експресбанк Моля изчакайте
БГ

Key figures


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


437

417

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

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 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

Stand alone annual results 2008

Annual report 2007

Annual report 2006

Annual report 2005