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	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	47.89	53.04	51.96	38.32	88.59
Investment Securities	2,426	2,374	2,206	2,121	2,318
Trading Asset Securities	96.92	114.17	94.17	115.9	79.09
Total Investments	2,522	2,488	2,301	2,237	2,397
Gross Loans	9,403	9,589	9,266	8,641	8,530
Allowance for Loan Losses	-182.15	-209.16	-154.07	-131.53	-128.05
Other Adjustments to Gross Loans	-92.69	-118.17	-115.37	-57.67	-53.43
Net Loans	9,129	9,261	8,996	8,452	8,348
Property, Plant & Equipment	378.69	378.26	376.31	386.42	363.6
Other Intangible Assets	7.58	6.78	5.49	3.99	2.56
Investments in Real Estate	55.76	58.06	58.79	56.9	59.65
Other Receivables	24.51	41.5	62.22	333	2.77
Restricted Cash	3,701	3,069	2,948	2,511	2,906
Other Current Assets	5.15	4.85	4.91	4.56	16.74
Long-Term Deferred Tax Assets	1.54	3.46	4.57	10.35	20.6
Other Long-Term Assets	39.74	26.35	47.81	64.64	58.87
Total Assets	15,913	15,391	14,857	14,098	14,265
Accounts Payable	17.36	26.33	20.01	19.4	24.06
Accrued Expenses	28.12	29.98	44.5	40.49	13.66
Interest Bearing Deposits	3,917	3,786	3,840	2,992	2,169
Non-Interest Bearing Deposits	6,141	5,971	5,189	5,442	5,861
Total Deposits	10,058	9,757	9,029	8,435	8,030
Short-Term Borrowings	297.99	324.28	351.85	425.81	383.55
Current Portion of Long-Term Debt	276.76	237.1	582.11	517.93	247.24
Current Income Taxes Payable	4.6	11.48	18.41	1.17	1.14
Long-Term Debt	494.23	533.29	2,251	2,301	3,367
Long-Term Leases	50.92	49.51	48.62	26.91	27.6
Long-Term Unearned Revenue	8.71	18.96	-	-	-
Pension & Post-Retirement Benefits	34.92	38.88	35.63	31.99	45.55
Long-Term Deferred Tax Liabilities	21.95	14.35	0.82	1.11	1.74
Other Long-Term Liabilities	1,979	1,863	190.54	223.23	242.86
Total Liabilities	13,272	12,904	12,573	12,024	12,385
Common Stock	74.25	74.25	74.25	74.25	68.06
Retained Earnings	2,105	1,977	1,778	1,595	1,516
Comprehensive Income & Other	401.52	380.72	381.42	358.81	252.73
Total Common Equity	2,581	2,432	2,234	2,028	1,837
Minority Interest	59.8	55.75	50.03	45.52	43.59
Shareholders' Equity	2,640	2,488	2,284	2,074	1,881
Total Liabilities & Equity	15,913	15,391	14,857	14,098	14,265
Total Debt	1,120	1,144	3,234	3,272	4,026
Net Cash (Debt)	-975.09	-976.96	-3,088	-3,118	-3,858
Net Cash Per Share	-26.28	-26.33	-83.21	-91.03	-113.77
Filing Date Shares Outstanding	37.09	37.1	37.1	37.11	33.98
Total Common Shares Outstanding	37.09	37.1	37.1	37.11	33.98
Book Value Per Share	69.57	65.55	60.20	54.66	54.06
Tangible Book Value	2,573	2,425	2,228	2,024	1,835
Tangible Book Value Per Share	69.37	65.37	60.05	54.55	53.99

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