BPER Banca SpA 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	11,681	7,888	10,086	13,997	1,306
Investment Securities	9,430	13,486	15,336	16,278	14,046
Trading Asset Securities	1,716	1,440	1,903	2,860	677.9
Total Investments	11,146	14,925	17,239	19,138	14,724
Gross Loans	167,539	107,654	103,576	108,653	96,762
Allowance for Loan Losses	-	-1,634	-1,523	-1,884	-2,111
Net Loans	167,539	106,021	102,052	106,769	94,651
Property, Plant & Equipment	3,133	2,066	1,963	2,094	1,647
Goodwill	575.71	170.02	170.02	204.39	204.39
Other Intangible Assets	1,033	540.75	478.96	359.11	254.81
Investments in Real Estate	-	436.42	494.03	452.35	297.51
Accrued Interest Receivable	-	13.86	18.44	18.55	11.38
Other Receivables	242.66	5,422	5,985	3,742	1,168
Restricted Cash	-	1,014	1,037	1,348	20,310
Other Current Assets	345.78	499.04	302.51	1,534	199.83
Long-Term Deferred Tax Assets	1,448	1,384	1,834	2,352	1,374
Other Long-Term Assets	7,506	197.04	455.38	278.6	184.27
Total Assets	204,650	140,591	142,128	152,303	136,348
Accounts Payable	-	366.87	394	444.64	290.19
Accrued Expenses	-	1,041	985.68	809.32	540.61
Interest Bearing Deposits	150,762	3,073	4,543	2,696	1,192
Non-Interest Bearing Deposits	-	93,869	94,751	102,895	92,054
Total Deposits	150,762	96,943	99,294	105,590	93,246
Short-Term Borrowings	374.24	5,889	6,636	4,318	6,533
Current Portion of Leases	-	74.93	70.51	80.43	67.31
Current Income Taxes Payable	249.29	15.18	10.64	8.17	9.6
Other Current Liabilities	403.08	1,329	411.57	1,800	1,399
Long-Term Debt	28,005	20,340	20,732	27,305	25,167
Long-Term Leases	-	338.15	257.94	288.69	263.05
Pension & Post-Retirement Benefits	389.96	243.1	272.12	294.81	352.47
Long-Term Deferred Tax Liabilities	395.05	57.11	56.77	63.39	58.9
Other Long-Term Liabilities	6,476	2,391	3,442	3,179	1,560
Total Liabilities	187,054	129,027	132,563	144,182	129,489
Common Stock	2,954	2,122	2,104	2,104	2,100
Additional Paid-In Capital	4,589	1,245	1,237	1,237	1,240
Retained Earnings	1,818	6,017	5,056	3,785	2,440
Treasury Stock	-41.55	-32.04	-2.25	-5.68	-9.55
Comprehensive Income & Other	7,245	2,002	971.61	818.88	925.2
Total Common Equity	16,565	11,354	9,366	7,940	6,696
Minority Interest	1,030	210.41	199.33	180.36	162.5
Shareholders' Equity	17,595	11,564	9,565	8,121	6,859
Total Liabilities & Equity	204,650	140,591	142,128	152,303	136,348
Total Debt	28,379	26,642	27,696	31,992	32,031
Net Cash (Debt)	-14,982	-16,935	-15,328	-14,537	-29,509
Net Cash Per Share	-8.97	-11.69	-10.57	-10.04	-20.38
Filing Date Shares Outstanding	1,967	1,416	1,415	1,414	1,411
Total Common Shares Outstanding	1,967	1,416	1,415	1,414	1,411
Book Value Per Share	8.42	8.02	6.62	5.61	4.75
Tangible Book Value	14,957	10,643	8,717	7,377	6,237
Tangible Book Value Per Share	7.60	7.52	6.16	5.22	4.42

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