Bendigo and Adelaide Bank Ltd
ASX:BEN
Balance Sheet
Balance Sheet Decomposition
Bendigo and Adelaide Bank Ltd
Bendigo and Adelaide Bank Ltd
Balance Sheet
Bendigo and Adelaide Bank Ltd
| Jun-2002 | Jun-2003 | Jun-2004 | Jun-2005 | Jun-2006 | Jun-2007 | Jun-2008 | Jun-2009 | Jun-2010 | Jun-2011 | Jun-2012 | Jun-2013 | Jun-2014 | Jun-2015 | Jun-2016 | Jun-2017 | Jun-2018 | Jun-2019 | Jun-2020 | Jun-2021 | Jun-2022 | Jun-2023 | Jun-2024 | Jun-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Net Loans |
6 210
|
7 504
|
9 373
|
11 392
|
12 437
|
13 773
|
40 093
|
38 721
|
43 478
|
46 339
|
48 592
|
50 512
|
52 933
|
55 532
|
57 257
|
60 777
|
61 602
|
61 822
|
64 980
|
71 921
|
77 610
|
78 363
|
80 409
|
85 546
|
|
| Investments |
1 200
|
1 239
|
1 343
|
1 749
|
1 998
|
2 441
|
4 236
|
4 704
|
5 161
|
5 498
|
5 541
|
7 072
|
9 013
|
7 531
|
8 302
|
7 572
|
6 725
|
7 670
|
7 910
|
8 572
|
13 009
|
12 597
|
13 657
|
14 500
|
|
| PP&E Net |
49
|
54
|
57
|
48
|
81
|
96
|
194
|
232
|
263
|
363
|
368
|
63
|
97
|
99
|
91
|
78
|
70
|
63
|
252
|
206
|
180
|
166
|
142
|
134
|
|
| PP&E Gross |
49
|
54
|
57
|
48
|
81
|
96
|
194
|
232
|
263
|
363
|
368
|
63
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Accumulated Depreciation |
39
|
49
|
60
|
61
|
68
|
74
|
146
|
154
|
168
|
173
|
193
|
191
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Intangible Assets |
9
|
9
|
8
|
23
|
25
|
30
|
185
|
166
|
196
|
209
|
188
|
150
|
136
|
138
|
192
|
222
|
208
|
245
|
124
|
112
|
281
|
314
|
382
|
442
|
|
| Goodwill |
63
|
59
|
55
|
67
|
65
|
64
|
1 385
|
1 433
|
1 446
|
1 446
|
1 360
|
1 368
|
1 368
|
1 442
|
1 442
|
1 442
|
1 442
|
1 440
|
1 440
|
1 438
|
1 528
|
1 528
|
1 528
|
988
|
|
| Long-Term Investments |
72
|
89
|
101
|
118
|
144
|
156
|
185
|
226
|
7
|
13
|
13
|
16
|
16
|
4
|
4
|
9
|
9
|
9
|
5
|
10
|
15
|
14
|
10
|
8
|
|
| Customer Acceptances Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
23
|
27
|
33
|
36
|
27
|
33
|
164
|
212
|
201
|
180
|
196
|
158
|
134
|
146
|
132
|
111
|
117
|
5
|
88
|
42
|
49
|
71
|
28
|
0
|
|
| Other Assets |
158
|
133
|
150
|
184
|
149
|
243
|
1 866
|
2 049
|
2 108
|
1 934
|
1 948
|
1 900
|
2 166
|
1 902
|
1 857
|
1 823
|
1 867
|
1 876
|
1 789
|
1 851
|
1 890
|
2 112
|
2 085
|
1 838
|
|
| Total Assets |
7 968
N/A
|
9 257
+16%
|
11 285
+22%
|
13 859
+23%
|
15 196
+10%
|
17 002
+12%
|
48 049
+183%
|
47 114
-2%
|
52 141
+11%
|
55 005
+5%
|
57 238
+4%
|
60 273
+5%
|
65 063
+8%
|
66 029
+1%
|
68 573
+4%
|
71 416
+4%
|
71 440
+0%
|
72 435
+1%
|
76 009
+5%
|
86 577
+14%
|
95 244
+10%
|
98 480
+3%
|
98 188
0%
|
103 219
+5%
|
|
| Liabilities | |||||||||||||||||||||||||
| Accounts Payable |
64
|
91
|
89
|
0
|
0
|
139
|
681
|
303
|
363
|
410
|
423
|
366
|
296
|
257
|
199
|
196
|
180
|
171
|
106
|
51
|
31
|
287
|
481
|
458
|
|
| Accrued Liabilities |
0
|
0
|
0
|
0
|
0
|
97
|
0
|
299
|
341
|
306
|
267
|
292
|
590
|
402
|
276
|
311
|
244
|
299
|
260
|
254
|
291
|
295
|
469
|
384
|
|
| Short-Term Debt |
0
|
0
|
0
|
0
|
0
|
259
|
11 292
|
9 975
|
9 043
|
8 454
|
6 411
|
6 401
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Current Portion of Long-Term Debt |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
795
|
633
|
597
|
939
|
0
|
10
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Total Deposits |
6 988
|
8 241
|
