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Bulgarian-American Credit Bank

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Bulgarian-American Credit Bank

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summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

        17.2 2.25 6.17 12.3 18.7    
        22.8 7.74 9.01 15.6 25.1    
        8.71 -9.19 -9.17 -4.14 3.38    
        -34.2 -18.7 -16.0 -8.94 0.627    

balance sheet

        599 602 509 548 638    
        7.61 42.7 44.2 29.5 70.6    
        749 828 778 815 1,014    
        201 178 166 156 159    
        0.000 0.000 0.000 0.000 0.000    
        546 647 608 655 849    
        0.000 0.000 0.000 0.000 0.000    

ratios

        -17.4% -9.87% -9.30% -5.56% 0.399%    
        -4.60% -2.37% -1.99% -1.12% 0.069%    
        1.89% 2.15% 2.26% 2.48% 2.37%    
        61.8% 219% 202% 127% 86.5%    
        2.31% 0.285% 0.768% 1.54% 2.05%    
        75.3% 29.1% 68.5% 78.6% 74.6%    
        2.51% 15.8% 24.2% 20.9% 19.5%    
        26.8% 21.5% 21.3% 19.1% 15.7%    
        110% 93.1% 83.7% 83.7% 75.2%    
        80.0% 72.7% 65.4% 67.2% 62.9%    

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income statement Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income BGN mil
Interest Cost BGN mil
Net Interest Income BGN mil
Net Fee Income BGN mil
Other Income BGN mil
Total Revenues BGN mil
Depreciation BGN mil
Operating Cost BGN mil
Operating Profit BGN mil
Provisions BGN mil
Extra and Other Cost BGN mil
Pre-Tax Profit BGN mil
Tax BGN mil
Minorities BGN mil
Net Profit BGN mil
        47.6 35.1 33.8 32.8 37.1    
        30.5 32.9 27.6 20.5 18.4    
        17.2 2.25 6.17 12.3 18.7    
        0.571 1.22 2.18 3.27 4.88    
        5.07 4.27 0.663 0.070 1.48    
        22.8 7.74 9.01 15.6 25.1    
        1.14 1.60 2.09 2.36 2.43    
        14.1 16.9 18.2 19.8 21.7    
        8.71 -9.19 -9.17 -4.14 3.38    
        43.1 12.2 6.63 4.79 3.23    
        -0.224 -2.48 0.220 -0.004 -0.393    
        -34.2 -18.9 -16.0 -8.93 0.542    
        0.023 -0.219 -0.020 0.006 -0.085    
        0.000 0.000 0.000 0.000 0.000    
        -34.2 -18.7 -16.0 -8.94 0.627    

growth rates

...       -65.4% -86.9% 174% 99.3% 52.3%    
...       -25.5% 114% 78.3% 50.1% 49.2%    
...       -55.5% -66.0% 16.3% 73.5% 60.4%    
...       -11.6% 20.2% 7.37% 8.77% 9.74%    
...       -75.3% -205% -0.174% -54.8% -182%    
...       136% -44.7% -15.3% -44.2% -106%    
...       138% -45.4% -14.4% -44.1% -107%    

market share

        0.580% 0.203% 0.243% 0.401% 0.608%    
      ... ... ... ... ... 0.070%    

Download Data
balance sheet Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

        72.4 93.6 86.0 108 157    
        599 602 509 548 638    
        7.61 42.7 44.2 29.5 70.6    
        41.0 66.3 71.7 79.0 99.0    
        749 828 778 815 1,014    
        201 178 166 156 159    
        0.000 0.000 0.000 0.000 0.000    
        549 650 612 660 856    
        0.000 0.000 0.000 0.000 0.000    
        546 647 608 655 849    
        0.000 0.000 0.000 0.000 0.000    
        0.000 0.000 0.000 0.000 0.000    

growth rates

...       -2.03% 0.451% -15.5% 7.74% 16.5%    
...       1.60% 10.5% -6.11% 4.83% 24.4%    
...       4.66% -11.2% -7.02% -6.07% 2.04%    
...       0.466% 18.5% -6.03% 7.77% 29.7%    

market share

        1.11% 1.08% 0.911% 1.06% 1.26%    
        1.25% 1.28% 1.12% 1.16% 1.33%    
        1.02% 1.12% 0.967% 1.02% 1.27%    

Download Data
ratios Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

        -17.4% -9.87% -9.30% -5.56% 0.399%    
        -4.60% -2.37% -1.99% -1.12% 0.069%    
        1.89% 2.15% 2.26% 2.48% 2.37%    
        61.8% 219% 202% 127% 86.5%    
        2.31% 0.285% 0.768% 1.54% 2.05%    
...       0.840% -1.03% -0.169% 0.893% 1.63%    
        6.40% 4.45% 4.21% 4.12% 4.06%    
...       5.56% 5.48% 4.38% 3.22% 2.43%    
        75.3% 29.1% 68.5% 78.6% 74.6%    
        2.51% 15.8% 24.2% 20.9% 19.5%    
        22.2% 55.2% 7.36% 0.448% 5.92%    
        26.8% 21.5% 21.3% 19.1% 15.7%    
        110% 93.1% 83.7% 83.7% 75.2%    
        80.0% 72.7% 65.4% 67.2% 62.9%    
        7.12% 2.03% 1.19% 0.907% 0.544%    

Download Data
Comparison of 28 Banks in Bulgaria

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Bulgarian-American Credit Bank in Numbers

This Annual statistical dossier offers a summary of Bulgarian-American Credit Bank's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset

Read more »

This Annual statistical dossier offers a summary of Bulgarian-American Credit Bank's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BACB's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 15 banks in Bulgaria in 2016, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached 10,873, up 5.34% compared to the previous year.

