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DSK Bank

Banking > Bulgaria > DSK Bank
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DSK Bank

DSK Bank EAD is the biggest Bulgarian retail 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

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DSK Bank EAD is the biggest Bulgarian retail 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 378 branches and 873 ATMs in Bulgaria and employed over 4,500 persons. The Bank was founded in 1951 and is headquartered in Sofia, Bulgaria. It is owned by OTP Bank, Hungary's largest bank.

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summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                521 499 469 505 564    
                656 650 623 668 749    
                422 398 368 393 468    
                87.7 161 191 228 321    

balance sheet

                1,054 1,193 1,471 2,485 3,200    
                6,697 6,508 6,191 6,229 6,230    
                204 326 540 567 930    
                8,558 8,703 8,864 10,104 11,264    
                1,332 1,437 1,492 1,586 1,611    
                44.3 244 292 406 224    
                6,429 6,612 6,980 8,003 9,310    
                687 295 76.7 86.8 80.1    

ratios

                6.09% 11.7% 13.0% 14.8% 20.1%    
                1.02% 1.87% 2.17% 2.41% 3.00%    
                2.73% 2.92% 2.90% 2.90% 2.63%    
                35.6% 38.8% 40.9% 41.1% 37.5%    
...               16.5% 16.0% 16.9% 18.1% 17.3%    
                6.09% 5.79% 5.33% 5.32% 5.28%    
                79.5% 76.8% 75.2% 75.5% 75.3%    
                17.1% 17.7% 19.5% 19.7% 19.8%    
                37.2% 36.0% 38.0% 36.6% 37.3%    
                15.6% 16.5% 16.8% 15.7% 14.3%    
                104% 98.4% 88.7% 77.8% 66.9%    
                78.3% 74.8% 69.8% 61.7% 55.3%    
...               17.3% 21.1% 21.5% 15.5% 15.1%    
...               74.1% 73.7% 82.2% 88.5% 93.9%    

Download Data
income statement Unit
2003 2004 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
                730 687 609 605 606    
                209 188 140 99.8 41.7    
                521 499 469 505 564    
                112 115 121 132 148    
                22.7 35.8 33.4 31.6 36.5    
                656 650 623 668 749    
                87.0 90.8 96.9 100 105    
                36.3 42.1 32.3 39.6 40.3    
                110 119 126 135 136    
                234 252 255 275 281    
                422 398 368 393 468    
                324 212 142 121 107    
                0 0 0.270 0 0    
                98.5 186 226 272 361    
                10.7 22.5 23.3 28.1 36.5    
                0.080 2.11 12.2 16.0 3.89    
                87.7 161 191 228 321    

growth rates

...               5.16% -4.23% -6.15% 7.75% 11.7%    
...               0.896% 2.89% 5.25% 8.65% 12.6%    
...               4.69% -0.871% -4.17% 7.22% 12.0%    
...               2.10% 7.88% 1.21% 7.75% 2.15%    
...               6.18% -5.71% -7.57% 6.85% 19.0%    
...               -32.0% 88.8% 21.6% 20.4% 32.7%    
...               -32.5% 83.9% 18.1% 19.7% 40.7%    

market share

                16.7% 17.0% 16.8% 17.1% 18.1%    
                18.5% 30.7% 37.8% 32.1% 35.7%    
...               13.2% 14.1% 13.8% 14.3% 14.7%    
... ... ... ... ... ... ... ... ... ... 17.3% 19.9% 19.0% ... ...
... ... ... ... ... ... ... ... ... ... ... 21.7% 20.4% ... ...
... ... ... ... ... ... ... ... ... ... ... 9.37% 10.3% ... ...
...               10.2% 9.94% 10.0% 10.3% 10.4%    

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                249 250 262 376 372    
                1,054 1,193 1,471 2,485 3,200    
                6,697 6,508 6,191 6,229 6,230    
                5,524 5,485 5,445 5,557 4,938    
... ...             2,629 2,584 2,518 2,350 2,288    
... ...             2,895 2,901 2,927 3,208 2,650    
                2,145 2,209 2,060 2,230 2,312    
                204 326 540 567 930    
                330 389 358 391 397    
                8,558 8,703 8,864 10,104 11,264    
                1,332 1,437 1,492 1,586 1,611    
                1.24 6.43 18.1 38.8 23.0    
                7,225 7,266 7,372 8,518 9,653    
                44.3 244 292 406 224    
                6,429 6,612 6,980 8,003 9,310    
                5,250 5,420 5,660 6,433 7,107    
                864 801 919 1,207 1,766    
... ... ... ... ... ... ... ... ... ... 3,399 4,459 6,153 ... ...
... ... ... ... ... ... ... ... ... ... 3,180 3,182 3,158 ... ...
                687 295 76.7 86.8 80.1    
                65.0 115 23.1 21.9 38.3    

asset quality

...               1,330 1,627 1,614 1,116 1,096    
                7,683 7,707 7,517 7,217 7,259    
                985 1,199 1,326 988 1,030    

