Bulgarian-American Credit Bank AD (BUL:BACB)

BUL:BACB Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	28.82	14.26	11.3	87.87	31.77
Investment Securities	164.97	156.7	91.94	61.72	30.36
Trading Asset Securities	1.03	0.74	0.61	0.51	1.02
Total Investments	166	157.44	92.55	62.23	31.37
Gross Loans	906.35	798.59	736.75	673.18	632.19
Allowance for Loan Losses	-31.05	-30.48	-30.72	-34.37	-43.57
Other Adjustments to Gross Loans	-0.48	-0.96	-1.21	-1.27	-1.7
Net Loans	874.82	767.15	704.83	637.54	586.92
Property, Plant & Equipment	6.35	5.88	6.26	8.94	7.89
Other Intangible Assets	1.11	0.85	0.92	0.85	0.9
Investments in Real Estate	43.8	46.92	42.01	52.95	50.5
Other Receivables	-	0.35	2.73	0.73	-
Restricted Cash	267.9	406.24	457.24	236.1	200.96
Other Current Assets	4.56	11.16	21.49	20.95	10.7
Long-Term Deferred Tax Assets	0.13	0.14	0.14	-	-
Other Long-Term Assets	21.83	16.76	18.87	17.07	34.45
Total Assets	1,415	1,427	1,358	1,125	955.46
Accounts Payable	-	0.9	1.6	1.59	-
Accrued Expenses	-	0.46	0.45	0.39	-
Interest Bearing Deposits	453.09	370.87	357.92	345.48	379.54
Non-Interest Bearing Deposits	724.03	856.84	820.3	630.58	435.79
Total Deposits	1,177	1,228	1,178	976.06	815.33
Current Portion of Long-Term Debt	-	1.49	2.38	2.12	-
Current Portion of Leases	-	0.61	1.72	1.06	-
Current Income Taxes Payable	0.43	0.59	0.75	0.21	0.21
Long-Term Debt	33.98	18.17	21.81	14.02	19.49
Long-Term Leases	-	3.77	3.36	3.12	-
Pension & Post-Retirement Benefits	-	0.44	0.4	0.15	-
Long-Term Deferred Tax Liabilities	-	-	-	0.09	0.06
Other Long-Term Liabilities	16.73	6.08	9.19	8.17	11.31
Total Liabilities	1,228	1,260	1,220	1,007	846.41
Common Stock	12.66	12.62	12.62	12.63	12.62
Additional Paid-In Capital	18.99	18.94	18.94	18.95	18.94
Retained Earnings	154.25	134.99	108.13	84.14	74.98
Comprehensive Income & Other	1.18	0.37	-1.22	2.55	2.51
Shareholders' Equity	187.07	166.93	138.47	118.26	109.05
Total Liabilities & Equity	1,415	1,427	1,358	1,125	955.46
Total Debt	33.98	24.04	29.26	20.32	19.49
Net Cash (Debt)	-4.12	-9.04	-17.35	68.07	13.3
Net Cash Growth	-	-	-	411.92%	-89.21%
Net Cash Per Share	-0.17	-0.37	-0.70	2.76	0.54
Filing Date Shares Outstanding	24.69	24.69	24.69	24.69	24.69
Total Common Shares Outstanding	24.69	24.69	24.69	24.69	24.69
Book Value Per Share	7.58	6.76	5.61	4.79	4.42
Tangible Book Value	185.97	166.07	137.54	117.41	108.15
Tangible Book Value Per Share	7.53	6.73	5.57	4.76	4.38

Source: S&P Global Market Intelligence. Banks template. Financial Sources.