Bulgarian-American Credit Bank AD (BUL:BACB)
Bulgaria flag Bulgaria · Delayed Price · Currency is BGN
10.00
+0.40 (4.17%)
At close: Jul 16, 2025

BUL:BACB Income Statement

Millions BGN. Fiscal year is Jan - Dec.
Fiscal Year
TTMFY 2024FY 2023FY 2022FY 2021FY 20202016 - 2020
Period Ending
Mar '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 2016 - 2020
Interest Income on Loans
115.87119.1100.0656.2349.9148.25
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Interest Income on Investments
0.050.050.030.020.020.03
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Total Interest Income
115.92119.15100.0956.2549.9348.28
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Interest Paid on Deposits
19.417.876.574.075.236.16
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Net Interest Income
96.51101.2893.5252.1844.6942.12
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Net Interest Income Growth (YoY)
-3.99%8.30%79.22%16.75%6.12%6.43%
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Gain (Loss) on Sale of Assets
-0.14-0.14-0.4814.47-0.22-
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Gain (Loss) on Sale of Investments
0.580.470.190.160.290.79
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Gain (Loss) on Sale of Equity Investments
---0.13-0.04-0.09-0.1
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Other Non-Interest Income
18.8917.3817.5620.4815.8313.66
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Total Non-Interest Income
19.3317.7117.1435.0715.8114.34
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Non-Interest Income Growth (YoY)
17.75%3.34%-51.12%121.84%10.21%30.24%
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Revenues Before Loan Losses
115.84118.99110.6687.2560.556.46
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Provision for Loan Losses
17.3516.78.415.558.619.48
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98.49102.29102.2481.6951.8946.98
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Revenue Growth (YoY)
-10.59%0.05%25.15%57.44%10.44%2.76%
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Salaries and Employee Benefits
18.1717.6615.4614.3612.7211.82
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Occupancy Expenses
4.844.714.483.73.653.65
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Selling, General & Administrative
23.4223.8619.0815.9215.2216.26
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Total Non-Interest Expense
46.4346.2339.0233.9731.5931.72
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EBT Excluding Unusual Items
52.0656.0663.2347.7320.315.26
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Asset Writedown
-1.87-1.86-1.38-0.9-0.18-
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Pretax Income
50.254.261.8446.8320.1215.26
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Income Tax Expense
5.045.476.214.682.041.54
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Earnings From Continuing Operations
45.1648.7355.6342.1518.0813.72
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Earnings From Discontinued Operations
-----0.01-
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Net Income
45.1648.7355.6342.1518.0713.72
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Net Income to Common
45.1648.7355.6342.1518.0713.72
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Net Income Growth
-26.12%-12.40%31.99%133.20%31.70%-4.15%
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Basic Shares Outstanding
252525252525
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Diluted Shares Outstanding
252525252525
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Shares Change (YoY)
----0.00%-
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EPS (Basic)
1.831.972.251.710.730.56
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EPS (Diluted)
1.831.972.251.710.730.56
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EPS Growth
-26.12%-12.40%31.99%133.20%31.70%-4.15%
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Dividend Per Share
--0.8000.100--
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Dividend Growth
--700.00%---
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Effective Tax Rate
10.05%10.10%10.04%9.99%10.13%10.07%
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Source: S&P Global Market Intelligence. Banks template. Financial Sources.