BKS Bank AG Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 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	34.76	41.16	44.38	39.21	138.34	87.58
Investment Securities	2,532	2,362	2,227	2,001	1,863	1,733
Trading Asset Securities	6.16	6.95	9.12	13.95	8.56	10.53
Total Investments	2,538	2,368	2,236	2,015	1,872	1,743
Gross Loans	7,717	7,673	7,611	7,349	7,096	6,689
Allowance for Loan Losses	-157.53	-146.75	-114.68	-121.04	-107.23	-87.38
Other Adjustments to Gross Loans	-	-84.64	-84.46	-52.18	-29.96	-31.98
Net Loans	7,559	7,441	7,412	7,175	6,959	6,570
Property, Plant & Equipment	84.62	82.93	79.14	75.68	81.69	78.24
Other Intangible Assets	7.6	9	9.24	9.32	9.66	10.15
Investments in Real Estate	127.77	125.49	120.87	92.97	78.37	41.19
Other Receivables	63.7	50.7	199.45	261.87	94.58	282.77
Restricted Cash	606.1	922.71	540.07	809.8	1,341	1,015
Other Current Assets	10.78	11.05	9.41	39.56	9.59	4.16
Long-Term Deferred Tax Assets	9.48	9.65	8.45	6.01	6.21	10.99
Other Long-Term Assets	16.1	9.77	14.46	8.01	12.43	13.24
Total Assets	11,058	11,072	10,673	10,533	10,603	9,856
Accrued Expenses	6.02	14.15	14.02	13.56	13	13.37
Interest Bearing Deposits	6,860	2,301	1,568	812.32	1,426	1,495
Non-Interest Bearing Deposits	-	4,633	5,177	6,011	5,717	5,048
Total Deposits	6,860	6,934	6,745	6,824	7,143	6,542
Short-Term Borrowings	3.65	134.49	181.25	230.83	126.32	162.5
Current Portion of Long-Term Debt	-	784.33	472.95	304.75	257.36	406.6
Current Portion of Leases	-	13.27	11.83	2.78	2.63	2.66
Current Income Taxes Payable	17.06	16.29	26.66	10.81	2.94	5.91
Long-Term Debt	1,964	1,082	1,279	1,449	1,425	1,202
Long-Term Leases	20.9	9.45	7.98	16.83	17.28	18.93
Pension & Post-Retirement Benefits	46.59	29.1	32.5	30.4	34	37.78
Long-Term Deferred Tax Liabilities	26.88	21.86	12.02	7.57	3.87	-
Other Long-Term Liabilities	91.36	108.3	121.18	98.93	97.98	102.22
Total Liabilities	9,036	9,148	8,904	8,989	9,122	8,494
Common Stock	91.61	91.61	91.61	85.89	85.89	85.89
Additional Paid-In Capital	273.09	273.09	273.09	241.42	241.42	241.42
Retained Earnings	1,515	1,419	1,280	1,113	1,054	954.2
Comprehensive Income & Other	143.34	140.14	124.39	103.11	99.18	81.17
Total Common Equity	2,023	1,924	1,769	1,544	1,480	1,363
Shareholders' Equity	2,023	1,924	1,769	1,544	1,480	1,363
Total Liabilities & Equity	11,058	11,072	10,673	10,533	10,603	9,856
Total Debt	1,988	2,024	1,953	2,004	1,828	1,792
Net Cash (Debt)	-1,947	-1,976	-1,900	-1,951	-1,681	-1,694
Net Cash Per Share	-42.60	-43.25	-42.90	-46.26	-39.96	-40.28
Filing Date Shares Outstanding	45.72	45.71	45.55	42.33	42.15	42.06
Total Common Shares Outstanding	45.72	45.71	45.55	42.33	42.15	42.06
Book Value Per Share	44.24	42.10	38.83	36.47	35.11	32.40
Tangible Book Value	2,015	1,915	1,760	1,534	1,470	1,353
Tangible Book Value Per Share	44.07	41.90	38.63	36.25	34.88	32.16

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