BUL:CCB Income Statement

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

Millions BGN. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	239.15	242.02	201.13	147.16	130.3	135.8
Interest Paid on Deposits	12.94	10.17	7.37	11.41	16.05	17.37
Net Interest Income	226.21	231.86	193.77	135.75	114.25	118.43
Net Interest Income Growth (YoY)	9.09%	19.66%	42.74%	18.82%	-3.53%	-6.15%
Gain (Loss) on Sale of Investments	6.08	4.25	11.67	4.2	8.15	14.56
Other Non-Interest Income	58.7	60.31	64.18	61.93	60.81	42.31
Total Non-Interest Income	64.78	64.56	75.85	66.14	68.96	56.86
Non-Interest Income Growth (YoY)	-13.05%	-14.87%	14.68%	-4.10%	21.28%	-15.50%
Revenues Before Loan Losses	290.99	296.42	269.61	201.88	183.21	175.29
Provision for Loan Losses	11.42	9.57	9.61	2.79	6.82	6.19
Revenue	279.57	286.86	260	199.09	176.39	169.11
Revenue Growth (YoY)	3.14%	10.33%	30.59%	12.87%	4.30%	-8.85%
Other Non-Interest Expense	185.09	179.92	164.32	156.8	146.94	144.87
Total Non-Interest Expense	185.09	179.92	164.32	156.8	146.94	144.87
EBT Excluding Unusual Items	94.49	106.94	95.68	42.29	29.45	24.24
Asset Writedown	-0	-0	-0.1	-0.01	-0.01	-0.01
Pretax Income	94.48	106.93	95.58	42.29	29.45	24.24
Income Tax Expense	8.81	10.03	9.14	3.6	2.45	2.43
Earnings From Continuing Operations	85.67	96.9	86.45	38.69	27	21.81
Minority Interest in Earnings	-0.1	-0.14	-0.17	-0.04	0.01	-0.07
Net Income	85.57	96.76	86.28	38.65	27	21.73
Net Income to Common	85.57	96.76	86.28	38.65	27	21.73
Net Income Growth	-8.68%	12.15%	123.22%	43.14%	24.26%	-37.09%
Basic Shares Outstanding	137	127	127	129	129	128
Diluted Shares Outstanding	148	135	135	129	129	136
Shares Change (YoY)	7.08%	-	4.80%	0.19%	-5.33%	-5.64%
EPS (Basic)	0.63	0.76	0.68	0.30	0.21	0.17
EPS (Diluted)	0.59	0.72	0.64	0.30	0.21	0.16
EPS Growth	-14.45%	12.30%	114.72%	42.86%	31.25%	-33.33%
Effective Tax Rate	9.33%	9.38%	9.56%	8.51%	8.32%	10.03%

Updated Mar 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.