Texim Bank AD (BUL: TXIM)

Texim Bank AD Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	18.18	16.53	11.76	11.71	10.56	10.99
Interest Income on Investments	0.06	0.03	0.06	0.06	0.04	0.49
Total Interest Income	18.24	16.56	11.82	11.77	10.6	11.48
Interest Paid on Deposits	1.02	0.87	1.34	1.62	1.73	1.48
Net Interest Income	17.23	15.69	10.47	10.15	8.87	10
Net Interest Income Growth (YoY)	21.07%	49.81%	3.21%	14.42%	-11.28%	29.00%
Gain (Loss) on Sale of Assets	0.07	0.03	-0.14	-0.02	1.08	0.02
Gain (Loss) on Sale of Investments	2.57	2.41	2.64	2.47	2.47	2.49
Other Non-Interest Income	4.04	3.83	3.43	3.36	2.68	2.87
Total Non-Interest Income	6.68	6.27	5.93	5.81	6.24	5.38
Non-Interest Income Growth (YoY)	10.30%	5.74%	2.10%	-6.90%	16.00%	-15.47%
Revenues Before Loan Losses	23.91	21.96	16.4	15.95	15.1	15.37
Provision for Loan Losses	0.55	0.6	0.06	0.05	-0.09	-0.49
Revenue	23.36	21.36	16.34	15.9	15.19	15.86
Revenue Growth (YoY)	15.08%	30.70%	2.79%	4.68%	-4.23%	10.22%
Occupancy Expenses	3.74	3.79	3.76	3.75	3.77	3.5
Selling, General & Administrative	17.43	15.62	13.9	12.41	11.9	12.55
Other Non-Interest Expense	0.02	0.01	-0	0.09	-0.11	0.02
Total Non-Interest Expense	21.2	19.42	17.65	16.26	15.56	16.06
EBT Excluding Unusual Items	2.16	1.94	-1.31	-0.36	-0.37	-0.2
Asset Writedown	0.24	0.49	1.81	0.68	0.53	0.64
Pretax Income	2.4	2.43	0.5	0.33	0.16	0.44
Income Tax Expense	0.05	0.05	0.19	0	0.03	0.04
Net Income	2.35	2.38	0.32	0.33	0.13	0.4
Net Income to Common	2.35	2.38	0.32	0.33	0.13	0.4
Net Income Growth	80.32%	655.87%	-3.08%	153.91%	-67.92%	97.52%
Basic Shares Outstanding	37	31	28	28	28	28
Diluted Shares Outstanding	37	31	28	28	28	28
Shares Change (YoY)	9.53%	10.27%	-	-	0.00%	-
EPS (Basic)	0.06	0.08	0.01	0.01	0.00	0.01
EPS (Diluted)	0.06	0.08	0.01	0.01	0.00	0.01
EPS Growth	64.64%	585.52%	-3.08%	153.92%	-67.92%	97.53%
Effective Tax Rate	2.13%	2.10%	37.38%	0.61%	20.99%	9.11%

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