експресбанк Моля изчакайте
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Key figures and results


Financial Results (in millions of BGN) 2016 2015 2014 2013 2012 2011
Net Banking Income 243.60 219.1 197.0 169.7 170.0 165.6
Operating Expenses 106.90 -108.4 -102.20 -90.1 - 87.8 -86.0
Gross Operating Income 136.70  110.70 94.8 79.7 82.2 79.6
Net Result 92.80  75.0 56.40 26.3 53.6 51.6
Performance ratios 2016  2015 2014 2013 2012 2011
Return on equity 14.09%  12.94% 10.21% 5.17% 11.09% 12.05%
Return on assets 1.53%  1.41% 1.28% 0.66% 1.41% 1.49%
Cost-Income ratio 43.88%  49.49% 51.89% 53.07% 51.66% 51.94%
Shareholder's equity to total assets 11.08%  10.68% 11.18% 12.86% 12.70% 12.36%
Tier 1 capital adequacy ratio 14.45%  13.10% 12.78% 12.21% 11.15% 10.44%
Total capital adequacy ratio 15.03%  13.72% 13.57% 13.31% 11.49% 12.62%
Outstandings at year end (in millions of BGN) 2016 2015 2014 2013 2012 2011
Total assets 6 349  5 755 4 886 3952 3807 3 465
Total shareholder's equity 703  614 544 508 483 428
Deposits attracted from customers 4 817 4 325 3 542 2599 2272 2 046
Loans granted to customers 4 087  3 743 3 424 3047 2954 2 705
Activity Indicators 2016 2015  2014 2013 2012 2011
Number of customers ( in thousands)

-of which individuals ( in thousands)

519


492

500


475


468

446

424

404
398

379
377

360
Number of cards ( in thousands) 399  371 335  303 274 258
Number of employees 1 612  1 631 1 628  1 607 1 555 1 585