10 149
|
12 572
|
13 600
|
14 888
|
31 405
|
31 880
|
37 076
|
40 521
|
44 573
|
47 819
|
52 723
|
53 708
|
57 350
|
59 101
|
59 882
|
61 018
|
64 328
|
74 531
|
74 763
|
77 501
|
79 296
|
84 124
|
|
| Other Interest Bearing Liabilities |
212
|
129
|
129
|
143
|
166
|
184
|
359
|
286
|
285
|
305
|
417
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Current Liabilities |
25
|
9
|
7
|
8
|
10
|
16
|
11
|
0
|
73
|
69
|
88
|
48
|
18
|
18
|
35
|
22
|
52
|
6
|
0
|
44
|
51
|
41
|
0
|
0
|
|
| Total Current Liabilities |
89
|
100
|
96
|
8
|
10
|
511
|
11 984
|
10 577
|
9 820
|
9 239
|
7 189
|
7 107
|
1 699
|
1 310
|
1 107
|
1 468
|
476
|
486
|
366
|
349
|
373
|
623
|
950
|
842
|
|
| Long-Term Debt |
161
|
205
|
199
|
268
|
327
|
342
|
748
|
1 035
|
797
|
708
|
616
|
614
|
5 378
|
5 705
|
4 634
|
5 080
|
5 135
|
5 022
|
5 286
|
5 161
|
13 218
|
13 325
|
10 748
|
11 371
|
|
| Deferred Income Tax |
4
|
6
|
8
|
2
|
16
|
22
|
187
|
92
|
121
|
122
|
105
|
78
|
80
|
112
|
115
|
127
|
131
|
0
|
0
|
0
|
0
|
0
|
0
|
44
|
|
| Minority Interest |
0
|
0
|
0
|
0
|
1
|
1
|
0
|
0
|
146
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Liabilities |
19
|
23
|
27
|
143
|
177
|
40
|
68
|
126
|
162
|
150
|
121
|
222
|
217
|
252
|
254
|
215
|
196
|
277
|
231
|
182
|
179
|
180
|
160
|
167
|
|
| Total Liabilities |
7 473
N/A
|
8 704
+16%
|
10 608
+22%
|
13 138
+24%
|
14 296
+9%
|
15 986
+12%
|
44 751
+180%
|
43 996
-2%
|
48 406
+10%
|
51 044
+5%
|
53 020
+4%
|
55 839
+5%
|
60 096
+8%
|
61 087
+2%
|
63 457
+4%
|
65 990
+4%
|
65 820
0%
|
66 804
+1%
|
70 211
+5%
|
80 224
+14%
|
88 532
+10%
|
91 629
+3%
|
91 154
-1%
|
96 549
+6%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
448
|
464
|
552
|
589
|
652
|
694
|
2 895
|
3 193
|
3 551
|
3 598
|
3 871
|
3 947
|
4 372
|
4 235
|
4 298
|
4 457
|
4 530
|
4 576
|
4 909
|
5 053
|
5 223
|
5 243
|
5 233
|
5 205
|
|
| Retained Earnings |
46
|
89
|
125
|
162
|
273
|
362
|
441
|
49
|
181
|
387
|
425
|
535
|
645
|
766
|
878
|
996
|
1 109
|
1 059
|
906
|
1 285
|
1 488
|
1 680
|
1 894
|
1 467
|
|
| Unrealized Security Profit/Loss |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
8
|
31
|
0
|
30
|
6
|
5
|
4
|
2
|
2
|
2
|
2
|
1
|
10
|
46
|
58
|
83
|
15
|
|
| Other Equity |
0
|
0
|
0
|
30
|
26
|
40
|
37
|
33
|
28
|
25
|
107
|
54
|
55
|
63
|
63
|
29
|
20
|
4
|
18
|
5
|
47
|
14
|
10
|
14
|
|
| Total Equity |
495
N/A
|
553
+12%
|
677
+22%
|
721
+6%
|
900
+25%
|
1 016
+13%
|
3 298
+225%
|
3 119
-5%
|
3 735
+20%
|
3 960
+6%
|
4 218
+7%
|
4 434
+5%
|
4 967
+12%
|
4 942
-1%
|
5 115
+4%
|
5 426
+6%
|
5 620
+4%
|
5 632
+0%
|
5 798
+3%
|
6 354
+10%
|
6 712
+6%
|
6 851
+2%
|
7 034
+3%
|
6 670
-5%
|
|
| Total Liabilities & Equity |
7 968
N/A
|
9 257
+16%
|
11 285
+22%
|
13 859
+23%
|
15 196
+10%
|
17 002
+12%
|
48 049
+183%
|
47 114
-2%
|
52 141
+11%
|
55 005
+5%
|
57 238
+4%
|
60 273
+5%
|
65 063
+8%
|
66 029
+1%
|
68 573
+4%
|
71 416
+4%
|
71 440
+0%
|
72 435
+1%
|
76 009
+5%
|
86 577
+14%
|
95 244
+10%
|
98 480
+3%
|
98 188
0%
|
103 219
+5%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
126
|
129
|
141
|
141
|
143
|
146
|
278
|
308
|
361
|
367
|
402
|
412
|
452
|
457
|
464
|
479
|
486
|
492
|
531
|
547
|
563
|
566
|
565
|
564
|
|
| Preferred Shares Outstanding |
0
|
0
|
0
|
1
|
1
|
1
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|