Oberbank 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	67.14	78.89	82.36	92.17	207.15	162.15
Investment Securities	4,096	3,903	3,557	3,653	3,180	3,404
Trading Asset Securities	69	53.17	56.85	96.3	139.54	200.74
Total Investments	4,165	3,956	3,614	3,750	3,320	3,605
Gross Loans	21,735	21,224	20,590	19,533	18,710	17,550
Allowance for Loan Losses	-	-226.74	-317.99	-240.13	-215.71	-215.47
Other Adjustments to Gross Loans	-	-228.72	-197.82	-99.56	-66.64	-70.11
Net Loans	21,735	20,769	20,074	19,193	18,428	17,265
Property, Plant & Equipment	268.57	273.09	278.12	284.7	298.39	314.7
Other Intangible Assets	4.04	4.49	4.27	3.77	3.22	2.2
Investments in Real Estate	68.53	63.05	69.05	72.69	84.23	89.66
Other Receivables	379.68	357.47	817.55	1,057	873.56	968.91
Restricted Cash	2,419	2,724	2,754	2,195	4,194	1,944
Other Current Assets	12.58	10.56	12.15	10.68	3.07	3.71
Long-Term Deferred Tax Assets	1.9	1.64	1.61	1.35	1.39	7.39
Other Long-Term Assets	222.41	143.6	127.32	137.78	127.01	70.75
Total Assets	29,343	28,383	27,834	26,798	27,540	24,433
Accrued Expenses	23.01	28.1	26.37	24.16	72.08	73.84
Interest Bearing Deposits	16,460	4,716	4,363	2,227	1,545	1,783
Non-Interest Bearing Deposits	-	11,325	11,394	12,835	13,183	11,304
Total Deposits	16,460	16,040	15,756	15,061	14,729	13,087
Short-Term Borrowings	99.87	836.27	869.9	1,013	818.78	1,089
Current Portion of Long-Term Debt	-	382.83	836.71	496.39	419.14	613.14
Current Portion of Leases	-	15.86	15.48	14.53	14.6	14.36
Current Income Taxes Payable	72.65	32.23	25.69	9.43	1.74	2.93
Other Current Liabilities	0.2	-	0.24	-	-	-
Long-Term Debt	7,854	6,362	5,863	6,061	7,428	5,786
Long-Term Leases	126.85	123.05	124.92	126.77	129.23	129.57
Pension & Post-Retirement Benefits	-	-	-	-	134.17	151.47
Long-Term Deferred Tax Liabilities	13.83	7.29	18.96	14.21	15.25	3.71
Other Long-Term Liabilities	407.52	438.62	433.99	430.4	460.18	442.85
Total Liabilities	25,058	24,267	23,971	23,251	24,222	21,394
Common Stock	105.92	105.82	105.92	105.77	105.86	105.38
Retained Earnings	2,610	2,438	2,205	1,974	1,845	1,718
Comprehensive Income & Other	1,560	1,564	1,544	1,459	1,359	1,208
Total Common Equity	4,277	4,107	3,854	3,538	3,310	3,031
Minority Interest	8.59	8.21	8.68	8.61	7.79	7.65
Shareholders' Equity	4,285	4,116	3,863	3,547	3,318	3,039
Total Liabilities & Equity	29,343	28,383	27,834	26,798	27,540	24,433
Total Debt	8,081	7,720	7,710	7,712	8,810	7,632
Net Cash (Debt)	-7,945	-7,588	-7,571	-7,523	-8,463	-7,269
Net Cash Per Share	-112.57	-107.50	-107.26	-106.59	-120.09	-102.94
Filing Date Shares Outstanding	70.58	70.55	70.61	70.51	70.61	70.61
Total Common Shares Outstanding	70.58	70.55	70.61	70.51	70.61	70.61
Book Value Per Share	60.59	58.22	54.59	50.18	46.88	42.93
Tangible Book Value	4,273	4,103	3,850	3,535	3,307	3,029
Tangible Book Value Per Share	60.53	58.16	54.52	50.13	46.83	42.89

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