Banca Popolare di Sondrio S.p.A (BIT:BPSO)

BIT:BPSO 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	2,022	3,738	4,547	6,991	5,653	5,338
Investment Securities	5,395	5,119	5,553	4,468	5,690	5,015
Trading Asset Securities	280.31	176.18	151.85	179.72	204.29	190.55
Total Investments	5,676	5,296	5,705	4,647	5,895	5,206
Gross Loans	46,142	44,544	44,748	43,961	40,531	36,859
Allowance for Loan Losses	-973.1	-885.16	-930.47	-925.29	-1,044	-1,269
Net Loans	45,169	43,658	43,817	43,035	39,487	35,590
Property, Plant & Equipment	790.67	583.18	594.89	566.43	498.15	505.72
Goodwill	12.63	12.63	17	17	12.63	12.63
Other Intangible Assets	26.7	23.2	20.76	19.67	18.38	15.7
Investments in Real Estate	79.99	80.4	82.19	84.48	81.3	62.08
Accrued Interest Receivable	43.64	105.83	95.38	52.27	47.45	39.23
Other Receivables	1,829	2,161	1,998	1,494	478.99	73.82
Restricted Cash	314.16	331.19	322.4	347.5	2,232	2,272
Other Current Assets	159.93	188.72	56.29	87.91	82.23	77.95
Long-Term Deferred Tax Assets	190.42	188.25	259.44	324.99	321.69	377.19
Other Long-Term Assets	259.91	261.82	207.27	186.14	209.34	238.07
Total Assets	56,574	56,629	57,722	57,854	55,016	49,808
Accounts Payable	30.52	44.91	42.46	30.84	21.1	20.35
Accrued Expenses	85.76	110.38	90.86	82.24	75.77	74.78
Interest Bearing Deposits	5,144	6,532	5,413	3,521	1,564	1,522
Non-Interest Bearing Deposits	33,320	32,898	31,093	34,082	35,308	32,295
Total Deposits	38,464	39,430	36,505	37,602	36,872	33,817
Short-Term Borrowings	4,758	5,444	5,553	2,320	106.79	95.51
Current Portion of Leases	-	23.23	-	-	23.56	-
Current Income Taxes Payable	48.85	41.5	42	3.16	4.26	3.57
Other Current Liabilities	1,101	602.93	735.18	548.25	534.83	550.19
Long-Term Debt	6,115	5,667	9,579	13,079	13,123	11,313
Long-Term Leases	153.24	123.06	163.27	171.18	159.72	200.62
Long-Term Unearned Revenue	17.62	-	-	-	-	-
Pension & Post-Retirement Benefits	218.45	222.01	212.41	203.42	231.76	232.21
Long-Term Deferred Tax Liabilities	101.93	30.92	29.36	29.2	35.61	33.83
Other Long-Term Liabilities	1,151	732.81	960.42	397.37	452.33	370.75
Total Liabilities	52,245	52,472	53,912	54,467	51,641	46,712
Common Stock	1,360	1,360	1,360	1,360	1,360	1,360
Additional Paid-In Capital	79.04	78.93	78.95	78.98	79.01	79.01
Retained Earnings	2,701	2,699	2,376	2,006	1,788	1,520
Treasury Stock	-25.05	-25.22	-25.42	-25.4	-25.46	-25.39
Comprehensive Income & Other	213.34	43.36	19.67	-32.19	68.33	63.73
Total Common Equity	4,329	4,156	3,809	3,387	3,270	2,998
Minority Interest	0.01	0.01	0.01	0	104.58	98.1
Shareholders' Equity	4,329	4,156	3,809	3,387	3,375	3,096
Total Liabilities & Equity	56,574	56,629	57,722	57,854	55,016	49,808
Total Debt	11,026	11,257	15,294	15,570	13,413	11,610
Net Cash (Debt)	-8,373	-6,703	-9,976	-8,395	-7,323	-5,566
Net Cash Per Share	-18.59	-14.91	-22.18	-	-	-12.38
Filing Date Shares Outstanding	449.82	449.79	449.71	-	-	449.71
Total Common Shares Outstanding	449.82	449.79	449.71	-	-	449.71
Book Value Per Share	9.62	9.24	8.47	-	-	6.67
Tangible Book Value	4,290	4,120	3,772	3,351	3,239	2,969
Tangible Book Value Per Share	9.54	9.16	8.39	-	-	6.60

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