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7/30/2019 Ucb Profile April 2010 En
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UNICREDIT BULBANK
AT A GLANCE
Apr il 2010
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Employees: ~ 4000
Clients: ~ 1.1 million
Branches: around 230, throughout thecountry
UNICREDIT BULBANK
THE BANK THAT BELIEVES IN ME!
Main indicators
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RESPONSIBLE FINANCIAL PARTNER
INDISPUTABLE NUMBER ONE:
Clients deposits: BGN 6.42 billion*;(6.6% increase compared to 2008)
Loans: BGN 7.37 billion
( 2% increase compared to 2008)
Assets: BGN 11.519 billion.
(4.6% increase compared to 2008,
16.3% market share)
Shared capital: BGN 1.636 billion
(19% increase compared to 2008)
*1 euro=BGN 1.95583;Unconsolidated audited figures as December, 31, 2009.
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UniCredit Bulbank is among the market leaders in terms ofmajor profitability and efficiency indicators:
Net profit : BGN 194.7 millions
Return on average assets (ROA): 1.7%
Return on average equity (ROE): 12.9%
Cost/income ratio: 42.8%
MAJOR PROFITABILITY AND
EFFICIENCY INDICATORS
*1 euro =BGN 1.95583; Unconsolidated audited figures as of 31, December, 2009
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COMPREHENSIVE BANKING NETWORKIN BULGARIA (above 230 BRANCHES)
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RATINGS
Long term BBB
Short term -3
Outlook Negative
According to the latest report of
agency (fromJ uly, 31, 2009) the
bank has better developed
managementsystems compared
to its peers and it is adequately
positionedas thelargestbankin
Bulgaria towithstandthe effectsfromthe deterioratedeconomic
environment.
.
I. UniCredit Bulbank receives credit rating fromStandard & Poors
II. Additionally, the bank has a rating for support , from Fitch
Support rating 2
According to the latest report of theagency (fromMarch,17, 2010) UCB'sSupport Rating is constrained byBulgaria's Country Ceiling 'BBB+'.Therefore, any upside/downside in theSupport Rating would be linked to a
change in the Country Ceiling.
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NATIONAL AND INTERNATIONAL RECOGNITION
Euromoney: The best bank in Bulgaria - 2006, 2007, 2008, 2009
emeafinance: The best bank in Bulgaria - 2009
emeafinance: The best foreign bank in Bulgaria 2009
Euromoney: The best Investment Bank in Bulgaria - 2007, 2008
The Banker: Bank of the Year in Bulgaria 2007, 2009
Global Finance: The best bank in Bulgaria - 2007, 2008, 2010
Newspaper PARI The best bank on market share - 2008, 2009
Global Custodian: The best bank guardian in Bulgaria - 2005, 2006, 2007, 2008, 2009
Banker Weekly: Best Banker in Bulgaria - 2007
Manager Magazine: Best Manager in Bulgaria 2007
APOZ: Corporate Social Responsibility Award 2009
Bulgarian forum of business leaders: Steady investor in environment - 2010
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A BANK WITH A HISTORY
1964
2000
2003
2005
2007
Bulbank was founded as the state-owned Bulgarian Foreign Trade Bank (BFTB);
1995
2002
2004
1993Hebros Bank was founded by merger of eight commercial banks in Bulgaria;
Bank Biochim was founded as result of merging three of the biggest state owned banks in the country CB Biochim (founded 1987), CB Sofiabank (1993) and CB Serdica (1995);
Bulbanks privatization was completed on October 2 and the bank became a memberof UniCredit Group;
Bank Biochims privatization was completed and the institution become member of HVBGroup; a merger with newly created HVB Bank Bulgaria follows;
HVB Bank Bulgaria becomes HVB Bank Biochim; at the beginning of 2005 Hebrosbank joins the group;
Bulbank celebrated 40th anniversary as the biggest Bulgarian bank and undisputablemarket leader;
UniCredit Group announced merger with HVB Group;
On April 27, 2007 the integration of the three UniCredit banks in Bulgaria is completed andUniCredit Bulbank is firmly positioned as the number one bank in Bulgaria.
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UNICREDIT IN BULGARIA
The biggest bank in Bulgaria
Leading leasing company
Market leader in factoring services
Leading company for consumer financing
The biggest company for collective
investment schemes in our country
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FURTHER INFORMATION
UniCredit Bulbank
Area: 111,001sq. km Population: 7.6 million Capital: Sofia Currency: Bulgarian lev GDP (e)1: EUR 33.3bn per capi ta GDP1: EUR 4 394
1) Source: CEE Quarterly 1 2010
Further information:
www.unicreditbulbank.bg
UniCrdit Bulbank has aclear strategy:
Customer-centricity,because customersatisfaction is theengine of banks`growth.
