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Central Cooperative Bank

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Central Cooperative Bank

Central Cooperative Bank AD Sofia (Tsentralna Kooperativna Banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual

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Central Cooperative Bank AD Sofia (Tsentralna Kooperativna Banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 221 branches and held a 5% market share in terms of assets in Bulgaria. The Bank was founded in 1991 and is based in Sofia. The Bank is owned by CCB Group

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summary Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

            53.1 52.1 54.6 50.9 78.1    
            117 123 123 121 150    
            24.2 20.3 17.3 15.1 37.2    
            12.6 10.1 10.1 7.26 6.70    

balance sheet

            420 184 294 191 204    
            1,423 1,590 1,772 1,814 2,087    
            565 576 609 781 1,026    
            3,003 3,349 3,745 4,181 4,643    
            333 347 356 363 380    
            62.9 72.5 23.2 21.3 18.3    
            2,577 2,869 3,278 3,717 4,167    
            0.762 46.0 70.2 70.1 70.1    

ratios

            4.16% 2.97% 2.88% 2.02% 1.80%    
            0.477% 0.318% 0.286% 0.183% 0.152%    
            3.51% 3.22% 2.99% 2.66% 2.55%    
            79.3% 83.4% 86.0% 87.5% 75.1%    
          ... ... ... 15.0% 16.6% 15.2%    
            2.01% 1.64% 1.54% 1.29% 1.77%    
            45.3% 42.4% 44.3% 42.2% 52.2%    
            21.2% 25.1% 26.8% 31.5% 26.8%    
            31.7% 31.0% 29.4% 29.6% 28.9%    
            11.1% 10.4% 9.51% 8.69% 8.18%    
            55.2% 55.4% 54.1% 48.8% 50.1%    
            47.4% 47.5% 47.3% 43.4% 44.9%    
...           3.08% 2.72% 2.32% 2.02% 10.3%    
...           57.7% 61.9% 66.3% 87.9% 25.6%    

Download Data
income statement Unit
2005 2006 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
Staff Cost BGN mil
Depreciation BGN mil
Other Cost 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
            156 165 156 149 154    
            103 113 101 98.3 75.8    
            53.1 52.1 54.6 50.9 78.1    
            24.9 30.8 33.0 37.9 40.0    
            39.1 39.8 35.7 31.7 31.4    
            117 123 123 121 150    
            29.4 31.7 31.2 31.3 32.4    
            8.77 7.86 7.44 7.14 8.24    
            54.6 62.8 67.4 67.1 71.6    
            92.9 102 106 106 112    
            24.2 20.3 17.3 15.1 37.2    
            10.0 8.65 6.23 8.20 28.0    
            0.000 0.000 0.000 -1.32 0.000    
            14.2 11.7 11.0 8.20 9.23    
            1.56 1.58 0.891 0.580 1.72    
            0.000 0.000 0.000 0.000 0.000    
            12.6 10.1 10.1 7.26 6.70    

growth rates

...           -22.9% -1.87% 4.88% -6.75% 53.3%    
...           0.218% 23.9% 7.23% 14.9% 5.53%    
...           -2.89% 4.80% 0.533% -2.23% 24.0%    
...           4.97% 10.2% 3.62% -0.536% 6.46%    
...           -24.6% -16.1% -15.0% -12.7% 147%    
...           -43.2% -17.7% -5.42% -25.7% 12.6%    
...           -43.6% -20.1% 0.585% -28.5% -7.59%    

market share

            2.98% 3.21% 3.33% 3.09% 3.62%    
            2.66% 1.92% 2.01% 1.02% 0.746%    
          ... ... ... 6.67% 6.88% 7.33%    
... ... ... ... ... ... ... ... ... 9.43% 9.34%    
... ... ... ... ... ... ... ... ... ... 10.4%    
... ... ... ... ... ... ... ... ... ... 3.92%    
          ... ... ... 7.19% 7.45% 7.98%    

Download Data
balance sheet Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

            460 872 931 1,197 908    
            420 184 294 191 204    
            1,423 1,590 1,772 1,814 2,087    
            266 232 227 273 370    
... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... ...    
            1,183 1,385 1,572 1,574 1,773    
            565 576 609 781 1,026    
            59.9 61.7 82.0 75.2 98.8    
            3,003 3,349 3,745 4,181 4,643    
            333 347 356 363 380    
            0.000 0.000 0.000 0.000 0.000    
            2,670 3,002 3,389 3,817 4,264    
            62.9 72.5 23.2 21.3 18.3    
            2,577 2,869 3,278 3,717 4,167    
            1,692 1,858 2,142 2,788 3,188    
            872 983 1,107 908 967    
... ... ... ... ... ... ... ... 1,182 1,798 2,159    
... ... ... ... ... ... ... ... 2,067 1,898 1,996    
            0.762 46.0 70.2 70.1 70.1    
            30.0 14.5 17.3 8.98 8.37    

asset quality

...           44.7 44.0 41.7 37.4 221    
            1,449 1,618 1,800 1,847 2,144    
            25.8 27.2 27.7 32.8 56.6    

