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	54.9	61.05	51.16	28.74	25.52
Interest Income on Investments	0.04	0.02	0.02	0.01	0.01
Total Interest Income	54.94	61.08	51.17	28.75	25.53
Interest Paid on Deposits	9.75	9.16	3.36	2.08	2.68
Net Interest Income	45.18	51.92	47.81	26.67	22.85
Net Interest Income Growth (YoY)	-12.97%	8.58%	79.26%	16.71%	6.16%
Gain (Loss) on Sale of Assets	-	-0.07	-0.25	7.4	-0.11
Gain (Loss) on Sale of Investments	0.16	0.24	0.1	0.08	0.15
Gain (Loss) on Sale of Equity Investments	-	-	-0.06	-0.02	-0.05
Other Non-Interest Income	10.36	8.91	8.98	10.47	8.09
Total Non-Interest Income	10.52	9.08	8.76	17.93	8.08
Non-Interest Income Growth (YoY)	15.89%	3.61%	-51.11%	121.76%	10.26%
Revenues Before Loan Losses	55.71	60.99	56.58	44.6	30.94
Provision for Loan Losses	6.81	8.56	4.3	2.84	4.4
Revenue	48.89	52.44	52.27	41.76	26.53
Revenue Growth (YoY)	-6.75%	0.31%	25.18%	57.38%	10.49%
Salaries and Employee Benefits	10.88	9.06	7.9	7.34	6.51
Occupancy Expenses	2.58	2.41	2.29	1.89	1.87
Selling, General & Administrative	10.63	12.23	9.76	8.14	7.78
Total Non-Interest Expense	24.1	23.7	19.95	17.36	16.16
EBT Excluding Unusual Items	24.8	28.74	32.33	24.4	10.38
Asset Writedown	-	-0.95	-0.71	-0.46	-0.09
Pretax Income	24.8	27.79	31.62	23.94	10.29
Income Tax Expense	2.5	2.81	3.18	2.39	1.04
Earnings From Continuing Operations	22.3	24.98	28.44	21.54	9.25
Earnings From Discontinued Operations	-	-	-	-	-0
Net Income	22.3	24.98	28.44	21.54	9.24
Net Income to Common	22.3	24.98	28.44	21.54	9.24
Net Income Growth	-10.73%	-12.18%	32.02%	133.11%	31.75%
Basic Shares Outstanding	25	25	25	25	25
Diluted Shares Outstanding	25	25	25	25	25
Shares Change (YoY)	-	-	-	-	0.00%
EPS (Basic)	0.90	1.01	1.15	0.87	0.37
EPS (Diluted)	0.90	1.01	1.15	0.87	0.37
EPS Growth	-10.73%	-12.18%	32.02%	133.11%	31.75%
Dividend Per Share	-	-	0.409	0.051	-
Dividend Growth	-	-	700.16%	-	-
Effective Tax Rate	10.08%	10.10%	10.04%	9.99%	10.13%

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