At the end of Q3 of 2025, Bulgarian-American Credit Bank continues its upward trajectory of development and growth, with its assets increasing to BGN 2.792 billion.

As of the end of September 2025, the Bank’s loan portfolio grew by 13.72% compared to the same period in 2024, against a reported increase of 14.85% for the banking system as a whole. These results are driven by BACB’s strategy to support a sustainable economy and its active presence in this market segment over recent years.

The Bank’s focus on retail lending has led to a 27.09% increase in mortgage loans, compared to a 29.87% rise across the banking market in the third quarter of 2025. The consumer loan portfolio recorded an impressive 28.32% growth, compared to 14.56% for the sector, relative to September 2024. Attractive interest rates and flexible financing schemes have contributed to the Bank’s strong performance.

Deposits from individuals also marked a significant increase compared to the same quarter of the previous year. Despite low interest rates, attracted funds in this segment grew by 17.04%. For the period under review, the banking system reported a 13.86% increase. This is a clear indication that BACB is gaining the trust of an increasing number of retail clients.

The decline in base interest rates has led to a reduction in net interest income. However, thanks to strong client activity and the acquisition of new customers, BACB reported a 21.27% increase in net income from fees and commissions in the third quarter, compared to 9.53% for the market, relative to the same period in 2024.

BACB’s capital position has maintained its positive trend, registering a 26.08% increase compared to September 2024, with CET1 on a standalone basis reaching BGN 364.535 million - a guarantee of the Bank’s sustainable development

The full financial statements of the Bulgarian-American Credit Bank, along with the bank's full management report, are available on the corporate website in the "Investor Relations" section.

BGN '000	Q4'24	Q4'25	delta %
Interest income	119 275	107 401	-9.96%
Ineterest expence	-17 917	-19 077	6.47%
Net interest income	101 358	88 324	-12.86%
Net fees income	13 696	16 299	19.01%
Net profit	56 178	43 523	-22.53%
Loans (net)	1 703 248	1 897 897	11.43%
Deposits	2 282 213	2 360 862	3.45%
Total borrowed funds	2 366 826	2 425 183	2.47%
Total assets	2 760 510	2 854 421	3.40%
CET1	317 733	364 535	14.73%