Bulgarian-American Credit Bank AD maintained its growth momentum and successfully closed the second quarter of 2025, reporting solid financial performance. In an environment of global uncertainty and widespread military conflicts, BACB continues to develop sustainably. The Bank ended the half-year with total assets of BGN 2 838 million, maintaining its market position.

BACB further diversified and expanded its loan portfolio, recording growth of 16.71% compared to the second quarter of last year, against 15.33% growth for the banking system. The strongest growth was observed in lending to individuals, where BACB reported an increase of 19.50% as at the end of June 2025. The strong results in this segment are attributable to the Bank’s flexible financing schemes, personalised approach and attractive interest rate terms.

BACB reported a 9.47% increase in corporate lending as at the end of June 2025 compared with the same period in 2024, exceeding the banking sector’s growth of 7.39%. This measured outperformance reflects the Bank’s ability to adapt to a changing environment, while maintaining prudent and effective risk management across its balance sheet. 

Following the reduction in base interest rates in the euro area, net interest income declined. However, consistent with the Bank’s strategic focus on expanding non-interest revenue streams, BACB delivered a strong 23.20% increase in net fee and commission income as at the end of June 2025, significantly outperforming the market growth of 8.81% over the same period. 

BACB‘s capital position continued its positive trajectory, rising by 14.86% compared with the second quarter of 2024, further underpinning the Bank’s sustainable development. As at the end of June, CET1 on an individual basis amounted to BGN 322.202 million.  

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.

BACB AD Financial Indicators – Individual Basis

BGN '000	Q2'24	Q2'25	delta %
Interest income	61 463	53 994	-12.23%
Ineterest expence	-8 112	-9 747	20.16%
Net interest income	53 351	44 197	-17.16%
Net fees income	6 389	7 871	23.20%
Net profit	28 128	25 156	-10.57%
Loans (net)	1 712 712	1 998 977	16.71%
Deposits	2 195 633	2 068 264	-5.80%
Total borrowed funds	2 446 841	2 363 712	-3.40%
Total assets	2 892 490	2 838 151	-1.88%
CET1	280 523	322 202	14.86%