Bulgarian-American Credit Bank

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BACB's customer loans rose 9.81% to BGN 801 mil in 2017

By Helgi Library - September 3, 2018

Bulgarian-American Credit Bank's customer loans reached BGN 801 mil in 2017, up 9.81% compared to the previous year. Bulgarian ...

BACB's customer deposits rose 17.8% to BGN 1,060 mil in 2017

By Helgi Library - September 3, 2018

Bulgarian-American Credit Bank's customer deposits reached BGN 1,060 mil in 2017, up 17.8% compared to the previous year. Bulga...

BACB's customer loans rose 9.81% to BGN 801 mil in 2017

By Helgi Library - September 3, 2018

Bulgarian-American Credit Bank's customer loans reached BGN 801 mil in 2017, up 9.81% compared to the previous year. Bulgarian ...

Profit Statement 2015 2016 2017
Net Interest Income BGN mil 18.7 26.7 29.0
Net Fee Income BGN mil 4.88 5.26 5.78
Other Income BGN mil 1.48 3.26 -1.63
Total Revenues BGN mil 25.1 35.2 33.1
Operating Profit BGN mil 3.38 14.1 12.0
Provisions BGN mil 3.23 8.18 4.95
Net Profit BGN mil 0.627 6.02 7.87
Balance Sheet 2015 2016 2017
Customer Loans BGN mil 638 729 801
Total Assets BGN mil 1,014 1,071 1,240
Shareholders' Equity BGN mil 159 167 176
Interbank Borrowing BGN mil 0 0 0
Customer Deposits BGN mil 849 900 1,060
Issued Debt Securities BGN mil 0 0 0
Ratios 2015 2016 2017
ROE % 0.399 3.70 4.59
ROA % 0.069 0.577 0.681
Costs (As % Of Assets) % 2.37 2.02 1.83
Costs (As % Of Income) % 86.5 59.9 63.8
Net Interest Margin % 2.05 2.56 2.51
Loans (As % Of Deposits) % 75.2 81.0 75.5
Growth Rates 2015 2016 2017
Total Revenue Growth % 60.4 40.5 -6.02
Operating Cost Growth % 9.74 -2.77 0.232
Operating Profit Growth % -182 318 -15.3
Net Profit Growth % -107 860 30.7
Customer Loan Growth % 16.5 14.2 9.81
Total Asset Growth % 24.4 5.61 15.8
Customer Deposit Growth % 29.7 5.95 17.8
Shareholders' Equity Growth % 2.04 4.95 5.81

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