growth rates

...               -2.50% -2.83% -4.87% 0.612% 0.006%    
...               0.493% -0.714% -0.731% 2.07% -11.1%    
... ... ...           1.53% -1.72% -2.56% -6.68% 12.8%    
... ... ...           -0.431% 0.200% 0.902% 9.59% -27.9%    
...               5.75% 2.97% -6.72% 8.23% -146%    
...               -0.074% 1.70% 1.85% 14.0% 11.5%    
...               -14.0% 7.88% 3.81% 6.31% 1.58%    
...               7.37% 2.84% 5.57% 14.6% 16.3%    
...               7.22% 3.24% 4.43% 13.7% 10.5%    
...               20.2% -7.28% 14.7% 31.4% 46.3%    

market share

                12.4% 11.7% 11.1% 12.1% 12.3%    
                6.42% 6.30% 5.87% 7.19% 7.59%    
... ...             28.9% 29.7% 29.7% 33.3% 27.9%    
                29.2% 29.3% 29.1% 30.2% 27.2%    
... ...             29.6% 28.9% 28.5% 26.9% 26.5%    
                14.2% 13.5% 12.7% 14.4% 14.8%    
                12.0% 11.4% 11.1% 12.5% 13.9%    
                17.0% 15.7% 15.0% 16.4% 16.7%    
                6.32% 5.62% 5.95% 7.87% 9.69%    

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                6.09% 11.7% 13.0% 14.8% 20.1%    
                1.02% 1.87% 2.17% 2.41% 3.00%    
                2.73% 2.92% 2.90% 2.90% 2.63%    
                35.6% 38.8% 40.9% 41.1% 37.5%    
...               16.5% 16.0% 16.9% 18.1% 17.3%    
... ... ... ... ... ... ... ... ... ... 16.3% 17.6% 17.1%    
                6.09% 5.79% 5.33% 5.32% 5.28%    
...               5.60% 5.37% 5.01% 5.12% 5.21%    
                8.53% 7.96% 6.93% 6.38% 5.67%    
...               2.93% 2.60% 1.92% 1.26% 0.459%    
                79.5% 76.8% 75.2% 75.5% 75.3%    
                17.1% 17.7% 19.5% 19.7% 19.8%    
                3.46% 5.51% 5.35% 4.72% 4.87%    
...               1,151 1,050 1,214 1,219 1,138    
...               1,619 1,598 1,789 1,850 1,939    
                37.2% 36.0% 38.0% 36.6% 37.3%    
                15.6% 16.5% 16.8% 15.7% 14.3%    
                104% 98.4% 88.7% 77.8% 66.9%    
                78.3% 74.8% 69.8% 61.7% 55.3%    
...               17.3% 21.1% 21.5% 15.5% 15.1%    
...               74.1% 73.7% 82.2% 88.5% 93.9%    
                14.7% 18.4% 21.4% 15.9% 16.5%    
                4.78% 3.22% 2.23% 1.95% 1.71%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

...               386 381 378 385 383    
...               4,477 4,736 4,514 4,527 4,502    
                890 878 873 883 874    
... ... ... ... ... ... ... ... ... ... 1,339 1,464 1,381 ... ...
... ... ... ... ... ... ... ... ... ... ... 1,364 1,268 ... ...
... ... ... ... ... ... ... ... ... ... ... 87.9 97.0 ... ...
... ... ... ... ... ... ... ... ... ... 48.7% 55.7% 66.1% ... ...

Download Data
Comparison of 11 Companies within CEE Savings Banks

This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 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

Read more »

This Annual Statistical Dossier offers a comparison of 11 banks from CEE Savings Banks from 1996 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.

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.

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.

DSK Bank in Numbers

September 23, 2018
DSK Bank in Numbers

This Annual statistical dossier offers a summary of DSK Bank's performance between 2003 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,

Read more »

This Annual statistical dossier offers a summary of DSK Bank's performance between 2003 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 DSK Bank'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.

DSK Bank at a Glance

September 21, 2014
DSK Bank at a Glance

DSK Bank EAD is the biggest Bulgarian retail 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

Read more »

DSK Bank EAD is the biggest Bulgarian retail 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 378 branches and 873 ATMs in Bulgaria and employed over 4,500 persons. The Bank was founded in 1951 and is headquartered in Sofia, Bulgaria. It is owned by OTP Bank, Hungary's largest bank.

This report offers a summary of the bank's performance in 2003-2013. 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

DSK Bank in Numbers

September 13, 2014
DSK Bank in Numbers

DSK Bank EAD is the biggest Bulgarian retail 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

Read more »

DSK Bank EAD is the biggest Bulgarian retail 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 378 branches and 873 ATMs in Bulgaria and employed over 4,500 persons. The Bank was founded in 1951 and is headquartered in Sofia, Bulgaria. It is owned by OTP Bank, Hungary's largest bank.