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BRIEF PROFILEOF UNICREDIT GROUP
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a majorinternational
financial institution
with strong roots in
22 European
countries as well as
representative
off ices in 27 othermarkets.
Over the years
UniCredit Group
demonstrated ability
to generate
profitable,sustainable growth
and create
signif icant value for
its stakeholders.
Customers : around 40 million
Employees: 165, 000
Branches: around 9,800
UNICREDIT BULBANK IS A PART
OF EUROPEAN UNICREDIT GROUP...
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TRULY EXTENSIVE EUROPEAN NETWORK
DE: HypoVereinsbank
DAB Bank
IT: UniCredit Banca
UniCredit Banca di RomaBanco di Sicilia
UniCredit Corporate Banking
UniCredit Private BankingUniCredit Banca per la Casa
FinecoBankUniCredit Consumer Financing
AZ: Yapi Kredi Azerbaij an
Baltics: UniCredit Bank
BIH: UniCredit BankUniCredit Bank Banja Luka
BG: UniCredit Bulbank
CRO: Zagrebaka banka
Countries where the Group operates via local
banks controlled or in which it has a significantequity interest.
CZ: UniCredit Bank
HU: UniCredit Bank
KZ: ATF Bank
KS: ATF Bank
PL: Bank Pekao
RO: UniCredit Tiriac Bank
RU: UniCredit Bank
SK: UniCredit Bank
SLO: UniCredit Bank
SRB: UniCredit Bank
UA: UniCredit Bank
Ukrsotsbank
TK: Yapi Kredi
AT: Bank Aust ria
SchoellerbankBank Privat
Countries where the Group operates via its own branches,
representative offices, delegates or consultants.
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AND OFFICES WORLDWIDE
Countries where the Group operates via its ownbranches, representative offices, consultants,
delegates or investment centers (Pioneer).
Countries where the Group operates via local bankscontrolled or in which it has a significant equity
interest.
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OUR COMMITMENT IS OUR STRENGHT
Ourcommitment is our strength. We are a major financialinstitiution, with over 9,800 branches in 22 countries.
Our strength lies in our financial expertise, our exraordinary service
and solid commitment to enable individuals and corporate customers to
successfully meet their financial goals.
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MISSSION OF UNICREDIT
We, the people of UniCredit, take on the responsibility towork in favor of our customers.
As a leading European bank, we are committed to supportthe development of stakeholders, where we live
and to be preferred place to work.Our goal is to achieve excellent results and continuously
strive for work easily with us.These responsibilities, which we assume,
will enable us to create long term benefits forour local communities.
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VALUES OF THE GROUP FROM INTEGRITY CHARTER
Our set of values is
based
on integrity as
condition
of sustainability
to transform
profit into value
Profitability of thebusiness, that we do,gives us the opportunityto lead independent andcoherent policy.
Sustainable over the timepositive results transform
current profitability intolong term benefits forour partners
Fairness
Transparency
Respect
Trust
Freedom to act
Reciprocity
for .
Colleagues
Customers and suppliers
Investors
Local Communities
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BRIEF PROFILE OF UNICREDIT GROUP
About UniCredit Group
One of the leading European financial groups, UniCredit has a presence in22 core countries. Around 165,000 employees work with aroud 40 millionclients in above 9,800 branches of the Group;
In the CEE region, UniCredit operates the largest international bankingnetwork;
Basic markets of the Group are in: Italy, Germany, Austria, Azerbaijan,Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Estonia,Hungary, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Poland, Romania,
Russia, Serbia, Slovakia, Slovenia, Turkey and Ukraine.
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BRIEF PROFILE OF UNICREDIT BULBANK
About UniCredi t Bulbank
UniCredit Bulbank is the biggest Bulgarian bank in terms of assets, exceeding 11.5billion BGN (1 euro = 1.95583 BGN) as of end of 2009. The bank has more than onemillion clients citizens and households, private customers, small and mid sizedbusinesses, larger domestic and multinational corporate customers, municipalities
and etc.
In the last year, due to its reasonable policy and the trust of its clients, UniCreditBulbank increased its market share. At the end of last year the bank is number 1 interms of assets, deposits, loans and shareholders capital;
UniCredit Bulbank operates one of the most comprehensive banking networks inBulgaria of about 230 branches in which close to 4000 employees provide a vastportfolio of top quality financial products and services.