Key figures

Financial Results (in millions of BGN)	2010	2009	2008	2007
Net Banking Income	151.9	144.2	121.9	102.3
Operating Expenses	-87.8	-81.2	-72.8	-59.9
Gross Operating Income	64.1	63.0	49.1	42.4
Net Result	31.0	19.6	35.7	32.5
Performance ratios	2010	2009	2008	2007
Return on equity	8.2%	5.7%	12.9%	14.1%
Return on assets	1.0%	0.7%	1.4%	1.7%
Cost-Income ratio	57.8%	56.3%	59.7%	58.6%
Shareholder's equity to total assets	12.4%	11.5%	10.4%	12.3%
Tier 1 capital adequacy ratio	12.27%	9.26%	8.10%	9.13%
Total capital adequacy ratio	13.26%	12.78%	13.12%	12.33%
Outstandings at year end (in millions of BGN)	2010	2009	2008	2007
Total assets	3 031	3 003	2 645	1 883
Total shareholder's equity	377	346	276	231
Deposits attracted from customers	1 695	1 389	1 233	1 142
Loans granted to customers	2 464	2 324	2 103	1 445
Activity Indicators (in thousands)	2010	2009	2008	2007
Number of customers -of which individuals	367 352	360 344	387 370	355 340
Number of cards	245	240	252	237
Number of consumer loans	102	106	102	95
Number of employees	1540	1494	1405	1222

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