debt	280.59	1,177	881.48	1,776	1,053
Net Cash (Debt)	-189.03	-1,080	-627.33	-1,635	-877.37
Net Cash Per Share	-	-13.45	-7.82	-20.40	-10.91
Filing Date Shares Outstanding	-	80.37	80.25	80.14	80.42
Total Common Shares Outstanding	-	80.37	80.25	80.14	80.42
Book Value Per Share	-	3.73	3.32	3.07	3.18
Tangible Book Value	301.06	252.87	231.27	211.36	222.84
Tangible Book Value Per Share	-	3.15	2.88	2.64	2.77

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