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Bulgarian Development Bank

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Bulgarian Development Bank

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summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

        61.3 59.3 53.9 53.3 52.1    
        64.2 62.1 54.9 57.5 58.4    
        55.5 51.7 43.5 46.3 41.4    
        11.4 21.9 10.8 12.8 38.3    

balance sheet

        1,676 1,397 1,265 1,136 910    
        19.6 129 165 278 222    
        1,875 1,694 1,781 1,922 1,614    
        671 683 673 681 709    
        0.000 0.000 0.000 0.000 0.362    
        1,189 994 1,102 1,237 902    
        3.08 3.08 1.53 0.888 0.362    

ratios

        1.71% 3.23% 1.60% 1.89% 5.52%    
        0.702% 1.23% 0.624% 0.693% 2.17%    
        0.531% 0.583% 0.657% 0.601% 0.967%    
        13.4% 16.7% 20.8% 19.4% 29.3%    
        3.77% 3.32% 3.10% 2.88% 2.95%    
        95.5% 95.5% 98.1% 92.8% 89.2%    
        2.81% 2.82% 2.83% 3.45% 3.36%    
        35.8% 40.3% 37.8% 35.4% 43.9%    
        141% 141% 115% 91.9% 101%    
        89.4% 82.5% 71.0% 59.1% 56.4%    

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income statement Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

Interest Income BGN mil
Interest Cost BGN mil
Net Interest Income BGN mil
Net Fee Income BGN mil
Other Income BGN mil
Total Revenues BGN mil
Depreciation BGN mil
Operating Cost BGN mil
Operating Profit BGN mil
Provisions BGN mil
Extra and Other Cost BGN mil
Pre-Tax Profit BGN mil
Tax BGN mil
Minorities BGN mil
Net Profit BGN mil
        82.0 80.8 68.2 65.1 60.1    
        20.8 21.5 14.3 11.8 7.98    
        61.3 59.3 53.9 53.3 52.1    
        1.80 1.75 1.55 1.99 1.96    
        1.11 1.07 -0.521 2.17 4.34    
        64.2 62.1 54.9 57.5 58.4    
        0.178 0.287 0.376 0.486 0.510    
        8.63 10.4 11.4 11.1 17.1    
        55.5 51.7 43.5 46.3 41.4    
        42.6 27.1 31.1 31.9 -1.84    
        0.225 0.341 0.322 0.154 0.586    
        12.7 24.3 12.0 14.2 42.6    
        1.27 2.43 1.20 1.43 4.26    
        0.000 0.000 0.000 0.000 0.000    
        11.4 21.9 10.8 12.8 38.3    

growth rates

...       20.5% -3.19% -9.13% -1.06% -2.19%    
...       5.51% -2.67% -11.4% 27.9% -1.11%    
...       11.2% -3.18% -11.6% 4.64% 1.70%    
...       19.0% 20.6% 9.73% -2.52% 53.7%    
...       10.1% -6.87% -15.9% 6.52% -10.8%    
...       -60.3% 91.7% -50.5% 18.3% 199%    
...       -60.3% 91.7% -50.5% 18.3% 199%    

market share

        1.63% 1.63% 1.48% 1.47% 1.42%    
        2.41% 4.17% 2.15% 1.80% 4.27%    

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balance sheet Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

        70.3 51.6 234 387 347    
        1,676 1,397 1,265 1,136 910    
        19.6 129 165 278 222    
        14.4 15.0 17.0 20.6 32.3    
        1,875 1,694 1,781 1,922 1,614    
        671 683 673 681 709    
        0.000 0.000 0.000 0.000 0.000    
        1,205 1,011 1,108 1,241 905    
        0.000 0.000 0.000 0.000 0.362    
        1,189 994 1,102 1,237 902    
        3.08 3.08 1.53 0.888 0.362    
        0.000 0.000 0.000 0.000 0.000    

growth rates

...       31.5% -16.6% -9.49% -10.2% -19.9%    
...       36.2% -9.66% 5.14% 7.88% -16.0%    
...       1.26% 1.81% -1.42% 1.10% 4.17%    
...       67.3% -16.4% 10.9% 12.2% -27.0%    

market share

        3.09% 2.51% 2.27% 2.20% 1.80%    
        3.12% 2.62% 2.56% 2.74% 2.12%    
        2.22% 1.72% 1.75% 1.93% 1.35%    

