BTV Vier Länder 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	38.25	53.04	51.96	38.32	88.59	83.62
Investment Securities	2,446	2,374	2,206	2,121	2,318	2,089
Trading Asset Securities	97.68	114.17	94.17	115.9	79.09	94.38
Total Investments	2,544	2,488	2,301	2,237	2,397	2,183
Gross Loans	9,873	9,589	9,266	8,641	8,530	8,590
Allowance for Loan Losses	-199.23	-209.16	-154.07	-131.53	-128.05	-124.69
Other Adjustments to Gross Loans	-	-118.17	-115.37	-57.67	-53.43	-65.66
Net Loans	9,674	9,261	8,996	8,452	8,348	8,400
Property, Plant & Equipment	367.46	378.26	376.31	386.42	363.6	351.9
Other Intangible Assets	6.71	6.78	5.49	3.99	2.56	1.45
Investments in Real Estate	56.03	58.06	58.79	56.9	59.65	61.17
Other Receivables	23.11	41.5	62.22	333	2.77	1.18
Restricted Cash	2,732	3,069	2,948	2,511	2,906	2,825
Other Current Assets	5.09	4.85	4.91	4.56	16.74	-
Long-Term Deferred Tax Assets	2.59	3.46	4.57	10.35	20.6	23.22
Other Long-Term Assets	36.75	26.35	47.81	64.64	58.87	39.87
Total Assets	15,485	15,391	14,857	14,098	14,265	13,969
Accounts Payable	21.66	26.33	20.01	19.4	24.06	-
Accrued Expenses	-	48.94	44.5	40.49	13.66	-
Interest Bearing Deposits	9,612	3,786	3,840	2,992	2,169	3,072
Non-Interest Bearing Deposits	-	5,971	5,189	5,442	5,861	5,188
Total Deposits	9,612	9,757	9,029	8,435	8,030	8,260
Short-Term Borrowings	31.12	324.28	351.85	425.81	383.55	358.59
Current Portion of Long-Term Debt	-	237.1	582.11	517.93	247.24	178.02
Current Portion of Leases	-	-	-	-	-	3.33
Current Income Taxes Payable	20.75	11.48	18.41	1.17	1.14	4.6
Long-Term Debt	2,857	2,235	2,251	2,301	3,367	3,043
Long-Term Leases	48.98	49.51	48.62	26.91	27.6	25.93
Pension & Post-Retirement Benefits	-	38.88	35.63	31.99	45.55	49.06
Long-Term Deferred Tax Liabilities	14.34	14.35	0.82	1.11	1.74	1.22
Other Long-Term Liabilities	246.26	161.21	190.54	223.23	242.86	259.26
Total Liabilities	12,868	12,904	12,573	12,024	12,385	12,183
Common Stock	74.25	74.25	74.25	74.25	68.06	68.06
Retained Earnings	2,087	1,977	1,778	1,595	1,516	1,432
Comprehensive Income & Other	391.36	380.72	381.42	358.81	252.73	242.78
Total Common Equity	2,553	2,432	2,234	2,028	1,837	1,743
Minority Interest	64.17	55.75	50.03	45.52	43.59	43.75
Shareholders' Equity	2,617	2,488	2,284	2,074	1,881	1,787
Total Liabilities & Equity	15,485	15,391	14,857	14,098	14,265	13,969
Total Debt	2,937	2,846	3,234	3,272	4,026	3,609
Net Cash (Debt)	-2,801	-2,678	-3,088	-3,118	-3,858	-3,431
Net Cash Per Share	-75.51	-72.19	-83.21	-91.03	-113.77	-101.15
Filing Date Shares Outstanding	37.1	37.1	37.1	37.11	33.98	33.9
Total Common Shares Outstanding	37.1	37.1	37.1	37.11	33.98	33.9
Book Value Per Share	68.81	65.55	60.20	54.66	54.06	51.41
Tangible Book Value	2,546	2,425	2,228	2,024	1,835	1,742
Tangible Book Value Per Share	68.63	65.37	60.05	54.55	53.99	51.37

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