Bulgarian-American Credit Bank AD (BUL:BACB)
Bulgaria · Delayed Price · Currency is BGN · Price in EUR 6.05
+0.45 (8.04%)
At close: Aug 14, 2026
BUL:BACB Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Interest Income on Loans | 61.62 | 54.9 | 61.05 | 51.16 | 28.74 | 25.52 |
Interest Income on Investments | 0.08 | 0.08 | 0.02 | 0.02 | 0.01 | 0.01 |
Total Interest Income | 61.71 | 54.98 | 61.08 | 51.17 | 28.75 | 25.53 |
Interest Paid on Deposits | 9.53 | 9.75 | 9.16 | 3.36 | 2.08 | 2.68 |
Net Interest Income | 52.18 | 45.22 | 51.92 | 47.81 | 26.67 | 22.85 |
Net Interest Income Growth | 10.36% | -12.89% | 8.58% | 79.26% | 16.71% | 6.16% |
Gain (Loss) on Sale of Assets | -0.88 | -0.88 | -0.07 | -0.25 | 7.4 | -0.11 |
Gain (Loss) on Sale of Investments | 0.09 | 0.16 | 0.24 | 0.1 | 0.08 | 0.15 |
Gain (Loss) on Sale of Equity Investments | - | - | - | -0.06 | -0.02 | -0.05 |
Other Non-Interest Income | 13.39 | 11.33 | 8.91 | 8.98 | 10.47 | 8.09 |
Total Non-Interest Income | 12.6 | 10.6 | 9.08 | 8.76 | 17.93 | 8.08 |
Non-Interest Income Growth | 25.19% | 16.79% | 3.61% | -51.11% | 121.76% | 10.26% |
Revenues Before Loan Losses | 64.77 | 55.83 | 60.99 | 56.58 | 44.6 | 30.94 |
Provision for Loan Losses | 14.74 | 11.31 | 8.56 | 4.3 | 2.84 | 4.4 |
| 50.04 | 44.52 | 52.44 | 52.27 | 41.76 | 26.53 | |
Revenue Growth | 6.14% | -15.10% | 0.31% | 25.18% | 57.38% | 10.49% |
Salaries and Employee Benefits | 13.9 | 10.9 | 9.65 | 8.46 | 7.34 | 6.51 |
Occupancy Expenses | 3.03 | 2.58 | 2.41 | 2.29 | 1.89 | 1.87 |
Selling, General & Administrative | 14.07 | 10.63 | 11.64 | 9.2 | 8.14 | 7.78 |
Total Non-Interest Expense | 31 | 24.11 | 23.7 | 19.95 | 17.36 | 16.16 |
EBT Excluding Unusual Items | 19.04 | 20.4 | 28.74 | 32.33 | 24.4 | 10.38 |
Asset Writedown | -0.08 | -0.08 | -0.95 | -0.71 | -0.46 | -0.09 |
Pretax Income | 22.69 | 20.32 | 27.79 | 31.62 | 23.94 | 10.29 |
Income Tax Expense | 1.87 | 2.05 | 2.81 | 3.18 | 2.39 | 1.04 |
Earnings From Continuing Operations | 20.82 | 18.27 | 24.98 | 28.44 | 21.54 | 9.25 |
Earnings From Discontinued Operations | - | - | - | - | - | -0 |
Net Income | 20.82 | 18.27 | 24.98 | 28.44 | 21.54 | 9.24 |
Net Income to Common | 20.82 | 18.27 | 24.98 | 28.44 | 21.54 | 9.24 |
Net Income Growth | -10.30% | -26.86% | -12.18% | 32.02% | 133.11% | 31.75% |
Basic Shares Outstanding | 25 | 25 | 25 | 25 | 25 | 25 |
Diluted Shares Outstanding | 25 | 25 | 25 | 25 | 25 | 25 |
Shares Change | - | - | - | - | - | 0.00% |
EPS (Basic) | 0.84 | 0.74 | 1.01 | 1.15 | 0.87 | 0.37 |
EPS (Diluted) | 0.84 | 0.74 | 1.01 | 1.15 | 0.87 | 0.37 |
EPS Growth | - | -26.86% | -12.18% | 32.02% | 133.11% | 31.75% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | 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 |
Dividend Per Share | - | - | - | 0.409 | 0.051 | - |
Dividend Growth | - | - | - | 700.16% | - | - |
Effective Tax Rate | 8.25% | 10.09% | 10.10% | 10.04% | 9.99% | 10.13% |