Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	45.16	48.73	55.63	42.15	18.07	13.72
Depreciation & Amortization	4.84	4.71	4.48	3.7	3.65	3.65
Gain (Loss) on Sale of Assets	0.01	0.01	0.15	-0.15	0.06	-
Gain (Loss) on Sale of Investments	29.87	16.16	8.28	0.04	0.24	0.67
Total Asset Writedown	-0.38	-	-	-	-	-0.27
Provision for Credit Losses	-13.1	-	-	5.52	8.52	8.87
Change in Trading Asset Securities	0	0.01	-0.01	0.05	1.35	-
Change in Other Net Operating Assets	-210.93	-195.69	-96.01	-158.65	-110.31	-163.64
Other Operating Activities	-0.49	0.06	0.62	1.62	-0.16	-0.4
Operating Cash Flow	-145.02	-126	-26.74	-105.69	-78.47	-137.28
Capital Expenditures	-2.6	-2.78	-1.73	-0.66	-0.51	-1.28
Sale of Property, Plant and Equipment	0.01	0.02	0.02	0.08	0.03	0
Investment in Securities	-43.12	-7.86	-124.33	-64.02	-52.71	-9.54
Income (Loss) Equity Investments	-	-	0.13	0.04	0.09	0.1
Purchase / Sale of Intangibles	-	-	-	-0.57	-	-
Investing Cash Flow	-44.39	-8.1	-120.5	-44.72	-46.57	-7.42
Long-Term Debt Issued	-	29.26	-	29.37	-	-
Long-Term Debt Repaid	-	-6.71	-12.48	-15.97	-8.83	-6.39
Net Debt Issued (Repaid)	22.56	22.55	-12.48	13.41	-8.83	-6.39
Common Dividends Paid	-19.77	-19.7	-2.47	-	-	-
Net Increase (Decrease) in Deposit Accounts	89.79	-115.75	101.73	386.02	301.93	196.19
Financing Cash Flow	92.58	-112.9	86.79	399.42	293.1	189.81
Foreign Exchange Rate Adjustments	-0.42	3.09	-0.75	5.38	5.14	-3.87
Net Cash Flow	-97.25	-243.91	-61.21	254.39	173.2	41.23
Free Cash Flow	-147.63	-128.78	-28.47	-106.35	-78.98	-138.56
Free Cash Flow Margin	-149.88%	-125.89%	-27.85%	-130.18%	-152.21%	-294.92%
Free Cash Flow Per Share	-5.98	-5.22	-1.15	-4.31	-3.20	-5.61
Cash Interest Paid	15.65	14.28	5.15	4.82	5.82	-
Cash Income Tax Paid	6.82	6.8	6.79	3.8	1.97	1.12

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