growth rates

...           19.2% 11.7% 11.4% 2.38% 15.0%    
...           -14.3% -12.8% -2.02% 20.0% 35.6%    
... ... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ... ...  
...           30.5% 17.1% 13.5% 0.109% 12.7%    
...           31.4% 11.5% 11.8% 11.6% 11.1%    
...           21.5% 4.34% 2.62% 2.00% 4.53%    
...           33.9% 11.3% 14.3% 13.4% 12.1%    
...           46.3% 9.84% 15.3% 30.2% 14.3%    
...           16.1% 12.8% 12.5% -18.0% 6.57%    

market share

            2.63% 2.86% 3.17% 3.52% 4.12%    
            3.54% 3.95% 4.48% 5.08% 5.82%    
... ... ... ... ... ... ... ... ... ... ...    
            1.41% 1.24% 1.22% 1.49% 2.04%    
... ... ... ... ... ... ... ... ... ... ...    
            5.00% 5.19% 5.37% 5.96% 6.10%    
            4.82% 4.95% 5.21% 5.79% 6.23%    
            5.48% 5.39% 5.68% 7.10% 7.49%    
            6.38% 6.89% 7.16% 5.91% 5.31%    

Download Data
ratios Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

            4.16% 2.97% 2.88% 2.02% 1.80%    
            0.477% 0.318% 0.286% 0.183% 0.152%    
            3.51% 3.22% 2.99% 2.66% 2.55%    
            79.3% 83.4% 86.0% 87.5% 75.1%    
          ... ... ... 15.0% 16.6% 15.2%    
... ... ... ... ... ... ... ... ... 13.8% 12.7%    
            2.01% 1.64% 1.54% 1.29% 1.77%    
...           1.50% 1.21% 1.23% 1.04% 1.61%    
            5.90% 5.20% 4.39% 3.76% 3.49%    
...           4.40% 3.98% 3.17% 2.73% 1.88%    
            45.3% 42.4% 44.3% 42.2% 52.2%    
            21.2% 25.1% 26.8% 31.5% 26.8%    
            33.4% 32.5% 29.0% 26.3% 21.0%    
          ... ... ... 808 787 706    
          ... ... ... 1,190 1,195 1,202    
            31.7% 31.0% 29.4% 29.6% 28.9%    
            11.1% 10.4% 9.51% 8.69% 8.18%    
            55.2% 55.4% 54.1% 48.8% 50.1%    
            47.4% 47.5% 47.3% 43.4% 44.9%    
...           3.08% 2.72% 2.32% 2.02% 10.3%    
...           57.7% 61.9% 66.3% 87.9% 25.6%    
            1.81% 1.71% 1.56% 1.81% 2.71%    
            0.766% 0.574% 0.371% 0.457% 1.44%    

Download Data
other data Unit
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

          ... ... ... 271 277 294    
          ... ... ... 2,185 2,181 2,248    
... ... ... ... ... ... ... ... 410 461 501    
... ... ... ... ... ... ... ... 1.47 1.56 1.62    
... ... ... ... ... ... ... ... ... 692 680    
... ... ... ... ... ... ... ... ... ... 643    
... ... ... ... ... ... ... ... ... ... 37.0    
... ... ... ... ... ... ... ... 36.1% 48.4% 51.8%    

Download Data
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.

Central Cooperative Bank in Numbers

This Annual statistical dossier offers a summary of Central Cooperative Bank's performance between 2005 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 Central Cooperative Bank's performance between 2005 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 CCB'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.

Central Cooperative Bank AD Sofia at a Glance

Central Cooperative Bank AD Sofia (Tsentralna Kooperativna Banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the

Read more »

Central Cooperative Bank AD Sofia (Tsentralna Kooperativna Banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 221 branches and held a 5% market share in terms of assets in Bulgaria. The Bank was founded in 1991 and is based in Sofia. The Bank is owned by CCB Group.

This report offers a summary of the bank's performance in 2005-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Bulgaria

Central Cooperative Bank AD Sofia in Numbers

Central Cooperative Bank AD Sofia (Tsentralna Kooperativna Banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the

Read more »

Central Cooperative Bank AD Sofia (Tsentralna Kooperativna Banka AD Sofia) is a Bulgaria-based commercial bank. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 221 branches and held a 5% market share in terms of assets in Bulgaria. The Bank was founded in 1991 and is based in Sofia. The Bank is owned by CCB Group.

This excel file offers a summary of the bank's performance in 2005-2013. You will find here all the key numbers from the bank's balance sheet, income statement and main ratios related to the bank's business.

In addition, the report provides a detailed overview of the bank's market position in the comparison with the overall banking sector and the key statistics of the whole banking system in Bulgaria

Based on a comparison of 10 banks in Bulgaria in 2016, Eurobank Bulgaria was paying its employees the best, followed by United Bulgarian Bank and Raiffeisenbank Bulgaria.

