Texim Bank AD Income Statement

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

Millions BGN. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	19.81	18.27	16.53	11.76	11.71
Interest Income on Investments	0.05	0.07	0.03	0.06	0.06
Total Interest Income	19.85	18.34	16.56	11.82	11.77
Interest Paid on Deposits	2.21	1.24	0.87	1.34	1.62
Net Interest Income	17.65	17.09	15.69	10.47	10.15
Net Interest Income Growth (YoY)	3.23%	8.94%	49.81%	3.21%	14.42%
Gain (Loss) on Sale of Assets	0.07	0.23	0.03	-0.14	-0.02
Gain (Loss) on Sale of Investments	3.76	3.99	2.41	2.64	2.47
Other Non-Interest Income	6	3.48	3.83	3.43	3.36
Total Non-Interest Income	9.84	7.7	6.27	5.93	5.81
Non-Interest Income Growth (YoY)	27.80%	22.83%	5.74%	2.10%	-6.90%
Revenues Before Loan Losses	27.48	24.79	21.96	16.4	15.95
Provision for Loan Losses	-0.12	0.31	0.6	0.06	0.05
Revenue	27.61	24.48	21.36	16.34	15.9
Revenue Growth (YoY)	12.76%	14.61%	30.70%	2.79%	4.68%
Occupancy Expenses	3.93	3.74	3.79	3.76	3.75
Selling, General & Administrative	20.66	18.36	15.62	13.9	12.41
Other Non-Interest Expense	-0.03	0.03	0.01	-0	0.09
Total Non-Interest Expense	24.57	22.14	19.42	17.65	16.26
EBT Excluding Unusual Items	3.04	2.34	1.94	-1.31	-0.36
Asset Writedown	0.44	0.19	0.49	1.81	0.68
Pretax Income	3.47	2.53	2.43	0.5	0.33
Income Tax Expense	0.84	-0.03	0.05	0.19	0
Net Income	2.63	2.56	2.38	0.32	0.33
Net Income to Common	2.63	2.56	2.38	0.32	0.33
Net Income Growth	2.77%	7.52%	655.87%	-3.08%	153.91%
Basic Shares Outstanding	37	35	31	28	28
Diluted Shares Outstanding	37	35	31	28	28
Shares Change (YoY)	7.53%	12.52%	10.27%	-	-
EPS (Basic)	0.07	0.07	0.08	0.01	0.01
EPS (Diluted)	0.07	0.07	0.08	0.01	0.01
EPS Growth	-4.43%	-4.44%	585.52%	-3.08%	153.91%
Effective Tax Rate	24.24%	-	2.10%	37.38%	0.61%