Central Cooperative Bank AD (BUL: CCB)

CCB Income Statement

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

Fiscal Year	TTM	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018
Period Ending	Sep 30, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018
Interest Income on Loans	185.12	147.16	130.3	135.8	146.59	146.21
Interest Paid on Deposits	6.99	11.41	16.05	17.37	20.41	23.07
Net Interest Income	178.14	135.75	114.25	118.43	126.19	123.14
Net Interest Income Growth (YoY)	42.08%	18.82%	-3.53%	-6.15%	2.48%	-3.81%
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.05
Gain (Loss) on Sale of Investments	8.98	4.2	8.15	14.56	5.95	3.97
Other Non-Interest Income	65.37	61.93	60.81	42.31	61.34	53.2
Total Non-Interest Income	74.35	66.14	68.96	56.86	67.29	57.22
Non-Interest Income Growth (YoY)	27.85%	-4.10%	21.28%	-15.50%	17.60%	-26.86%
Revenues Before Loan Losses	252.49	201.88	183.21	175.29	193.48	180.36
Provision for Loan Losses	5.48	2.79	6.82	6.19	7.95	6.5
Revenue	247	199.09	176.39	169.11	185.53	173.86
Revenue Growth (YoY)	37.94%	12.87%	4.30%	-8.85%	6.72%	-1.01%
Other Non-Interest Expense	158.47	156.8	146.94	144.87	147.07	137.5
Total Non-Interest Expense	158.47	156.8	146.94	144.87	147.07	137.5
EBT Excluding Unusual Items	88.53	42.29	29.45	24.24	38.46	36.36
Asset Writedown	-0.01	-0.01	-0.01	-0.01	-	-
Pretax Income	94.16	42.29	29.45	24.24	38.46	36.36
Income Tax Expense	7.82	3.6	2.45	2.43	3.88	3.66
Earnings From Continuing Operations	86.34	38.69	27	21.81	34.58	32.7
Earnings From Discontinued Operations	-	-	-	-	-	19.78
Minority Interest in Earnings	-0.52	-0.04	0.01	-0.07	-0.04	2.21
Net Income	85.82	38.65	27	21.73	34.55	54.69
Net Income to Common	85.82	38.65	27	21.73	34.55	54.69
Net Income Growth	537.05%	43.14%	24.26%	-37.10%	-36.83%	52.25%
Basic Shares Outstanding	125	129	129	128	128	113
Diluted Shares Outstanding	127	129	129	136	144	113
Shares Change (YoY)	-3.83%	0.20%	-5.33%	-5.64%	27.21%	-
EPS (Basic)	0.69	0.30	0.21	0.17	0.27	0.48
EPS (Diluted)	0.68	0.30	0.21	0.16	0.24	0.48
EPS Growth	562.41%	42.86%	31.25%	-33.33%	-50.34%	52.25%
Effective Tax Rate	8.30%	8.51%	8.32%	10.03%	10.08%	10.07%

Source: S&P Capital IQ. Banks template. Financial Sources.