Eurobank Bulgaria employed 2,200 persons in 2016, down 0.317%

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Based on a comparison of 10 banks in Bulgaria in 2016, Eurobank Bulgaria was paying its employees the best, followed by United Bulgarian Bank and Raiffeisenbank Bulgaria.

Eurobank Bulgaria employed 2,200 persons in 2016, down 0.317% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,859 persons in 2011 and an all time low of 1,078 in 2002.

Average cost reached 1,458 per employee, 32.7% more than a year ago. This figure was some 10 years ago.

Staff accounted for 41.8% of total operating expenditures in 2016.

Comparing Eurobank Bulgaria with its closest peers, United Bulgarian Bank had 2,620 employees with average cost of 1,342 per person, Raiffeisenbank Bulgaria operated with 2,736 people (and 1,295 per employee) and DSK Bank had 4,679 employees in 2016 with cost of 1,132 per head.

The average staff cost per employee reached 2,074 in the Bulgarian banking sector in 2016.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 10 banks in Bulgaria in 2017, Raiffeisenbank Bulgaria was paying its employees the best, followed by Eurobank Bulgaria and United Bulgarian Bank.

Raiffeisenbank Bulgaria employed 2,711 persons in 2017, down 0.914%

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Based on a comparison of 10 banks in Bulgaria in 2017, Raiffeisenbank Bulgaria was paying its employees the best, followed by Eurobank Bulgaria and United Bulgarian Bank.

Raiffeisenbank Bulgaria employed 2,711 persons in 2017, down 0.914% when compared to the previous year. Historically, the bank's workforce hit an all time high of 3,703 persons in 2008 and an all time low of 598 in 2003.

Average cost reached 1,372 per employee, 5.98% more than a year ago. This figure was 985 some 10 years ago.

Staff accounted for 45.0% of total operating expenditures in 2017.

Comparing Raiffeisenbank Bulgaria with its closest peers, Eurobank Bulgaria had 2,200 employees with average cost of 1,356 per person, United Bulgarian Bank operated with 2,600 people (and 1,299 per employee) and Piraeus Bank Bulgaria had 902 employees in 2017 with cost of 1,282 per head.

The average staff cost per employee reached 2,208 in the Bulgarian banking sector in 2017.

You can see all the banks cost per employee data on the Cost Per Employee indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 10 banks in Bulgaria in 2016, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,679 persons in 2016, up 3.94% when compared to the previous year.

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Based on a comparison of 10 banks in Bulgaria in 2016, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,679 persons in 2016, up 3.94% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,736 persons in 2012 and an all time low of 3,569 in 2006.

Average cost reached BGN 1,132 per month per month per employee, 3.00% more than a year ago. This figure was BGN 969 per month some 10 years ago.

Comparing DSK Bank with its closest peers, UniCredit Bulbank had 4,149 employees with average cost of BGN 108 per month per person, First Investment Bank operated with 3,322 people (and BGN 866 per month per employee) and Raiffeisenbank Bulgaria had 2,736 employees in 2016 with cost BGN 2,736 per month per head.

Bulgarian banking sector employed 30,352 people in 2016. The average staff cost per employee reached BGN 2,074 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Bulgarian banks in the report section.

Based on a comparison of 10 banks in Bulgaria in 2017, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,872 persons in 2017, up 4.13% when compared to the previous year.

Read more »

Based on a comparison of 10 banks in Bulgaria in 2017, DSK Bank had the most employees, followed by UniCredit Bulbank and First Investment Bank.

DSK Bank employed 4,872 persons in 2017, up 4.13% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,872 persons in 2017 and an all time low of 3,569 in 2006.

Average cost reached BGN 1,216 per month per month per employee, 7.45% more than a year ago. This figure was BGN 901 per month some 10 years ago.

Comparing DSK Bank with its closest peers, UniCredit Bulbank had 4,147 employees with average cost of BGN 119 per month per person, First Investment Bank operated with 3,221 people (and BGN 969 per month per employee) and Raiffeisenbank Bulgaria had 2,711 employees in 2017 with cost BGN 2,711 per month per head.

Bulgarian banking sector employed 30,070 people in 2017. The average staff cost per employee reached BGN 2,208 per month.

You can see all the banks employees data on the Employees indicator page or you can download a report on the Bulgarian banks in the report section.

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CCB's net profit rose 44.3% to BGN 37.3 mil in 2017
CCB's net profit rose 44.3% to BGN 37.3 mil in 2017
CCB's total revenues rose 3.35% to BGN 207 mil in 2017
CCB's customer loans rose 2.54% to BGN 2,215 mil in 2017
CCB's customer deposits rose 9.01% to BGN 4,859 mil in 2017
CCB's corporate deposits rose 18.7% to BGN 1,245 mil in 2017
CCB's retail deposits rose 5.79% to BGN 3,591 mil in 2017
CCB's corporate loans fell 6.50% to BGN 1,630 mil in 2017
CCB's net interest income rose 6.70% to BGN 128 mil in 2017
CCB's costs (as % of assets) fell 8.41% to 2.51% in 2017