Read more »

Based on a comparison of 15 banks in Bulgaria in 2016, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached 10,873, up 5.34% compared to the previous year. Historically, the bank’s loans reached an all time high of 11,112 in 2014 and an all time low of 374 in 2000.

Comparing UniCredit Bulbank with its closest peers, DSK Bank customer loans amounted to 6,364, First Investment Bank operated with 5,045 loans and Eurobank Bulgaria had a loan portfolio of 4,214.

Bulgarian banking sector provided total customer loans of CZK 55.9 bil in 2016, up 10.3% when compared to the last year. As a result, the top ranked company - UniCredit Bulbank accounted for 19.4% of the sector’s loans in 2016. The top 3 companies held a 39.9% share while the five largest firms some 54.5% in 2016.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 15 banks in Bulgaria in 2016, Bulgarian Development Bank was the most cost efficient bank, followed by UniCredit Bulbank and DSK Bank.

Bulgarian Development Bank's cost to income ratio reached 20.7 in 2016,

Read more »

Based on a comparison of 15 banks in Bulgaria in 2016, Bulgarian Development Bank was the most cost efficient bank, followed by UniCredit Bulbank and DSK Bank.

Bulgarian Development Bank's cost to income ratio reached 20.7 in 2016, down from 29.3 when compared to the last year. Historically, the bank’s costs reached an all time high of 44.9 in 2007 and an all time low of 12.6 in 2010.

When compared to total assets, bank's cost amounted to 1.39% in 2016, down from 0.967 a year earlier.

Comparing Bulgarian Development Bank with its closest peers, UniCredit Bulbank operated in 2016 with a cost to income ratio of 32.0, DSK Bank reached 41.1 and United Bulgarian Bank some 41.5.

The average cost to income ratio reached 43.4% in the Bulgarian banking sector in 2016.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 15 banks in Bulgaria, UniCredit Bulbank produced the highest net profit in 2017, followed by DSK Bank and Raiffeisenbank Bulgaria.

UniCredit Bulbank made a net profit of 412, up 14.1% compared to the

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Based on a comparison of 15 banks in Bulgaria, UniCredit Bulbank produced the highest net profit in 2017, followed by DSK Bank and Raiffeisenbank Bulgaria.

UniCredit Bulbank made a net profit of 412, up 14.1% compared to the previous year. Historically, the bank’s net profit reached an all time high of 412 in 2017 and an all time low of 68.9 in 2001. The average profit in the last five years amounted to 315.

The bank generated an average return on equity of 11.7% for its shareholders in the last five years with a maximum of 13.5% and a minimum of 7.32%.

Comparing UniCredit Bulbank with its closest peers, DSK Bank generated a net profit of 285 with a ROE of 17.7% in 2017, Raiffeisenbank Bulgaria netted 137 (ROE of 14.9%) and Eurobank Bulgaria announced a net profit of 136 giving a ROE of 11.4%.

The net profit of the Bulgaria’s banking sector amounted to 1,174 in 2017, down 6.99% compared to the previous year. Heading up the rankings, UniCredit Bulbank accounted for 35.1% of the sector’s net profit in 2017. The top 3 companies held a 71.0% share while the five largest firms some 92.0% in 2017.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 15 banks in Bulgaria in 2017, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached 10,629, down 2.24% compared to the previous year.

Read more »

Based on a comparison of 15 banks in Bulgaria in 2017, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached 10,629, down 2.24% compared to the previous year. Historically, the bank’s loans reached an all time high of 11,112 in 2014 and an all time low of 374 in 2000.

Comparing UniCredit Bulbank with its closest peers, DSK Bank customer loans amounted to 6,784, First Investment Bank operated with 5,163 loans and Eurobank Bulgaria had a loan portfolio of 4,829.

Bulgarian banking sector provided total customer loans of CZK 59.7 bil in 2017, up 6.73% when compared to the last year. As a result, the top ranked company - UniCredit Bulbank accounted for 17.8% of the sector’s loans in 2017. The top 3 companies held a 37.8% share while the five largest firms some 53.3% in 2017.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Bulgarian banks in the report section.

See all charts of the company »
BACB's customer deposits rose 17.8% to BGN 1,060 mil in 2017
BACB's customer loans rose 9.81% to BGN 801 mil in 2017
BACB's net profit rose 30.7% to BGN 7.87 mil in 2017
BACB's net profit rose 30.7% to BGN 7.87 mil in 2017
BACB's net interest margin fell 2.17% to 2.51% in 2017
BACB's total revenues fell 6.02% to BGN 33.1 mil in 2017
BACB's net interest income rose 8.42% to BGN 29.0 mil in 2017
BACB's customer loan growth fell 30.9% to 9.81% in 2017