Bulgarian-American Credit Bank AD (BUL:BACB)
10.00
+0.40 (4.17%)
At close: Jul 16, 2025
BUL:BACB Income Statement
Financials in millions BGN. Fiscal year is January - December.
Millions BGN. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2016 - 2020 |
---|---|---|---|---|---|---|---|
Period Ending | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2016 - 2020 |
Interest Income on Loans | 115.87 | 119.1 | 100.06 | 56.23 | 49.91 | 48.25 | Upgrade |
Interest Income on Investments | 0.05 | 0.05 | 0.03 | 0.02 | 0.02 | 0.03 | Upgrade |
Total Interest Income | 115.92 | 119.15 | 100.09 | 56.25 | 49.93 | 48.28 | Upgrade |
Interest Paid on Deposits | 19.4 | 17.87 | 6.57 | 4.07 | 5.23 | 6.16 | Upgrade |
Net Interest Income | 96.51 | 101.28 | 93.52 | 52.18 | 44.69 | 42.12 | Upgrade |
Net Interest Income Growth (YoY) | -3.99% | 8.30% | 79.22% | 16.75% | 6.12% | 6.43% | Upgrade |
Gain (Loss) on Sale of Assets | -0.14 | -0.14 | -0.48 | 14.47 | -0.22 | - | Upgrade |
Gain (Loss) on Sale of Investments | 0.58 | 0.47 | 0.19 | 0.16 | 0.29 | 0.79 | Upgrade |
Gain (Loss) on Sale of Equity Investments | - | - | -0.13 | -0.04 | -0.09 | -0.1 | Upgrade |
Other Non-Interest Income | 18.89 | 17.38 | 17.56 | 20.48 | 15.83 | 13.66 | Upgrade |
Total Non-Interest Income | 19.33 | 17.71 | 17.14 | 35.07 | 15.81 | 14.34 | Upgrade |
Non-Interest Income Growth (YoY) | 17.75% | 3.34% | -51.12% | 121.84% | 10.21% | 30.24% | Upgrade |
Revenues Before Loan Losses | 115.84 | 118.99 | 110.66 | 87.25 | 60.5 | 56.46 | Upgrade |
Provision for Loan Losses | 17.35 | 16.7 | 8.41 | 5.55 | 8.61 | 9.48 | Upgrade |
98.49 | 102.29 | 102.24 | 81.69 | 51.89 | 46.98 | Upgrade | |
Revenue Growth (YoY) | -10.59% | 0.05% | 25.15% | 57.44% | 10.44% | 2.76% | Upgrade |
Salaries and Employee Benefits | 18.17 | 17.66 | 15.46 | 14.36 | 12.72 | 11.82 | Upgrade |
Occupancy Expenses | 4.84 | 4.71 | 4.48 | 3.7 | 3.65 | 3.65 | Upgrade |
Selling, General & Administrative | 23.42 | 23.86 | 19.08 | 15.92 | 15.22 | 16.26 | Upgrade |
Total Non-Interest Expense | 46.43 | 46.23 | 39.02 | 33.97 | 31.59 | 31.72 | Upgrade |
EBT Excluding Unusual Items | 52.06 | 56.06 | 63.23 | 47.73 | 20.3 | 15.26 | Upgrade |
Asset Writedown | -1.87 | -1.86 | -1.38 | -0.9 | -0.18 | - | Upgrade |
Pretax Income | 50.2 | 54.2 | 61.84 | 46.83 | 20.12 | 15.26 | Upgrade |
Income Tax Expense | 5.04 | 5.47 | 6.21 | 4.68 | 2.04 | 1.54 | Upgrade |
Earnings From Continuing Operations | 45.16 | 48.73 | 55.63 | 42.15 | 18.08 | 13.72 | Upgrade |
Earnings From Discontinued Operations | - | - | - | - | -0.01 | - | Upgrade |
Net Income | 45.16 | 48.73 | 55.63 | 42.15 | 18.07 | 13.72 | Upgrade |
Net Income to Common | 45.16 | 48.73 | 55.63 | 42.15 | 18.07 | 13.72 | Upgrade |
Net Income Growth | -26.12% | -12.40% | 31.99% | 133.20% | 31.70% | -4.15% | Upgrade |
Basic Shares Outstanding | 25 | 25 | 25 | 25 | 25 | 25 | Upgrade |
Diluted Shares Outstanding | 25 | 25 | 25 | 25 | 25 | 25 | Upgrade |
Shares Change (YoY) | - | - | - | - | 0.00% | - | Upgrade |
EPS (Basic) | 1.83 | 1.97 | 2.25 | 1.71 | 0.73 | 0.56 | Upgrade |
EPS (Diluted) | 1.83 | 1.97 | 2.25 | 1.71 | 0.73 | 0.56 | Upgrade |
EPS Growth | -26.12% | -12.40% | 31.99% | 133.20% | 31.70% | -4.15% | Upgrade |
Dividend Per Share | - | - | 0.800 | 0.100 | - | - | Upgrade |
Dividend Growth | - | - | 700.00% | - | - | - | Upgrade |
Effective Tax Rate | 10.05% | 10.10% | 10.04% | 9.99% | 10.13% | 10.07% | Upgrade |
Source: S&P Global Market Intelligence. Banks template. Financial Sources.