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ratios Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

        1.71% 3.23% 1.60% 1.89% 5.52%    
        0.702% 1.23% 0.624% 0.693% 2.17%    
        0.531% 0.583% 0.657% 0.601% 0.967%    
        13.4% 16.7% 20.8% 19.4% 29.3%    
        3.77% 3.32% 3.10% 2.88% 2.95%    
...       2.88% 2.59% 2.57% 2.51% 2.66%    
        5.04% 4.53% 3.93% 3.52% 3.40%    
...       2.16% 1.94% 1.35% 1.01% 0.744%    
        95.5% 95.5% 98.1% 92.8% 89.2%    
        2.81% 2.82% 2.83% 3.45% 3.36%    
        1.72% 1.72% -0.949% 3.77% 7.42%    
        35.8% 40.3% 37.8% 35.4% 43.9%    
        141% 141% 115% 91.9% 101%    
        89.4% 82.5% 71.0% 59.1% 56.4%    
        2.89% 1.76% 2.34% 2.66% -0.180%    

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Comparison of 28 Banks in Bulgaria

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking

Read more »

This Annual Statistical Dossier offers a comparison of 28 Bulgarian banks from 2000 to 2017 on an annual basis. The report can be downloaded as an Excel file.

You will find here the key numbers from the banks' balance sheets such as loan and deposit breakdown, or capitalization, income statements for the sector and the main ratios related to the banking business such as asset quality, number and cost of employees or details on banking infrastructure.

The file contains data of following banks:

If you are only interested in particular areas of a bank's business, you can find and download specific indicators from the bank's Corporate Profile, or specific charts from the bank's Chart Section, where you can find a comparison of the bank with its peers.

Alternatively, you can find similar data for the Czech banking sector in the banking Sector Profile.

If you are interested in the banking quarterly figures, please refer to the banking Quarterly Statistical Dossier. Download a sample excel file attached to see more details. On purchase, the hidden cells will be unlocked and all available data wll be visible.

Bulgarian Development Bank in Numbers

This Annual statistical dossier offers a summary of Bulgarian Development Bank's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality,

Read more »

This Annual statistical dossier offers a summary of Bulgarian Development Bank's performance between 2007 and 2017 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track BDB's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Based on a comparison of 15 banks in Bulgaria, UniCredit Bulbank produced the highest net profit in 2016, followed by DSK Bank and Raiffeisenbank Bulgaria.

UniCredit Bulbank made a net profit of 361, up 6.22% compared to the

Read more »

Based on a comparison of 15 banks in Bulgaria, UniCredit Bulbank produced the highest net profit in 2016, followed by DSK Bank and Raiffeisenbank Bulgaria.

UniCredit Bulbank made a net profit of 361, up 6.22% compared to the previous year. Historically, the bank’s net profit reached an all time high of 361 in 2016 and an all time low of 68.9 in 2001. The average profit in the last five years amounted to 276.

The bank generated an average return on equity of 11.1% for its shareholders in the last five years with a maximum of 13.5% and a minimum of 7.32%.

Comparing UniCredit Bulbank with its closest peers, DSK Bank generated a net profit of 303 with a ROE of 18.9% in 2016, Raiffeisenbank Bulgaria netted 139 (ROE of 15.1%) and Eurobank Bulgaria announced a net profit of 120 giving a ROE of 11.6%.

The net profit of the Bulgaria’s banking sector amounted to 1,262 in 2016, up 40.5% compared to the previous year. Heading up the rankings, UniCredit Bulbank accounted for 28.6% of the sector’s net profit in 2016. The top 3 companies held a 63.6% share while the five largest firms some 81.9% in 2016.

