ZSE:HPB 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	150.05	3,810	3,112	1,481	864.94	540.51
Investment Securities	1,811	1,038	863.9	826.12	608.69	547.01
Trading Asset Securities	67.04	66.62	55.41	67.53	83.29	100.42
Total Investments	1,878	1,104	919.31	893.66	691.98	647.42
Gross Loans	3,564	3,042	3,123	3,304	2,086	2,143
Allowance for Loan Losses	-130.24	-190.42	-241.09	-267.6	-206.65	-209.41
Net Loans	3,434	2,852	2,882	3,036	1,880	1,933
Property, Plant & Equipment	57.67	51.3	55.24	36.04	24.94	34.31
Goodwill	-	0	0	0	-	-
Other Intangible Assets	18.09	14.91	14.62	18.02	8.58	12.08
Investments in Real Estate	-	4.83	5.87	6.32	9	9.73
Accrued Interest Receivable	-	16.7	27.81	25.69	20.21	20.85
Other Receivables	4.14	16.01	17.1	10.21	9.89	9.38
Restricted Cash	2,177	-	-	-	176.5	161.49
Other Current Assets	-	6.93	6.5	7.45	5.6	3.78
Long-Term Deferred Tax Assets	-	4.42	5.32	9.13	-	-
Other Long-Term Assets	23.77	-	-	16.64	11.99	-
Total Assets	7,742	7,882	7,046	5,540	3,703	3,373
Accounts Payable	-	2.21	3.28	3.07	1.98	1.27
Accrued Expenses	-	2.49	2.49	1.64	1.37	0.93
Interest Bearing Deposits	7,041	2,896	2,476	1,709	1,135	1,084
Non-Interest Bearing Deposits	-	3,823	3,437	2,929	1,983	1,723
Total Deposits	7,041	6,719	5,913	4,638	3,118	2,808
Short-Term Borrowings	1.42	1.45	30.03	0.03	-	0
Current Portion of Long-Term Debt	-	134.31	36.75	29.01	16.14	16.08
Current Portion of Leases	-	3.14	3.38	3.1	2.71	3.06
Current Income Taxes Payable	1.35	6.05	7.51	0.22	4.78	-
Accrued Interest Payable	-	14	10.26	2.86	1.02	1.18
Other Current Liabilities	-	75.9	47.15	-	-	-
Long-Term Debt	-	309.91	403.01	293.27	157.75	163.02
Long-Term Leases	-	8.67	11.14	10.09	9.27	12.11
Long-Term Unearned Revenue	-	-	-	0.37	0.48	0.62
Pension & Post-Retirement Benefits	-	-	-	1.05	0.99	1.23
Long-Term Deferred Tax Liabilities	-	-	-	-	3.5	3.11
Other Long-Term Liabilities	86.91	40.33	40.42	100.17	31.88	34
Total Liabilities	7,131	7,322	6,512	5,083	3,350	3,045
Common Stock	161.97	161.97	161.97	161.23	161.64	160.91
Retained Earnings	439.72	387.47	362.32	287.06	159.38	131.82
Treasury Stock	-	-	-	-	-0.06	-0.06
Comprehensive Income & Other	9.66	10.08	9.24	8.62	32.56	35.69
Shareholders' Equity	611.36	559.51	533.53	456.9	353.51	328.35
Total Liabilities & Equity	7,742	7,882	7,046	5,540	3,703	3,373
Total Debt	1.42	457.47	484.31	335.49	185.87	194.27
Net Cash (Debt)	167.81	3,419	2,686	1,239	762.37	446.67
Net Cash Growth	-17.73%	27.29%	116.90%	62.46%	70.68%	23.59%
Net Cash Per Share	82.88	1688.95	1326.90	611.76	376.70	220.70
Filing Date Shares Outstanding	2.02	2.02	2.02	2.02	2.02	2.02
Total Common Shares Outstanding	2.02	2.02	2.02	2.02	2.02	2.02
Book Value Per Share	301.96	276.35	263.52	225.67	174.67	162.24
Tangible Book Value	593.27	544.6	518.91	438.88	344.93	316.26
Tangible Book Value Per Share	293.03	268.99	256.30	216.77	170.43	156.27

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