Banca Sistema S.p.A. (BIT:BST)

Banca Sistema 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	151.15	93.44	250.5	126.59	175.84	68.86
Investment Securities	1,030	1,148	577	574.35	452.26	440.64
Trading Asset Securities	3.35	3.56	3.65	-	-	-
Total Investments	1,033	1,152	580.65	574.35	452.26	440.64
Gross Loans	2,756	2,915	3,468	3,566	3,002	3,105
Allowance for Loan Losses	-61.27	-65.15	-71.64	-68.21	-66.34	-53.34
Net Loans	2,695	2,850	3,396	3,498	2,936	3,052
Property, Plant & Equipment	53.68	53.43	40.66	43.37	40.78	32.61
Goodwill	43.99	45.08	33.53	33.53	32.36	32.36
Other Intangible Assets	3.79	2.16	1.92	0.99	0.77	0.37
Other Receivables	348.08	438.24	225.35	59.24	18.7	1.55
Restricted Cash	20.56	22.87	-	16.31	18.32	15.21
Other Current Assets	17.5	20.66	16.54	13.94	12.05	11.7
Long-Term Deferred Tax Assets	10.95	11.66	18.07	22.73	12.03	10.25
Other Long-Term Assets	8.32	11.38	6.23	5.67	8.86	5.71
Total Assets	4,388	4,703	4,572	4,397	3,709	3,671
Accounts Payable	7.61	9.07	8.62	7.48	9.84	6.2
Accrued Expenses	34.9	35.81	38.53	36.23	31.81	27.26
Interest Bearing Deposits	2,462	2,633	2,408	1,438	1,389	1,224
Non-Interest Bearing Deposits	318.98	306.09	760.83	708.17	818.91	760.55
Total Deposits	2,781	2,940	3,168	2,147	2,208	1,984
Short-Term Borrowings	757.14	823.56	3.65	865.88	249.26	235.23
Current Income Taxes Payable	2.95	1.66	0.46	0.24	0.04	2
Other Current Liabilities	-	-	0.04	0.01	0.02	7.48
Long-Term Debt	286.71	350.07	873.71	904.54	800.3	1,055
Long-Term Leases	4.38	3.71	4.12	5.78	3.66	3.98
Pension & Post-Retirement Benefits	5.05	5.22	4.71	4.11	-	-
Long-Term Deferred Tax Liabilities	30.69	30.15	24.36	16.79	14.94	14.91
Other Long-Term Liabilities	143.46	189.46	168.47	153.9	125.65	119.83
Total Liabilities	4,054	4,388	4,295	4,142	3,443	3,456
Common Stock	9.65	9.65	9.65	9.65	9.65	9.65
Additional Paid-In Capital	39.1	39.1	39.1	39.1	39.1	39.1
Retained Earnings	217.07	201.74	183.87	175.37	162.11	146.95
Treasury Stock	-	-0.1	-0.36	-0.56	-	-0.23
Comprehensive Income & Other	52.88	49.71	34.45	22.31	45.1	10.72
Total Common Equity	318.7	300.1	266.72	245.87	255.96	206.19
Minority Interest	15.87	14.58	10.63	10.02	9.57	9.3
Shareholders' Equity	334.57	314.68	277.35	255.9	265.53	215.49
Total Liabilities & Equity	4,388	4,703	4,572	4,397	3,709	3,671
Total Debt	1,048	1,177	881.48	1,776	1,053	1,294
Net Cash (Debt)	-893.73	-1,080	-627.33	-1,635	-877.37	-1,216
Net Cash Per Share	-11.12	-13.45	-7.82	-20.40	-10.91	-15.15
Filing Date Shares Outstanding	80.39	80.37	80.25	80.14	80.42	80.25
Total Common Shares Outstanding	80.39	80.37	80.25	80.14	80.42	80.25
Book Value Per Share	3.96	3.73	3.32	3.07	3.18	2.57
Tangible Book Value	270.92	252.87	231.27	211.36	222.84	173.46
Tangible Book Value Per Share	3.37	3.15	2.88	2.64	2.77	2.16

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