This excel file offers a summary of the bank's performance in 2003-2013. 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 12 banks among CEE Savings Banks in 2017, Zagrebacka Banka had the highest share of bad loans, followed by DSK Bank and Banca Commerciala Romana.

Zagrebacka Banka's non-performing loans reached 11.4% of total loans

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Based on a comparison of 12 banks among CEE Savings Banks in 2017, Zagrebacka Banka had the highest share of bad loans, followed by DSK Bank and Banca Commerciala Romana.

Zagrebacka Banka's non-performing loans reached 11.4% of total loans at the end of 2017, down from 14.9% when compared to the previous year. Historically, the NPL ratio hit an all time high of 17.2% in 2014 and an all time low of 4.03% in 2007.

Provision coverage amounted to 11.2% at the end of 2017, down from 13.7% compared to a year earlier.

Comparing Zagrebacka Banka with its closest peers, DSK Bank operated at the end of 2017 with NPL ratio of 11.2% and provision coverage of 92.3%, Banca Commerciala Romana with 9.38% and 80.3% and OTP Group had 9.20% of bad loans covered with 99.3% by provisions at the end of 2017.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank had the most branches, followed by Erste Group Bank and OTP Group.

Sberbank operated a network of 16,342 branches at the end of 2017. That's compared

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Based on a comparison of 10 banks among CEE Savings Banks in 2017, Sberbank had the most branches, followed by Erste Group Bank and OTP Group.

Sberbank operated a network of 16,342 branches at the end of 2017. That's compared to 19,499 branches some 10 years ago.

Comparing Sberbank with its closest peers, Erste Group Bank operated a network of 2,565 branches in 2017, OTP Group had 1,488 branches and PKO BP had a network of 1,194 branches in 2017.

You can see all the banks branches data on the Branches indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by Erste Group Bank and PKO BP.

Sberbank reported total revenues of EUR 28,597 mil, up 20.8% compared to the previous

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Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank generated the largest revenues, followed by Erste Group Bank and PKO BP.

Sberbank reported total revenues of EUR 28,597 mil, up 20.8% 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 EUR 28,597 mil in 2017 and an all time low of EUR 3,225 mil in 2003. The average revenue in the last five years amounted to EUR 23,556 mil.

Bank's total revenues accounted for 7.02% of total assets in 2017, up from 6.69% a year earlier.

Comparing Sberbank with its closest peers, Erste Group Bank generated total revenues of EUR 6,669 mil, or 3.02% of assets in 2017, PKO BP operated with EUR 2,804 mil total income, or 4.06% revenue margin and OTP Group produced total income worth EUR 2,782 mil, or 6.54% of assets.

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

Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank was the largest deposit taker, followed by Erste Group Bank and PKO BP.

Sberbank's customer deposits reached EUR 297,711 mil, up from EUR 260,595 mil,

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Based on a comparison of 12 banks among CEE Savings Banks in 2017, Sberbank was the largest deposit taker, followed by Erste Group Bank and PKO BP.

Sberbank's customer deposits reached EUR 297,711 mil, up from EUR 260,595 mil, compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 297,711 mil in 2017 and an all time low of EUR 27,841 mil in 2001.

Comparing Sberbank with its closest peers, Erste Group Bank's deposits amounted to EUR 150,921 mil at the end of 2017, PKO BP operated with EUR 50,944 mil of customer deposits and Erste Savings Banks had clients' deposits of EUR 42,561 mil at the end of 2017.

You can see all the banks customers deposits data on the Customer Deposits indicator page or you can download a report on the CEE Savings Banks banks in the reports section.

See all charts of the company »
DSK Bank's net interest margin fell 15.2% to 3.91% in 2017
DSK Bank's customer deposits rose 5.44% to BGN 10,254 mil in 2017
DSK Bank's retail deposits rose 8.90% to BGN 8,215 mil in 2017
DSK Bank's net profit fell 6.03% to BGN 285 mil in 2017
DSK Bank's total revenues fell 5.28% to BGN 715 mil in 2017
DSK Bank's employees rose 4.13% to 4,872 in 2017
DSK Bank's corporate deposits rose 10.8% to BGN 1,776 mil in 2017
DSK Bank's mortgage loans fell 0.109% to BGN 2,130 mil in 2017
DSK Bank's npls (as % of loans) fell 18.5% to 11.2% in 2017
DSK Bank's corporate loans rose 9.07% to BGN 2,714 mil in 2017
DSK Bank's customer loans rose 6.59% to BGN 6,784 mil in 2017
DSK Bank's branches fell 1.34% to 367 in 2017
DSK Bank's capital adequacy ratio fell 2.45% to 17.1% in 2017
DSK Bank's consumer loans rose 3.06% to BGN 2,720 mil in 2017
DSK Bank's costs (as % of assets) rose 5.50% to 2.83% in 2017
DSK Bank's net interest income fell 11.1% to BGN 473 mil in 2017
DSK Bank's retail loan growth rose 149% to 1.65% in 2017
DSK Bank's customer loan growth rose 205% to 6.59% in 2017