EGFEY Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	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	2,009	1,500	938	983	1,056
Investment Securities	22,387	15,251	13,448	11,583	8,641
Trading Asset Securities	1,092	1,260	1,303	2,068	2,638
Total Investments	23,479	16,511	14,751	13,651	11,279
Gross Loans	52,322	42,886	43,369	40,890	40,955
Allowance for Loan Losses	-1,309	-1,258	-1,626	-1,872	-3,477
Other Adjustments to Gross Loans	-60	-83	-66	-51	-54
Net Loans	50,953	41,545	41,677	38,967	37,424
Property, Plant & Equipment	975	773	775	815	778
Goodwill	42	44	1	2	2
Other Intangible Assets	373	290	296	267	252
Investments in Real Estate	1,404	1,357	1,410	1,492	1,459
Other Receivables	896	1,414	941	2,035	2,693
Restricted Cash	15,793	10,677	14,724	13,272	6,486
Other Current Assets	478	760	845	998	869
Long-Term Deferred Tax Assets	3,780	3,991	4,161	4,422	4,519
Other Real Estate Owned & Foreclosed	541	509	577	597	616
Other Long-Term Assets	283	325	286	247	184
Total Assets	101,150	79,781	81,474	77,852	67,721
Interest Bearing Deposits	78,593	57,442	57,038	52,958	47,080
Non-Interest Bearing Deposits	104	79	76	54	87
Total Deposits	78,697	57,521	57,114	53,012	47,167
Short-Term Borrowings	1,120	1,450	1,862	2,594	3,139
Current Portion of Leases	40	75	37	36	37
Current Income Taxes Payable	70	30	14	15	10
Other Current Liabilities	43	121	419	152	19
Long-Term Debt	9,634	11,439	13,770	15,117	10,980
Long-Term Leases	150	115	168	212	184
Long-Term Unearned Revenue	269	194	156	157	134
Pension & Post-Retirement Benefits	143	59	80	23	22
Long-Term Deferred Tax Liabilities	43	28	31	26	21
Other Long-Term Liabilities	2,042	850	1,091	873	746
Total Liabilities	92,251	71,882	74,742	72,217	62,459
Common Stock	809	818	816	816	816
Additional Paid-In Capital	1,145	1,161	1,161	8,056	8,055
Retained Earnings	4,608	3,726	2,594	9,934	9,690
Treasury Stock	-	-	-	-	-1
Comprehensive Income & Other	2,337	2,194	2,066	-13,267	-13,298
Total Common Equity	8,899	7,899	6,637	5,539	5,262
Minority Interest	-	-	95	96	-
Shareholders' Equity	8,899	7,899	6,732	5,635	5,262
Total Liabilities & Equity	101,150	79,781	81,474	77,852	67,721
Total Debt	10,944	13,079	15,837	17,959	14,340
Net Cash (Debt)	-7,843	-10,319	-13,596	-14,908	-10,646
Net Cash Per Share	-2.13	-2.78	-3.66	-4.02	-2.87
Filing Date Shares Outstanding	3,675	3,660	3,710	3,708	3,707
Total Common Shares Outstanding	3,675	3,660	3,710	3,708	3,707
Book Value Per Share	2.42	2.16	1.79	1.49	1.42
Tangible Book Value	8,484	7,565	6,340	5,270	5,008
Tangible Book Value Per Share	2.31	2.07	1.71	1.42	1.35

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