BUL:BACB Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	107.31	119.1	100.06	56.23	49.91
Interest Income on Investments	0.08	0.05	0.03	0.02	0.02
Total Interest Income	107.4	119.15	100.09	56.25	49.93
Interest Paid on Deposits	19.07	17.87	6.57	4.07	5.23
Net Interest Income	88.33	101.28	93.52	52.18	44.69
Net Interest Income Growth (YoY)	-12.78%	8.30%	79.22%	16.75%	6.12%
Gain (Loss) on Sale of Assets	-	-0.14	-0.48	14.47	-0.22
Gain (Loss) on Sale of Investments	0.31	0.47	0.19	0.16	0.29
Gain (Loss) on Sale of Equity Investments	-	-	-0.13	-0.04	-0.09
Other Non-Interest Income	20.25	17.38	17.56	20.48	15.83
Total Non-Interest Income	20.57	17.71	17.14	35.07	15.81
Non-Interest Income Growth (YoY)	16.14%	3.34%	-51.12%	121.84%	10.21%
Revenues Before Loan Losses	108.9	118.99	110.66	87.25	60.5
Provision for Loan Losses	13.31	16.7	8.41	5.55	8.61
Revenue	95.58	102.29	102.24	81.69	51.89
Revenue Growth (YoY)	-6.56%	0.05%	25.15%	57.44%	10.44%
Salaries and Employee Benefits	21.27	17.66	15.46	14.36	12.72
Occupancy Expenses	5.04	4.71	4.48	3.7	3.65
Selling, General & Administrative	20.79	23.86	19.08	15.92	15.22
Total Non-Interest Expense	47.1	46.23	39.02	33.97	31.59
EBT Excluding Unusual Items	48.48	56.06	63.23	47.73	20.3
Asset Writedown	-	-1.86	-1.38	-0.9	-0.18
Pretax Income	48.48	54.2	61.84	46.83	20.12
Income Tax Expense	4.89	5.47	6.21	4.68	2.04
Earnings From Continuing Operations	43.59	48.73	55.63	42.15	18.08
Earnings From Discontinued Operations	-	-	-	-	-0.01
Net Income	43.59	48.73	55.63	42.15	18.07
Net Income to Common	43.59	48.73	55.63	42.15	18.07
Net Income Growth	-10.55%	-12.40%	31.99%	133.20%	31.70%
Basic Shares Outstanding	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25
Shares Change (YoY)	-	-	-	-	0.00%
EPS (Basic)	1.77	1.97	2.25	1.71	0.73
EPS (Diluted)	1.77	1.97	2.25	1.71	0.73
EPS Growth	-10.55%	-12.40%	31.99%	133.20%	31.70%
Dividend Per Share	-	-	0.800	0.100	-
Dividend Growth	-	-	700.00%	-	-
Effective Tax Rate	10.08%	10.10%	10.04%	9.99%	10.13%

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