Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	-	27.89	22.1	171.84	62.15
Investment Securities	181.44	306.49	179.85	120.69	59.39
Trading Asset Securities	1.03	1.44	1.19	1.01	1.99
Total Investments	182.48	307.93	181.05	121.7	61.38
Gross Loans	895.77	1,562	1,441	1,316	1,237
Allowance for Loan Losses	-	-59.62	-60.09	-67.21	-85.24
Other Adjustments to Gross Loans	-	-1.88	-2.36	-2.49	-3.32
Net Loans	895.77	1,500	1,379	1,247	1,148
Property, Plant & Equipment	7.44	11.49	12.24	17.49	15.43
Other Intangible Assets	-	1.67	1.81	1.67	1.75
Investments in Real Estate	43.69	91.77	82.18	103.54	98.8
Other Receivables	-	0.69	5.35	1.42	-
Restricted Cash	272.78	794.57	894.5	461.71	393.15
Other Current Assets	4.55	21.82	42.03	40.96	20.93
Long-Term Deferred Tax Assets	0.13	0.28	0.28	-	-
Other Long-Term Assets	4.88	32.78	36.91	33.39	67.4
Total Assets	1,412	2,791	2,657	2,200	1,869
Accounts Payable	-	1.76	3.14	3.11	-
Accrued Expenses	-	0.9	0.87	0.76	-
Interest Bearing Deposits	1,174	725.38	700.19	675.59	742.51
Non-Interest Bearing Deposits	-	1,676	1,605	1,233	852.55
Total Deposits	1,174	2,401	2,305	1,909	1,595
Current Portion of Long-Term Debt	-	2.91	4.65	4.15	-
Current Portion of Leases	-	1.2	3.36	2.07	-
Current Income Taxes Payable	0.43	1.16	1.47	0.41	0.42
Long-Term Debt	33.89	35.54	42.66	27.41	38.13
Long-Term Leases	-	7.37	6.57	6.11	-
Pension & Post-Retirement Benefits	-	0.87	0.79	0.29	-
Long-Term Deferred Tax Liabilities	-	-	-	0.18	0.13
Other Long-Term Liabilities	16.69	11.89	17.97	15.97	22.12
Total Liabilities	1,225	2,465	2,386	1,969	1,656
Common Stock	12.62	24.69	24.69	24.69	24.69
Additional Paid-In Capital	18.94	37.05	37.05	37.05	37.05
Retained Earnings	-	264.02	211.53	164.53	146.69
Comprehensive Income & Other	155.03	0.73	-2.4	5	4.91
Shareholders' Equity	186.59	326.49	270.88	231.27	213.34
Total Liabilities & Equity	1,412	2,791	2,657	2,200	1,869
Total Debt	33.89	47.01	57.24	39.74	38.13
Net Cash (Debt)	-32.86	-17.69	-33.95	133.11	26.01
Net Cash Growth	-	-	-	411.71%	-89.21%
Net Cash Per Share	-	-0.72	-1.37	5.39	1.05
Filing Date Shares Outstanding	-	24.69	24.69	24.69	24.69
Total Common Shares Outstanding	-	24.69	24.69	24.69	24.69
Book Value Per Share	-	13.22	10.97	9.37	8.64
Tangible Book Value	186.59	324.82	269.07	229.6	211.59
Tangible Book Value Per Share	-	13.16	10.90	9.30	8.57

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