Bulgarian-American Credit Bank AD (BUL:BACB)
Bulgaria
· Delayed Price · Currency is BGN 8.90
+0.75 (9.20%)
At close: May 9, 2025
BUL:BACB Income Statement
Financials in millions EUR. Fiscal year is January - December.
Millions EUR. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '25 Mar 31, 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 | 2015 - 2019 |
| Interest Income on Loans | 59.14 | 61.21 | 51.16 | 28.74 | 25.52 | 24.66 | Upgrade
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| Interest Income on Investments | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | Upgrade
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| Total Interest Income | 59.17 | 61.23 | 51.17 | 28.75 | 25.53 | 24.68 | Upgrade
|
| Interest Paid on Deposits | 9.91 | 9.18 | 3.36 | 2.08 | 2.68 | 3.15 | Upgrade
|
| Net Interest Income | 49.26 | 52.05 | 47.81 | 26.67 | 22.85 | 21.53 | Upgrade
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| Net Interest Income Growth (YoY) | -4.15% | 8.86% | 79.25% | 16.71% | 6.16% | 6.40% | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | -0.09 | 7.4 | -0.11 | - | Upgrade
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| Gain (Loss) on Sale of Investments | 0.3 | 0.24 | 0.1 | 0.08 | 0.15 | 0.4 | Upgrade
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| Gain (Loss) on Sale of Equity Investments | - | - | -0.06 | -0.02 | -0.05 | -0.05 | Upgrade
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| Other Non-Interest Income | 9.31 | 8.6 | 8.82 | 10.47 | 8.09 | 6.98 | Upgrade
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| Total Non-Interest Income | 9.61 | 8.84 | 8.76 | 17.93 | 8.08 | 7.33 | Upgrade
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| Non-Interest Income Growth (YoY) | 14.51% | 0.93% | -51.12% | 121.76% | 10.26% | 30.21% | Upgrade
|
| Revenues Before Loan Losses | 58.87 | 60.89 | 56.57 | 44.6 | 30.94 | 28.86 | Upgrade
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| Provision for Loan Losses | 5.13 | 4.84 | 4.3 | 2.84 | 4.4 | 4.84 | Upgrade
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| Revenue | 53.74 | 56.05 | 52.27 | 41.76 | 26.53 | 24.02 | Upgrade
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| Revenue Growth (YoY) | -4.57% | 7.23% | 25.17% | 57.38% | 10.49% | 2.74% | Upgrade
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| Salaries and Employee Benefits | 9.86 | 9.67 | 8.46 | 7.34 | 6.51 | 6.04 | Upgrade
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| Occupancy Expenses | 2.47 | 2.42 | 2.29 | 1.89 | 1.87 | 1.87 | Upgrade
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| Selling, General & Administrative | 11.36 | 11.67 | 9.2 | 8.14 | 7.78 | 8.31 | Upgrade
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| Total Non-Interest Expense | 23.7 | 23.76 | 19.95 | 17.36 | 16.16 | 16.22 | Upgrade
|
| EBT Excluding Unusual Items | 30.04 | 32.29 | 32.32 | 24.4 | 10.38 | 7.8 | Upgrade
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| Asset Writedown | -0 | -0 | -0.71 | -0.46 | -0.09 | - | Upgrade
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| Pretax Income | 30.04 | 32.29 | 31.62 | 23.94 | 10.29 | 7.8 | Upgrade
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| Income Tax Expense | 3.02 | 3.26 | 3.18 | 2.39 | 1.04 | 0.79 | Upgrade
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| Earnings From Continuing Operations | 27.02 | 29.03 | 28.44 | 21.54 | 9.25 | 7.01 | Upgrade
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| Earnings From Discontinued Operations | - | - | - | - | -0 | - | Upgrade
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| Net Income | 27.02 | 29.03 | 28.44 | 21.54 | 9.24 | 7.01 | Upgrade
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| Net Income to Common | 27.02 | 29.03 | 28.44 | 21.54 | 9.24 | 7.01 | Upgrade
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| Net Income Growth | -13.53% | 2.08% | 32.01% | 133.11% | 31.75% | -4.17% | Upgrade
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| Basic Shares Outstanding | - | 25 | 25 | 25 | 25 | 25 | Upgrade
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| Diluted Shares Outstanding | - | 25 | 25 | 25 | 25 | 25 | Upgrade
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| Shares Change (YoY) | - | - | - | - | 0.00% | - | Upgrade
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| EPS (Basic) | - | 1.18 | 1.15 | 0.87 | 0.37 | 0.28 | Upgrade
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| EPS (Diluted) | - | 1.18 | 1.15 | 0.87 | 0.37 | 0.28 | Upgrade
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| EPS Growth | - | 2.08% | 32.01% | 133.11% | 31.75% | -4.17% | Upgrade
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| Dividend Per Share | - | - | 0.409 | 0.051 | - | - | Upgrade
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| Dividend Growth | - | - | 700.16% | - | - | - | Upgrade
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| Effective Tax Rate | 10.04% | 10.09% | 10.04% | 9.99% | 10.13% | 10.07% | Upgrade
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Source: S&P Global Market Intelligence. Banks template. Financial Sources.