At the end of the third quarter of 2026, against a backdrop of a dynamic macroeconomic environment, Bulgarian-American Credit Bank (BACB) maintained its sustainable growth and strengthened its market position.

The Bank's total assets increased by 34.46% year-on-year to EUR 1,919 million, significantly outpacing the 15.84% growth recorded across the banking sector.

As at the end of September 2026, BACB's loan portfolio reached EUR 1,070 billion, representing an increase of 12.74% compared with the same period in 2025, against growth of 16.41% recorded across the banking sector.

The Bank's focus on lending to individuals resulted in a 19.91% year-on-year increase in loans to households, compared with growth of 20.99% across the banking sector. Competitive interest rates and flexible financing arrangements contributed to the strong performance in this segment.

BACB recorded a 12.59% increase in corporate lending as at the end of September 2026 compared with the same period in 2025, exceeding the 12.05% growth recorded across the banking sector. The Bank maintained its consistent focus on business customers by fostering long-term partnerships and offering financial solutions tailored to their specific needs and stage of business development. These results reflect the Bank's strategy of supporting a sustainable economy and its active presence in the business banking segment.

Customer deposits recorded significant growth of 40.03% at the end of the third quarter of 2026, compared with market growth of 13%, reflecting the high level of confidence placed in the Bank by individuals and businesses.

The expansion of the customer base and increased customer activity contributed to a 17.16% rise in net fee and commission income as at the end of September 2026 compared with the same period in 2025, significantly outperforming the 4.85% growth recorded across the banking sector. The expansion of the loan portfolio drove a 17.80% year-on-year increase in BACB's net interest income, compared with growth of 21.26% across the banking sector.

As at the end of September 2026, the Bank maintained a level of equity commensurate with its risk profile and asset quality, providing a sufficient capital base to support the long-term achievement of its strategic objectives. 

The full financial statements of Bulgarian-American Credit Bank, together with the Bank's comprehensive management report, are available on its corporate website under the Investor Relations section. 

EUR '000	Q3'25	Q3'26	delta %
Interest income	41 168	46 844	13.79%
Ineterest expence	-7 491	-7 174	-4.23%
Net interest income	33 676	39 670	17.80%
Net fees income	6 104	7 151	17.16%
Net profit	17 681	18 334	3.69%
Loans (net)	948 930	1 069 815	12.74%
Deposits	1 180 797	1 653 514	40.03%
Total borrowed funds	1 183 284	1 655 304	36.89%
Total assets	1 427 501	1 919 390	34.46%
CET1	186 384	170 820	-8.35%