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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	111.96	119.1	100.06	56.23	49.91	48.25
Interest Income on Investments	0.05	0.05	0.03	0.02	0.02	0.03
Total Interest Income	112.01	119.15	100.09	56.25	49.93	48.28
Interest Paid on Deposits	19.55	17.87	6.57	4.07	5.23	6.16
Net Interest Income	92.46	101.28	93.52	52.18	44.69	42.12
Net Interest Income Growth (YoY)	-10.13%	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	0.77	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	19.05	17.38	17.56	20.48	15.83	13.66
Total Non-Interest Income	19.68	17.71	17.14	35.07	15.81	14.34
Non-Interest Income Growth (YoY)	18.33%	3.34%	-51.12%	121.84%	10.21%	30.24%
Revenues Before Loan Losses	112.14	118.99	110.66	87.25	60.5	56.46
Provision for Loan Losses	16.74	16.7	8.41	5.55	8.61	9.48
Revenue	95.41	102.29	102.24	81.69	51.89	46.98
Revenue Growth (YoY)	-18.42%	0.05%	25.15%	57.44%	10.44%	2.76%
Salaries and Employee Benefits	18.78	17.66	15.46	14.36	12.72	11.82
Occupancy Expenses	4.97	4.71	4.48	3.7	3.65	3.65
Selling, General & Administrative	21.81	23.86	19.08	15.92	15.22	16.26
Total Non-Interest Expense	45.56	46.23	39.02	33.97	31.59	31.72
EBT Excluding Unusual Items	49.84	56.06	63.23	47.73	20.3	15.26
Asset Writedown	0.67	-1.86	-1.38	-0.9	-0.18	-
Pretax Income	50.52	54.2	61.84	46.83	20.12	15.26
Income Tax Expense	5.13	5.47	6.21	4.68	2.04	1.54
Earnings From Continuing Operations	45.38	48.73	55.63	42.15	18.08	13.72
Earnings From Discontinued Operations	-	-	-	-	-0.01	-
Net Income	45.38	48.73	55.63	42.15	18.07	13.72
Net Income to Common	45.38	48.73	55.63	42.15	18.07	13.72
Net Income Growth	-23.46%	-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%	-	-	-	0.00%	-
EPS (Basic)	1.84	1.97	2.25	1.71	0.73	0.56
EPS (Diluted)	1.84	1.97	2.25	1.71	0.73	0.56
EPS Growth	-23.46%	-12.40%	31.99%	133.20%	31.70%	-4.15%
Dividend Per Share	-	-	0.800	0.100	-	-
Dividend Growth	-	-	700.00%	-	-	-
Effective Tax Rate	10.16%	10.10%	10.04%	9.99%	10.13%	10.07%

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