Central Cooperative Bank AD (BUL:CCB)

BUL:CCB Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	235.91	242.02	201.13	147.16	130.3
Interest Paid on Deposits	14.6	10.17	7.37	11.41	16.05
Net Interest Income	221.31	231.86	193.77	135.75	114.25
Net Interest Income Growth (YoY)	-4.55%	19.66%	42.74%	18.82%	-3.53%
Gain (Loss) on Sale of Investments	7.78	4.25	11.67	4.2	8.15
Other Non-Interest Income	56.97	60.31	64.18	61.93	60.81
Total Non-Interest Income	64.75	64.56	75.85	66.14	68.96
Non-Interest Income Growth (YoY)	0.29%	-14.87%	14.68%	-4.10%	21.28%
Revenues Before Loan Losses	286.06	296.42	269.61	201.88	183.21
Provision for Loan Losses	3.39	9.57	9.61	2.79	6.82
Revenue	282.67	286.86	260	199.09	176.39
Revenue Growth (YoY)	-1.46%	10.33%	30.59%	12.87%	4.30%
Other Non-Interest Expense	187.4	179.92	164.32	156.8	146.94
Total Non-Interest Expense	187.4	179.92	164.32	156.8	146.94
EBT Excluding Unusual Items	95.27	106.94	95.68	42.29	29.45
Asset Writedown	-0.02	-0	-0.1	-0.01	-0.01
Pretax Income	95.25	106.93	95.58	42.29	29.45
Income Tax Expense	8.47	10.03	9.14	3.6	2.45
Earnings From Continuing Operations	86.78	96.9	86.45	38.69	27
Minority Interest in Earnings	-0.04	-0.14	-0.17	-0.04	0.01
Net Income	86.74	96.76	86.28	38.65	27
Net Income to Common	86.74	96.76	86.28	38.65	27
Net Income Growth	-10.35%	12.15%	123.22%	43.14%	24.26%
Basic Shares Outstanding	128	127	127	129	129
Diluted Shares Outstanding	133	135	135	129	129
Shares Change (YoY)	-1.17%	-	4.80%	0.19%	-5.33%
EPS (Basic)	0.68	0.76	0.68	0.30	0.21
EPS (Diluted)	0.65	0.72	0.64	0.30	0.21
EPS Growth	-10.15%	12.30%	114.72%	42.86%	31.25%
Effective Tax Rate	8.89%	9.38%	9.56%	8.51%	8.32%

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