Texim Bank AD 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	19.31	18.27	16.53	11.76	11.71	10.56
Interest Income on Investments	0.09	0.07	0.03	0.06	0.06	0.04
Total Interest Income	19.41	18.34	16.56	11.82	11.77	10.6
Interest Paid on Deposits	2.15	1.24	0.87	1.34	1.62	1.73
Net Interest Income	17.26	17.09	15.69	10.47	10.15	8.87
Net Interest Income Growth (YoY)	-0.92%	8.94%	49.81%	3.21%	14.42%	-11.29%
Gain (Loss) on Sale of Assets	0.23	0.23	0.03	-0.14	-0.02	1.08
Gain (Loss) on Sale of Investments	4.47	3.99	2.41	2.64	2.47	2.47
Other Non-Interest Income	4.43	3.48	3.83	3.43	3.36	2.68
Total Non-Interest Income	9.13	7.7	6.27	5.93	5.81	6.24
Non-Interest Income Growth (YoY)	53.89%	22.83%	5.74%	2.10%	-6.90%	16.00%
Revenues Before Loan Losses	26.39	24.79	21.96	16.4	15.95	15.1
Provision for Loan Losses	0.35	0.31	0.6	0.06	0.05	-0.09
Revenue	26.04	24.48	21.36	16.34	15.9	15.19
Revenue Growth (YoY)	13.55%	14.61%	30.70%	2.79%	4.68%	-4.23%
Occupancy Expenses	3.8	3.74	3.79	3.76	3.75	3.77
Selling, General & Administrative	19.48	18.36	15.62	13.9	12.41	11.9
Other Non-Interest Expense	-0.02	0.03	0.01	-0	0.09	-0.11
Total Non-Interest Expense	23.26	22.14	19.42	17.65	16.26	15.56
EBT Excluding Unusual Items	2.78	2.34	1.94	-1.31	-0.36	-0.37
Asset Writedown	-0.05	0.19	0.49	1.81	0.68	0.53
Pretax Income	2.73	2.53	2.43	0.5	0.33	0.16
Income Tax Expense	-0.03	-0.03	0.05	0.19	0	0.03
Net Income	2.76	2.56	2.38	0.32	0.33	0.13
Net Income to Common	2.76	2.56	2.38	0.32	0.33	0.13
Net Income Growth	12.30%	7.52%	655.87%	-3.08%	153.91%	-67.92%
Basic Shares Outstanding	35	35	31	28	28	28
Diluted Shares Outstanding	35	35	31	28	28	28
Shares Change (YoY)	-18.69%	12.52%	10.27%	-	-	-
EPS (Basic)	0.08	0.07	0.08	0.01	0.01	0.00
EPS (Diluted)	0.08	0.07	0.08	0.01	0.01	0.00
EPS Growth	38.11%	-4.44%	585.52%	-3.08%	153.91%	-67.92%
Effective Tax Rate	-	-	2.10%	37.38%	0.61%	20.99%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.