Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Income Statement

Financials in millions BGN. 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
Interest Income on Loans	109.04	119.1	100.06	56.23	49.91	48.25
Interest Income on Investments	0.03	0.05	0.03	0.02	0.02	0.03
Total Interest Income	109.08	119.15	100.09	56.25	49.93	48.28
Interest Paid on Deposits	19.6	17.87	6.57	4.07	5.23	6.16
Net Interest Income	89.48	101.28	93.52	52.18	44.69	42.12
Net Interest Income Growth (YoY)	-13.02%	8.30%	79.22%	16.75%	6.12%	6.43%
Gain (Loss) on Sale of Assets	-0.14	-0.14	-0.48	14.47	-0.22	-
Gain (Loss) on Sale of Investments	0.6	0.47	0.19	0.16	0.29	0.79
Gain (Loss) on Sale of Equity Investments	-	-	-0.13	-0.04	-0.09	-0.1
Other Non-Interest Income	18.72	17.38	17.56	20.48	15.83	13.66
Total Non-Interest Income	19.18	17.71	17.14	35.07	15.81	14.34
Non-Interest Income Growth (YoY)	12.56%	3.34%	-51.12%	121.84%	10.21%	30.24%
Revenues Before Loan Losses	108.66	118.99	110.66	87.25	60.5	56.46
Provision for Loan Losses	16.24	16.7	8.41	5.55	8.61	9.48
Revenue	92.41	102.29	102.24	81.69	51.89	46.98
Revenue Growth (YoY)	-17.10%	0.05%	25.15%	57.44%	10.44%	2.76%
Salaries and Employee Benefits	19.33	17.66	15.46	14.36	12.72	11.82
Occupancy Expenses	5.11	4.71	4.48	3.7	3.65	3.65
Selling, General & Administrative	21.16	23.86	19.08	15.92	15.22	16.26
Total Non-Interest Expense	45.61	46.23	39.02	33.97	31.59	31.72
EBT Excluding Unusual Items	46.8	56.06	63.23	47.73	20.3	15.26
Asset Writedown	-1.86	-1.86	-1.38	-0.9	-0.18	-
Pretax Income	44.94	54.2	61.84	46.83	20.12	15.26
Income Tax Expense	4.59	5.47	6.21	4.68	2.04	1.54
Earnings From Continuing Operations	40.35	48.73	55.63	42.15	18.08	13.72
Earnings From Discontinued Operations	-	-	-	-	-0.01	-
Net Income	40.35	48.73	55.63	42.15	18.07	13.72
Net Income to Common	40.35	48.73	55.63	42.15	18.07	13.72
Net Income Growth	-29.98%	-12.40%	31.99%	133.20%	31.70%	-4.15%
Basic Shares Outstanding	25	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25	25
Shares Change (YoY)	-	-	-	-	0.00%	-
EPS (Basic)	1.63	1.97	2.25	1.71	0.73	0.56
EPS (Diluted)	1.63	1.97	2.25	1.71	0.73	0.56
EPS Growth	-29.98%	-12.40%	31.99%	133.20%	31.70%	-4.15%
Dividend Per Share	-	-	0.800	0.100	-	-
Dividend Growth	-	-	700.00%	-	-	-
Effective Tax Rate	10.21%	10.10%	10.04%	9.99%	10.13%	10.07%

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