Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Balance Sheet

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
Cash & Equivalents	118.87	56.08	27.89	22.1	171.84	62.15
Investment Securities	331.09	321	306.5	179.85	120.69	59.39
Trading Asset Securities	2.01	2.01	1.44	1.19	1.01	1.99
Total Investments	333.11	323.01	307.94	181.05	121.7	61.38
Gross Loans	1,895	1,764	1,562	1,441	1,316	1,237
Allowance for Loan Losses	-69.47	-67.7	-59.62	-60.09	-67.21	-85.24
Other Adjustments to Gross Loans	-0.64	-0.93	-1.88	-2.36	-2.49	-3.32
Net Loans	1,825	1,695	1,501	1,379	1,247	1,148
Property, Plant & Equipment	10.7	12.36	11.49	12.24	17.49	15.43
Other Intangible Assets	2.26	2.15	1.67	1.81	1.67	1.75
Investments in Real Estate	79.39	83.88	91.77	82.18	103.54	98.8
Other Receivables	9.55	0.76	0.69	5.35	1.42	-
Restricted Cash	433.99	521.28	794.59	894.5	461.71	393.15
Other Current Assets	17.66	13.28	19.72	42.03	40.96	20.93
Long-Term Deferred Tax Assets	0.34	0.39	0.28	0.28	-	-
Other Long-Term Assets	10.56	35.16	32.78	36.91	33.39	67.4
Total Assets	2,841	2,745	2,791	2,657	2,200	1,869
Accounts Payable	-	1.79	1.76	3.14	3.11	-
Accrued Expenses	-	1	0.94	0.87	0.76	-
Interest Bearing Deposits	888.71	881.63	725.41	700.19	675.59	742.51
Non-Interest Bearing Deposits	1,471	1,409	1,676	1,605	1,233	852.55
Total Deposits	2,360	2,290	2,401	2,305	1,909	1,595
Current Portion of Long-Term Debt	-	7.59	9.11	4.65	4.15	-
Current Portion of Leases	-	3.4	1.2	3.36	2.07	-
Current Income Taxes Payable	0.02	0.12	1.16	1.47	0.41	0.42
Long-Term Debt	63.68	58.52	29.34	42.66	27.41	38.13
Long-Term Leases	-	4.96	7.37	6.57	6.11	-
Pension & Post-Retirement Benefits	-	0.87	0.87	0.79	0.29	-
Long-Term Deferred Tax Liabilities	-	-	-	-	0.18	0.13
Other Long-Term Liabilities	34.46	20.53	11.85	17.97	15.97	22.12
Total Liabilities	2,458	2,389	2,465	2,386	1,969	1,656
Common Stock	24.69	24.63	24.69	24.69	24.69	24.69
Additional Paid-In Capital	37.05	36.96	37.05	37.05	37.05	37.05
Retained Earnings	318.16	292.37	264.03	211.53	164.53	146.69
Comprehensive Income & Other	3.2	2.29	0.73	-2.4	5	4.91
Shareholders' Equity	383.1	356.25	326.5	270.88	231.27	213.34
Total Liabilities & Equity	2,841	2,745	2,791	2,657	2,200	1,869
Total Debt	63.68	74.47	47.01	57.24	39.74	38.13
Net Cash (Debt)	57.21	-16.38	-17.69	-33.95	133.11	26.01
Net Cash Growth	-	-	-	-	411.71%	-89.21%
Net Cash Per Share	2.32	-0.66	-0.72	-1.37	5.39	1.05
Filing Date Shares Outstanding	24.69	24.69	24.69	24.69	24.69	24.69
Total Common Shares Outstanding	24.69	24.69	24.69	24.69	24.69	24.69
Book Value Per Share	15.52	14.43	13.22	10.97	9.37	8.64
Tangible Book Value	380.84	354.09	324.83	269.07	229.6	211.59
Tangible Book Value Per Share	15.42	14.34	13.16	10.90	9.30	8.57

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