Bulgarian-American Credit Bank AD (BUL: BACB)

BACB Balance Sheet

Financials in millions BGN. Fiscal year is January - December.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	47.76	27.89	22.1	171.84	62.15	287.99
Investment Securities	285.59	306.49	179.85	120.69	59.39	59.37
Trading Asset Securities	1.63	1.44	1.19	1.01	1.99	1.28
Total Investments	287.22	307.93	181.05	121.7	61.38	60.65
Gross Loans	1,699	1,562	1,441	1,316	1,237	1,109
Allowance for Loan Losses	-62.22	-59.62	-60.09	-67.21	-85.24	-89.16
Other Adjustments to Gross Loans	-1.16	-1.88	-2.36	-2.49	-3.32	-0.77
Net Loans	1,636	1,500	1,379	1,247	1,148	1,019
Property, Plant & Equipment	9.77	11.49	12.24	17.49	15.43	16.59
Other Intangible Assets	1.84	1.67	1.81	1.67	1.75	1.53
Investments in Real Estate	84.51	91.77	82.18	103.54	98.8	101.1
Other Receivables	-	0.69	5.35	1.42	-	0.4
Restricted Cash	571.99	794.57	894.5	461.71	393.15	126.09
Other Current Assets	5.72	21.82	42.03	40.96	20.93	21.25
Long-Term Deferred Tax Assets	0.22	0.28	0.28	-	-	-
Other Long-Term Assets	51.41	32.78	36.91	33.39	67.4	35.64
Total Assets	2,696	2,791	2,657	2,200	1,869	1,671
Accounts Payable	-	1.76	3.14	3.11	-	2.12
Accrued Expenses	-	0.9	0.87	0.76	-	0.79
Interest Bearing Deposits	778.28	725.38	700.19	675.59	742.51	760.56
Non-Interest Bearing Deposits	1,475	1,676	1,605	1,233	852.55	654
Total Deposits	2,253	2,401	2,305	1,909	1,595	1,415
Current Portion of Long-Term Debt	-	2.91	4.65	4.15	-	4.17
Current Portion of Leases	-	1.2	3.36	2.07	-	2.1
Current Income Taxes Payable	0.95	1.16	1.47	0.41	0.42	0.07
Long-Term Debt	67.48	35.54	42.66	27.41	38.13	38.09
Long-Term Leases	-	7.37	6.57	6.11	-	3.86
Pension & Post-Retirement Benefits	-	0.87	0.79	0.29	-	-
Long-Term Deferred Tax Liabilities	-	-	-	0.18	0.13	0.18
Other Long-Term Liabilities	23.4	11.89	17.97	15.97	22.12	7.06
Total Liabilities	2,345	2,465	2,386	1,969	1,656	1,473
Common Stock	24.69	24.69	24.69	24.69	24.69	24.69
Additional Paid-In Capital	37.05	37.05	37.05	37.05	37.05	37.05
Retained Earnings	287.16	264.02	211.53	164.53	146.69	129.25
Comprehensive Income & Other	1.91	0.73	-2.4	5	4.91	6.74
Shareholders' Equity	350.81	326.49	270.88	231.27	213.34	197.73
Total Liabilities & Equity	2,696	2,791	2,657	2,200	1,869	1,671
Total Debt	67.48	47.01	57.24	39.74	38.13	48.21
Net Cash (Debt)	-18.08	-17.69	-33.95	133.11	26.01	241.06
Net Cash Growth	-	-	-	411.71%	-89.21%	53.61%
Net Cash Per Share	-0.73	-0.72	-1.37	5.39	1.05	9.76
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	14.21	13.22	10.97	9.37	8.64	8.01
Tangible Book Value	348.97	324.82	269.07	229.6	211.59	196.2
Tangible Book Value Per Share	14.13	13.16	10.90	9.30	8.57	7.95

Source: S&P Capital IQ. Banks template. Financial Sources.