Key figures

Financial Results (in millions of BGN)	2012	2011	2010	2009	2008
Net Banking Income	170.0	165.6	151.9	144.2	121.9
Operating Expenses	- 87.80	-86.0	-87.8	-81.2	-72.8
Gross Operating Income	82.20	79.6	64.1	63.0	49.1
Net Result	53.60	51.6	31.0	19.6	35.7
Performance ratios	2012	2011	2010	2009	2008
Return on equity	11.09%	12.05%	8.22%	5.7%	12.9%
Return on assets	1.41%	1.49%	1.02%	0.7%	1.4%
Cost-Income ratio	51.66%	51.94%	57.8%	56.3%	59.7%
Shareholder's equity to total assets	12.70%	12.36%	12.44%	11.5%	10.4%
Tier 1 capital adequacy ratio	11.15%	10.44%	12.27%	9.26%	8.10%
Total capital adequacy ratio	11.49%	12.62%	13.26%	12.78%	13.12%
Outstandings at year end (in millions of BGN)	2012	2011	2010	2009	2008
Total assets	3807	3 465	3 031	3 003	2 645
Total shareholder's equity	483	428	377	346	276
Deposits attracted from customers	2272	2 046	1 695	1 389	1 233
Loans granted to customers	2954	2 705	2 468	2 324	2 103
Activity Indicators	2012	2011	2010	2009	2008
Number of customers ( in thousands) -of which individuals ( in thousands)	398 379	377 360	369 353	360 344	387 370
Number of cards ( in thousands)	274	258	245	240	252
Number of consumer loans ( in thousands)	97	98	102	106	102
Number of employees	1555	1 585	1540	1494	1405

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