Oberbank 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	69.38	78.89	82.36	92.17	207.15
Investment Securities	4,394	3,903	3,557	3,653	3,180
Trading Asset Securities	38.53	53.17	56.85	96.3	139.54
Total Investments	4,433	3,956	3,614	3,750	3,320
Gross Loans	22,058	21,224	20,590	19,533	18,710
Allowance for Loan Losses	-223.79	-226.74	-317.99	-240.13	-215.71
Other Adjustments to Gross Loans	-205.26	-228.72	-197.82	-99.56	-66.64
Net Loans	21,629	20,769	20,074	19,193	18,428
Property, Plant & Equipment	279.23	273.09	278.12	284.7	298.39
Other Intangible Assets	4.67	4.49	4.27	3.77	3.22
Investments in Real Estate	67.92	63.05	69.05	72.69	84.23
Other Receivables	331.48	357.47	817.55	1,057	873.56
Restricted Cash	2,360	2,724	2,754	2,195	4,194
Other Current Assets	11.39	10.56	12.15	10.68	3.07
Long-Term Deferred Tax Assets	1.74	1.64	1.61	1.35	1.39
Other Long-Term Assets	176.92	143.6	127.32	137.78	127.01
Total Assets	29,365	28,383	27,834	26,798	27,540
Accrued Expenses	32.4	28.1	26.37	24.16	72.08
Interest Bearing Deposits	4,533	4,716	4,363	2,227	1,545
Non-Interest Bearing Deposits	11,929	11,325	11,394	12,835	13,183
Total Deposits	16,461	16,040	15,756	15,061	14,729
Short-Term Borrowings	730.73	836.27	869.9	1,013	818.78
Current Portion of Long-Term Debt	637.7	382.83	836.71	496.39	419.14
Current Portion of Leases	3.91	4.12	15.48	14.53	14.6
Current Income Taxes Payable	23.42	32.23	25.69	9.43	1.74
Other Current Liabilities	0.86	-	0.24	-	-
Long-Term Debt	6,595	6,362	5,863	6,061	7,428
Long-Term Leases	127.73	134.78	124.92	126.77	129.23
Pension & Post-Retirement Benefits	-	-	-	-	134.17
Long-Term Deferred Tax Liabilities	20.1	7.29	18.96	14.21	15.25
Other Long-Term Liabilities	358.61	438.62	433.99	430.4	460.18
Total Liabilities	24,991	24,267	23,971	23,251	24,222
Common Stock	105.9	105.82	105.92	105.77	105.86
Retained Earnings	2,681	2,438	2,205	1,974	1,845
Comprehensive Income & Other	1,577	1,564	1,544	1,459	1,359
Total Common Equity	4,364	4,107	3,854	3,538	3,310
Minority Interest	8.98	8.21	8.68	8.61	7.79
Shareholders' Equity	4,373	4,116	3,863	3,547	3,318
Total Liabilities & Equity	29,365	28,383	27,834	26,798	27,540
Total Debt	8,095	7,720	7,710	7,712	8,810
Net Cash (Debt)	-7,987	-7,588	-7,571	-7,523	-8,463
Net Cash Per Share	-113.15	-107.50	-107.26	-106.59	-120.09
Filing Date Shares Outstanding	70.6	70.55	70.61	70.51	70.61
Total Common Shares Outstanding	70.6	70.55	70.61	70.51	70.61
Book Value Per Share	61.82	58.22	54.59	50.18	46.88
Tangible Book Value	4,360	4,103	3,850	3,535	3,307
Tangible Book Value Per Share	61.75	58.16	54.52	50.13	46.83

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