BUL:BACB Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Equivalents	138.11	157.48	276.42	11.3	87.87
Investment Securities	138.96	164.55	156.71	91.94	61.72
Trading Asset Securities	1.04	1.03	0.74	0.61	0.51
Total Investments	140	165.58	157.44	92.55	62.23
Gross Loans	1,003	904.03	798.62	736.75	673.18
Allowance for Loan Losses	-42.06	-34.7	-30.48	-30.72	-34.37
Other Adjustments to Gross Loans	-0.38	-0.48	-0.96	-1.21	-1.27
Net Loans	960.9	868.85	767.18	704.83	637.54
Property, Plant & Equipment	4.75	6.34	5.88	6.26	8.94
Other Intangible Assets	0.96	1.1	0.86	0.92	0.85
Investments in Real Estate	32.37	43	46.92	42.01	52.95
Other Receivables	0.33	0.39	0.35	2.73	0.73
Restricted Cash	129.44	138.48	144.09	457.24	236.1
Other Current Assets	13.05	6.81	10.08	21.49	20.95
Long-Term Deferred Tax Assets	0.17	0.2	0.14	0.14	-
Other Long-Term Assets	35.37	18.02	16.76	18.87	17.07
Total Assets	1,456	1,407	1,427	1,358	1,125
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	396.17	451.93	370.88	357.92	345.48
Non-Interest Bearing Deposits	809.04	722.18	856.87	820.3	630.58
Total Deposits	1,205	1,174	1,228	1,178	976.06
Current Portion of Long-Term Debt	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	0.06	0.59	0.75	0.21
Long-Term Debt	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	-	-	-	-	0.09
Other Long-Term Liabilities	11.91	10.52	6.06	9.19	8.17
Total Liabilities	1,255	1,225	1,260	1,220	1,007
Common Stock	12.62	12.62	12.62	12.62	12.63
Additional Paid-In Capital	18.94	18.94	18.94	18.94	18.95
Retained Earnings	168.14	149.87	134.99	108.13	84.14
Comprehensive Income & Other	1.54	1.18	0.37	-1.22	2.55
Shareholders' Equity	201.25	182.61	166.93	138.47	118.26
Total Liabilities & Equity	1,456	1,407	1,427	1,358	1,125
Total Debt	35.77	38.18	24.04	29.26	20.32
Net Cash (Debt)	103.39	120.34	253.12	-17.35	68.07
Net Cash Growth	-14.09%	-52.46%	-	-	411.92%
Net Cash Per Share	4.19	4.87	10.25	-0.70	2.76
Filing Date Shares Outstanding	24.69	24.69	24.69	24.69	24.69
Total Common Shares Outstanding	24.69	24.69	24.69	24.69	24.69
Book Value Per Share	8.15	7.40	6.76	5.61	4.79
Tangible Book Value	200.29	181.51	166.08	137.54	117.41
Tangible Book Value Per Share	8.11	7.35	6.73	5.57	4.76

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