Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Balance Sheet

Financials in millions EUR. 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	60.78	28.75	14.26	11.3	87.87	31.77
Investment Securities	169.3	164.55	156.71	91.94	61.72	30.36
Trading Asset Securities	1.03	1.03	0.74	0.61	0.51	1.02
Total Investments	170.33	165.58	157.44	92.55	62.23	31.37
Gross Loans	968.95	904.03	798.62	736.75	673.18	632.19
Allowance for Loan Losses	-35.52	-34.7	-30.48	-30.72	-34.37	-43.57
Other Adjustments to Gross Loans	-0.33	-0.48	-0.96	-1.21	-1.27	-1.7
Net Loans	933.11	868.85	767.18	704.83	637.54	586.92
Property, Plant & Equipment	5.47	6.34	5.88	6.26	8.94	7.89
Other Intangible Assets	1.16	1.1	0.86	0.92	0.85	0.9
Investments in Real Estate	40.59	43	46.92	42.01	52.95	50.5
Other Receivables	4.88	0.39	0.35	2.73	0.73	-
Restricted Cash	221.92	267.21	406.26	457.24	236.1	200.96
Other Current Assets	9.03	6.81	10.08	21.49	20.95	10.7
Long-Term Deferred Tax Assets	0.17	0.2	0.14	0.14	-	-
Other Long-Term Assets	5.4	18.02	16.76	18.87	17.07	34.45
Total Assets	1,453	1,407	1,427	1,358	1,125	955.46
Accounts Payable	-	0.92	0.9	1.6	1.59	-
Accrued Expenses	-	0.51	0.48	0.45	0.39	-
Interest Bearing Deposits	454.44	451.93	370.88	357.92	345.48	379.54
Non-Interest Bearing Deposits	752.33	722.18	856.87	820.3	630.58	435.79
Total Deposits	1,207	1,174	1,228	1,178	976.06	815.33
Current Portion of Long-Term Debt	-	3.89	4.66	2.38	2.12	-
Current Portion of Leases	-	1.74	0.61	1.72	1.06	-
Current Income Taxes Payable	0.01	0.06	0.59	0.75	0.21	0.21
Long-Term Debt	32.56	30	15	21.81	14.02	19.49
Long-Term Leases	-	2.54	3.77	3.36	3.12	-
Pension & Post-Retirement Benefits	-	0.45	0.44	0.4	0.15	-
Long-Term Deferred Tax Liabilities	-	-	-	-	0.09	0.06
Other Long-Term Liabilities	17.62	10.52	6.06	9.19	8.17	11.31
Total Liabilities	1,257	1,225	1,260	1,220	1,007	846.41
Common Stock	12.63	12.62	12.62	12.62	12.63	12.62
Additional Paid-In Capital	18.95	18.94	18.94	18.94	18.95	18.94
Retained Earnings	162.69	149.87	134.99	108.13	84.14	74.98
Comprehensive Income & Other	1.64	1.18	0.37	-1.22	2.55	2.51
Shareholders' Equity	195.9	182.61	166.93	138.47	118.26	109.05
Total Liabilities & Equity	1,453	1,407	1,427	1,358	1,125	955.46
Total Debt	32.56	38.18	24.04	29.26	20.32	19.49
Net Cash (Debt)	29.25	-8.4	-9.04	-17.35	68.07	13.3
Net Cash Growth	-	-	-	-	411.92%	-89.21%
Net Cash Per Share	1.18	-0.34	-0.37	-0.70	2.76	0.54
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	7.93	7.40	6.76	5.61	4.79	4.42
Tangible Book Value	194.74	181.51	166.08	137.54	117.41	108.15
Tangible Book Value Per Share	7.89	7.35	6.73	5.57	4.76	4.38

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