You can see all the banks net profit data on the Net Profit indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 15 banks in Bulgaria in 2016, UniCredit Bulbank generated the largest revenues, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank reported total revenues of 858, up 9.29% compared to the

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Based on a comparison of 15 banks in Bulgaria in 2016, UniCredit Bulbank generated the largest revenues, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank reported total revenues of 858, up 9.29% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of 858 in 2016 and an all time low of 145 in 2001. The average revenue in the last five years amounted to 756.

Bank's total revenues accounted for 4.21% of total assets in 2016, up from 4.16% a year earlier.

Comparing UniCredit Bulbank with its closest peers, DSK Bank generated total revenues of 754, or 6.38% of assets in 2016, First Investment Bank operated with 472 total income, or 5.19% revenue margin and United Bulgarian Bank produced total income worth 406, or 5.94% of assets.

Bulgarian banking sector generated total revenues of 4,057 in 2016, down 1.70% when compared to the previous year. As a result, the top ranked company - UniCredit Bulbank accounted for 21.1% of the sector’s total income in 2016. The top 3 companies held a 51.4% share while the five largest firms some 70.4% in 2016.

You can see all the banks revenues data on the Total Revenues indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 15 banks in Bulgaria in 2016, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached 10,873, up 5.34% compared to the previous year.

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Based on a comparison of 15 banks in Bulgaria in 2016, UniCredit Bulbank was the largest lender, followed by DSK Bank and First Investment Bank.

UniCredit Bulbank loans reached 10,873, up 5.34% compared to the previous year. Historically, the bank’s loans reached an all time high of 11,112 in 2014 and an all time low of 374 in 2000.

Comparing UniCredit Bulbank with its closest peers, DSK Bank customer loans amounted to 6,364, First Investment Bank operated with 5,045 loans and Eurobank Bulgaria had a loan portfolio of 4,214.

Bulgarian banking sector provided total customer loans of CZK 55.9 bil in 2016, up 10.3% when compared to the last year. As a result, the top ranked company - UniCredit Bulbank accounted for 19.4% of the sector’s loans in 2016. The top 3 companies held a 39.9% share while the five largest firms some 54.5% in 2016.

You can see all the banks loans on the Customer Loans indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 15 banks in Bulgaria in 2016, Bulgarian Development Bank was the most cost efficient bank, followed by UniCredit Bulbank and DSK Bank.

Bulgarian Development Bank's cost to income ratio reached 20.7 in 2016,

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Based on a comparison of 15 banks in Bulgaria in 2016, Bulgarian Development Bank was the most cost efficient bank, followed by UniCredit Bulbank and DSK Bank.

Bulgarian Development Bank's cost to income ratio reached 20.7 in 2016, down from 29.3 when compared to the last year. Historically, the bank’s costs reached an all time high of 44.9 in 2007 and an all time low of 12.6 in 2010.

When compared to total assets, bank's cost amounted to 1.39% in 2016, down from 0.967 a year earlier.

Comparing Bulgarian Development Bank with its closest peers, UniCredit Bulbank operated in 2016 with a cost to income ratio of 32.0, DSK Bank reached 41.1 and United Bulgarian Bank some 41.5.

The average cost to income ratio reached 43.4% in the Bulgarian banking sector in 2016.

You can see all the banks cost efficiency data on the Costs (As % Of Income) indicator page or you can download a report on the Bulgarian banks in the report section.

See all charts of the company »
BDB's customer deposits rose 48.8% to BGN 1,712 mil in 2017
BDB's net interest margin fell 21.7% to 2.51% in 2017
BDB's customer loans rose 11.7% to BGN 1,583 mil in 2017
BDB's net profit fell 63.6% to BGN 16.4 mil in 2017
BDB's net profit fell 63.6% to BGN 16.4 mil in 2017
BDB's total revenues fell 0.346% to BGN 56.4 mil in 2017
BDB's net interest income fell 2.69% to BGN 55.0 mil in 2017
BDB's customer loan growth fell 79.0% to 11.7% in 2017