Berner Kantonalbank AG (SWX:BEKN)

Berner Kantonalbank AG Balance Sheet

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	7,528	6,607	7,796	8,439	8,608
Investment Securities	2,835	2,450	2,402	2,355	2,041
Trading Asset Securities	26.42	29.91	35.34	19.66	24.87
Total Investments	2,862	2,479	2,437	2,375	2,066
Gross Loans	32,271	30,864	29,104	27,967	26,535
Allowance for Loan Losses	-326.66	-319.85	-306.59	-307.78	-316.46
Net Loans	31,944	30,545	28,797	27,660	26,218
Property, Plant & Equipment	192.4	196.71	201.51	205.38	210.74
Other Intangible Assets	31.56	31	22.69	4.63	2.62
Investments in Real Estate	-	0.6	-	0.27	-
Accrued Interest Receivable	30.04	30.1	-	-	-
Other Receivables	162.59	165.42	169.95	1,025	1,833
Other Current Assets	-	-	46.44	37.38	26.48
Other Long-Term Assets	226.66	444.61	582.8	10.98	28.49
Total Assets	42,977	40,499	40,053	39,757	38,994
Accrued Expenses	147.87	134.02	153.91	124.52	136.19
Interest Bearing Deposits	14,565	27,059	27,058	27,304	26,254
Non-Interest Bearing Deposits	13,522	-	-	-	-
Total Deposits	28,087	27,059	27,058	27,304	26,254
Short-Term Borrowings	2,175	1,946	1,809	1,529	2,385
Current Portion of Long-Term Debt	688.68	-	-	-	-
Long-Term Debt	8,516	8,058	7,853	7,740	7,224
Other Long-Term Liabilities	279.83	302.22	292.42	294.02	288.85
Total Liabilities	39,895	37,500	37,166	36,991	36,288
Common Stock	186.4	186.4	186.4	186.4	186.4
Retained Earnings	2,911	2,828	2,721	2,593	2,537
Treasury Stock	-15.13	-15.55	-19.83	-13.22	-18.09
Shareholders' Equity	3,082	2,999	2,888	2,766	2,706
Total Liabilities & Equity	42,977	40,499	40,053	39,757	38,994
Total Debt	11,380	10,005	9,662	9,268	9,609
Net Cash (Debt)	-3,826	-3,368	-1,831	-810.25	-975.77
Net Cash Per Share	-402.17	-354.46	-192.54	-87.49	-105.64
Filing Date Shares Outstanding	9.26	9.25	9.23	9.26	9.24
Total Common Shares Outstanding	9.26	9.25	9.23	9.26	9.24
Book Value Per Share	332.97	324.19	312.69	298.71	292.92
Tangible Book Value	3,051	2,968	2,865	2,762	2,703
Tangible Book Value Per Share	329.56	320.84	310.24	298.21	292.63

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