Bulgarian-American Credit Bank AD (BUL:BACB)
Bulgaria
· Delayed Price · Currency is BGN 10.50
0.00 (0.00%)
At close: Aug 14, 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 | Jun '25 Jun 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 | 2015 - 2019 |
| Interest Income on Loans | 57.25 | 61.05 | 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 | 57.28 | 61.08 | 51.17 | 28.75 | 25.53 | 24.68 | Upgrade
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| Interest Paid on Deposits | 10 | 9.16 | 3.36 | 2.08 | 2.68 | 3.15 | Upgrade
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| Net Interest Income | 47.28 | 51.92 | 47.81 | 26.67 | 22.85 | 21.53 | Upgrade
|
| Net Interest Income Growth (YoY) | -10.12% | 8.58% | 79.26% | 16.71% | 6.16% | 6.40% | Upgrade
|
| Gain (Loss) on Sale of Assets | -0.07 | -0.07 | -0.25 | 7.4 | -0.11 | - | Upgrade
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| Gain (Loss) on Sale of Investments | 0.39 | 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 | 9.74 | 8.91 | 8.98 | 10.47 | 8.09 | 6.98 | Upgrade
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| Total Non-Interest Income | 10.06 | 9.08 | 8.76 | 17.93 | 8.08 | 7.33 | Upgrade
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| Non-Interest Income Growth (YoY) | 18.35% | 3.61% | -51.11% | 121.76% | 10.26% | 30.21% | Upgrade
|
| Revenues Before Loan Losses | 57.34 | 60.99 | 56.58 | 44.6 | 30.94 | 28.86 | Upgrade
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| Provision for Loan Losses | 8.56 | 8.56 | 4.3 | 2.84 | 4.4 | 4.84 | Upgrade
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| Revenue | 48.79 | 52.44 | 52.27 | 41.76 | 26.53 | 24.02 | Upgrade
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| Revenue Growth (YoY) | -18.41% | 0.31% | 25.18% | 57.38% | 10.49% | 2.74% | Upgrade
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| Salaries and Employee Benefits | 9.6 | 9.06 | 7.9 | 7.34 | 6.51 | 6.04 | Upgrade
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| Occupancy Expenses | 2.54 | 2.41 | 2.29 | 1.89 | 1.87 | 1.87 | Upgrade
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| Selling, General & Administrative | 11.15 | 12.23 | 9.76 | 8.14 | 7.78 | 8.31 | Upgrade
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| Total Non-Interest Expense | 23.3 | 23.7 | 19.95 | 17.36 | 16.16 | 16.22 | Upgrade
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| EBT Excluding Unusual Items | 25.49 | 28.74 | 32.33 | 24.4 | 10.38 | 7.8 | Upgrade
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| Asset Writedown | 0.34 | -0.95 | -0.71 | -0.46 | -0.09 | - | Upgrade
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| Pretax Income | 25.83 | 27.79 | 31.62 | 23.94 | 10.29 | 7.8 | Upgrade
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| Income Tax Expense | 2.63 | 2.81 | 3.18 | 2.39 | 1.04 | 0.79 | Upgrade
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| Earnings From Continuing Operations | 23.21 | 24.98 | 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 | 23.21 | 24.98 | 28.44 | 21.54 | 9.24 | 7.01 | Upgrade
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| Net Income to Common | 23.21 | 24.98 | 28.44 | 21.54 | 9.24 | 7.01 | Upgrade
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| Net Income Growth | -23.45% | -12.18% | 32.02% | 133.11% | 31.75% | -4.17% | Upgrade
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| Basic Shares Outstanding | 25 | 25 | 25 | 25 | 25 | 25 | Upgrade
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| Diluted Shares Outstanding | 25 | 25 | 25 | 25 | 25 | 25 | Upgrade
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| Shares Change (YoY) | 0.00% | - | - | - | 0.00% | - | Upgrade
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| EPS (Basic) | 0.94 | 1.01 | 1.15 | 0.87 | 0.37 | 0.28 | Upgrade
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| EPS (Diluted) | 0.94 | 1.01 | 1.15 | 0.87 | 0.37 | 0.28 | Upgrade
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| EPS Growth | -23.45% | -12.18% | 32.02% | 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 | 10.16% | 10.10% | 10.04% | 9.99% | 10.13% | 10.07% | Upgrade
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Source: S&P Global Market Intelligence. Banks template. Financial Sources.