Central Cooperative Bank AD (BUL:CCB)

BUL:CCB Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	242.02	201.13	147.16	130.3	135.8
Interest Paid on Deposits	10.06	7.25	11.41	16.05	17.37
Net Interest Income	231.97	193.88	135.75	114.25	118.43
Net Interest Income Growth (YoY)	19.64%	42.82%	18.82%	-3.53%	-6.15%
Gain (Loss) on Sale of Investments	4.33	11.67	4.2	8.15	14.56
Other Non-Interest Income	60.3	64.17	61.93	60.81	42.31
Total Non-Interest Income	64.63	75.84	66.14	68.96	56.86
Non-Interest Income Growth (YoY)	-14.78%	14.68%	-4.10%	21.28%	-15.50%
Revenues Before Loan Losses	296.6	269.73	201.88	183.21	175.29
Provision for Loan Losses	9.57	9.46	2.79	6.82	6.19
Revenue	287.04	260.27	199.09	176.39	169.11
Revenue Growth (YoY)	10.28%	30.73%	12.87%	4.30%	-8.85%
Other Non-Interest Expense	179.73	164.26	156.8	146.94	144.87
Total Non-Interest Expense	179.73	164.26	156.8	146.94	144.87
EBT Excluding Unusual Items	107.31	96.01	42.29	29.45	24.24
Asset Writedown	-	-	-0.01	-0.01	-0.01
Pretax Income	107.31	96.01	42.29	29.45	24.24
Income Tax Expense	10.08	9.15	3.6	2.45	2.43
Earnings From Continuing Operations	97.23	86.86	38.69	27	21.81
Minority Interest in Earnings	-0.18	-0.22	-0.04	0.01	-0.07
Net Income	97.05	86.64	38.65	27	21.73
Net Income to Common	97.05	86.64	38.65	27	21.73
Net Income Growth	12.01%	124.17%	43.14%	24.26%	-37.09%
Basic Shares Outstanding	137	127	129	129	128
Diluted Shares Outstanding	141	127	129	129	136
Shares Change (YoY)	10.38%	-1.10%	0.19%	-5.33%	-5.64%
EPS (Basic)	0.71	0.68	0.30	0.21	0.17
EPS (Diluted)	0.69	0.68	0.30	0.21	0.16
EPS Growth	1.47%	126.67%	42.86%	31.25%	-33.33%
Effective Tax Rate	9.40%	9.53%	8.51%	8.32%	10.03%

Updated Feb 28, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.