Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	64.33	138.11	157.48	276.42	11.3	87.87
Investment Securities	176.41	138.96	164.55	156.71	91.94	61.72
Trading Asset Securities	1.38	1.04	1.03	0.74	0.61	0.51
Total Investments	177.79	140	165.58	157.44	92.55	62.23
Gross Loans	1,234	1,003	904.03	798.62	736.75	673.18
Allowance for Loan Losses	-45.14	-42.06	-34.7	-30.48	-30.72	-34.37
Other Adjustments to Gross Loans	-1.44	-0.38	-0.48	-0.96	-1.21	-1.27
Net Loans	1,188	960.9	868.85	767.18	704.83	637.54
Property, Plant & Equipment	5.97	4.75	6.34	5.88	6.26	8.94
Other Intangible Assets	1.65	0.96	1.1	0.86	0.92	0.85
Investments in Real Estate	33.99	32.37	43	46.92	42.01	52.95
Other Receivables	-	0.33	0.39	0.35	2.73	0.73
Restricted Cash	234.33	129.44	138.48	144.09	457.24	236.1
Other Current Assets	12.24	13.05	6.81	10.08	21.49	20.95
Long-Term Deferred Tax Assets	0.16	0.17	0.2	0.14	0.14	-
Other Long-Term Assets	64.65	35.37	18.02	16.76	18.87	17.07
Total Assets	1,783	1,456	1,407	1,427	1,358	1,125

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	1.26	0.92	0.9	1.6	1.59
Accrued Expenses	-	0.54	0.51	0.48	0.45	0.39
Interest Bearing Deposits	572.34	396.17	451.93	370.88	357.92	345.48
Non-Interest Bearing Deposits	942.67	809.04	722.18	856.87	820.3	630.58
Total Deposits	1,515	1,205	1,174	1,228	1,178	976.06
Current Portion of Long-Term Debt	1.75	2.81	3.89	4.66	2.38	2.12
Current Portion of Leases	-	1.73	1.74	0.61	1.72	1.06
Current Income Taxes Payable	0.03	0	0.06	0.59	0.75	0.21
Long-Term Debt	30.11	30	30	15	21.81	14.02
Long-Term Leases	-	1.23	2.54	3.77	3.36	3.12
Pension & Post-Retirement Benefits	-	0.51	0.45	0.44	0.4	0.15
Long-Term Deferred Tax Liabilities	0.03	-	-	-	-	0.09
Other Long-Term Liabilities	19.65	11.91	10.52	6.06	9.19	8.17
Total Liabilities	1,567	1,255	1,225	1,260	1,220	1,007

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	12.59	12.62	12.62	12.62	12.62	12.63
Additional Paid-In Capital	18.94	18.94	18.94	18.94	18.94	18.95
Retained Earnings	183.52	168.14	149.87	134.99	108.13	84.14
Comprehensive Income & Other	1	1.54	1.18	0.37	-1.22	2.55
Shareholders' Equity	216.05	201.25	182.61	166.93	138.47	118.26
Total Liabilities & Equity	1,783	1,456	1,407	1,427	1,358	1,125

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	31.86	35.77	38.18	24.04	29.26	20.32
Net Cash (Debt)	33.85	103.39	120.34	253.12	-17.35	68.07
Net Cash Growth	15.70%	-14.09%	-52.46%	-	-	411.92%
Net Cash Per Share	1.37	4.19	4.87	10.25	-0.70	2.76
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	8.75	8.15	7.40	6.76	5.61	4.79
Tangible Book Value	214.41	200.29	181.51	166.08	137.54	117.41
Tangible Book Value Per Share	8.68	8.11	7.35	6.73	5.57	4.76

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 22, 2026

Data Sources Report a data error