Banco di Desio e della Brianza S.p.A. (BIT:BDB)

BIT:BDB Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	456.66	1,020	1,655	879.59	84.41	120.34
Investment Securities	1,394	1,809	1,588	1,402	1,083	1,087
Trading Asset Securities	21.13	23.45	25.26	65.27	11.54	6.8
Total Investments	1,416	1,832	1,613	1,467	1,094	1,094
Gross Loans	16,284	15,072	14,539	14,435	14,337	13,405
Allowance for Loan Losses	-293.04	-321.87	-305.53	-299.86	-343.17	-347.77
Net Loans	15,991	14,750	14,233	14,136	13,994	13,057
Property, Plant & Equipment	224.99	226.9	228.2	219.13	215.92	220.73
Goodwill	15.32	15.32	15.32	15.32	15.32	15.32
Other Intangible Assets	27.94	26.69	26.3	4.64	3.8	3.19
Investments in Real Estate	-	3.36	2.79	1.81	2.5	1.76
Accrued Interest Receivable	-	31.8	28.74	-	-	-
Other Receivables	0.66	396.59	454.11	437.66	166.12	21.56
Restricted Cash	-	104.24	58.57	83.02	1,922	836.89
Other Current Assets	-	31.05	22.73	56.52	69.56	33.31
Long-Term Deferred Tax Assets	87.33	91.38	118.74	153.89	155.49	186.83
Other Long-Term Assets	423.58	98.35	91.53	79.88	74.8	63.85
Total Assets	18,643	18,633	18,555	17,541	17,805	15,664
Accounts Payable	-	34.74	31.8	27.52	17.41	20.98
Accrued Expenses	-	59.71	49.53	42.64	42.42	45.95
Interest Bearing Deposits	12,931	1,111	1,171	324.69	447.9	529.44
Non-Interest Bearing Deposits	-	10,144	10,142	10,147	10,124	9,557
Total Deposits	12,931	11,254	11,313	10,472	10,572	10,086
Short-Term Borrowings	15.26	1,609	1,110	795.46	214	9.07
Current Portion of Long-Term Debt	-	-	-	-	80.03	50.08
Current Portion of Leases	-	10.88	-	-	-	-
Current Income Taxes Payable	24.75	1.15	3.5	0.58	2.01	-
Other Current Liabilities	-	48.23	44.84	70.37	77.92	90.39
Long-Term Debt	3,531	3,764	4,330	4,729	5,365	4,025
Long-Term Leases	-	47.44	58.69	56.71	51.82	52.29
Pension & Post-Retirement Benefits	14.26	19.65	19.36	17.79	21.96	24.74
Long-Term Deferred Tax Liabilities	10.33	10.87	8.27	1.04	1.96	13.49
Other Long-Term Liabilities	635.31	325.58	231.64	206.5	269.15	250.36
Total Liabilities	17,162	17,185	17,201	16,419	16,716	14,668
Common Stock	70.69	70.69	70.69	70.69	70.69	70.69
Additional Paid-In Capital	16.15	16.15	16.15	16.15	16.15	16.15
Retained Earnings	105.9	1,336	1,248	1,027	966.41	822.21
Treasury Stock	-20.2	-5.63	-	-	-	-
Comprehensive Income & Other	1,309	30.1	18.72	9.02	35.49	86.03
Total Common Equity	1,481	1,448	1,354	1,122	1,089	995.07
Minority Interest	0	0.55	0.01	0.01	0	0
Shareholders' Equity	1,481	1,448	1,354	1,122	1,089	995.08
Total Liabilities & Equity	18,643	18,633	18,555	17,541	17,805	15,664
Total Debt	3,546	5,431	5,499	5,581	5,711	4,136
Net Cash (Debt)	-3,068	-4,376	-3,792	-4,626	-5,562	-3,966
Net Cash Per Share	-23.34	-32.62	-28.22	-34.43	-41.39	-29.52
Filing Date Shares Outstanding	131.47	133.33	134.36	134.36	147.57	135.95
Total Common Shares Outstanding	131.47	133.33	134.36	134.36	147.57	135.95
Book Value Per Share	11.26	10.86	10.08	8.35	7.38	7.32
Tangible Book Value	1,438	1,406	1,312	1,102	1,070	976.56
Tangible Book Value Per Share	10.94	10.54	9.77	8.21	7.25	7.18

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.