| Financial Results (in millions of BGN) | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Net Banking Income | 219.1 | 197.0 | 169.7 | 170.0 | 165.6 | 151.9 |
| Operating Expenses | -108.4 | -92,6 | -90.1 | - 87.8 | -86.0 | -87.8 |
| Gross Operating Income | 110.70 | 92,8 | 79.7 | 82.2 | 79.6 | 64.1 |
| Net Result | 75.0 | 54.6 | 26.3 | 53.6 | 51.6 | 31.0 |
| Performance ratios | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Return on equity | 12.94% | 9.73% | 5.17% | 11.09% | 12.05% | 8.22% |
| Return on assets | 1.41% | 1.12% | 0.66% | 1.41% | 1.49% | 1.02% |
| Cost-Income ratio | 49.49% | 49.95% | 53.07% | 51.66% | 51.94% | 57.8% |
| Shareholder's equity to total assets | 10.70% | 11.49% | 12.86% | 12.70% | 12.36% | 12.44% |
| Tier 1 capital adequacy ratio | 13.10% | 12.78% | 12.21% | 11.15% | 10.44% | 12.27% |
| Total capital adequacy ratio | 13.72% | 13.57% | 13.31% | 11.49% | 12.62% | 13.26% |
| Outstandings at year end (in millions of BGN) | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 |
| Total assets | 5 742 | 4 886 | 3952 | 3807 | 3 465 | 3 031 |
| Total shareholder's equity | 614 | 561 | 508 | 483 | 428 | 377 |
| Deposits attracted from customers | 4 325 | 3542 | 2599 | 2272 | 2 046 | 1 695 |
| Loans granted to customers | 3 739 | 3 424 | 3047 | 2954 | 2 705 | 2 468 |
| Activity Indicators | 2014 | 2013 | 2012 | 2011 | 2010 | |
| Number of customers ( in thousands) -of which individuals ( in thousands) |
500 475 |
|
424 404 |
398 379 |
377 360 |
369 353 |
| Number of cards ( in thousands) | 371 | 335 | 303 | 274 | 258 | 245 |
| Number of consumer loans ( in thousands) | 101 | 91 | 94 | 97 | 98 | 102 |
| Number of employees | 1 627 | 1 628 | 1 607 | 1 555 | 1 585 | 1 540 |
Моля изчакайте
Key figures
Annual report 2016 on consolidated basis
Annual report 2016 on individual basis
Annual report 2016 on individual basis
Annual report 2015 on consolidated basis
Annual report 2015 on individual basis
Annual report 2014 on consolidated basis
Annual report 2014 on individual basis
Annual report 2013 on consolidated basis
Annual report 2013 on individual basis
Disclosures under art.335 of regulation No 8 on the capital adequacy of the credit institutions(Individual basis) for 2013
Annual report 2012 on consolidated basis
Annual report 2012 on individual basis
Disclosures under art.335 of regulation No 8 on the capital adequacy of the credit institutions(Consolidated) for 2012
Annual report 2011 on consolidated basis
Annual report 2011 on individual basis
Annual report 2010 on consolidated basis
Annual report 2010 on individual basis
Annual report 2009 on consolidated basis
Annual report 2009 on individual basis
Consolidated annual results 2008
