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Eurobank Bulgaria

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Eurobank Bulgaria

Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. 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

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Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. 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 195 branches and held a 8% market share in terms of assets in Bulgaria. The Bank was formerly known as Eurobank EFG Bulgaria AD and changed its name to Eurobank Bulgaria AD in January 2013. The Bank was founded in 1991 and is headquartered in Sofia, Bulgaria

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summary Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                    244 210 196 211 236    
                    300 266 254 273 298    
                    141 111 102 124 160    
                    7.45 1.13 18.5 0.677 84.1    

balance sheet

                    848 668 846 1,487 110    
                    4,155 4,035 3,883 3,834 3,896    
                    178 192 158 192 564    
                    5,991 5,637 5,693 6,138 5,753    
                    787 795 821 817 914    
                    92.0 106 68.9 18.9 19.9    
                    4,718 4,413 4,520 5,077 4,605    
                    339 269 240 180 161    

ratios

                    0.949% 0.142% 2.29% 0.083% 9.71%    
                    0.121% 0.019% 0.326% 0.011% 1.41%    
                    2.59% 2.66% 2.69% 2.52% 2.32%    
                    53.0% 58.2% 59.9% 54.7% 46.3%    
... ... ...               15.4% 17.1% 16.8% 16.8% 24.7%    
                    3.96% 3.61% 3.45% 3.57% 3.98%    
                    81.1% 79.0% 77.1% 77.4% 79.3%    
                    18.0% 20.7% 22.4% 21.9% 20.2%    
                    42.3% 39.1% 38.7% 40.5% 37.2%    
                    13.1% 14.1% 14.4% 13.3% 15.9%    
                    88.1% 91.4% 85.9% 75.5% 84.6%    
                    69.3% 71.6% 68.2% 62.5% 67.7%    
... ... ... ... ...           9.60% 8.59% 9.74% 11.9% 10.4%    
... ... ... ... ...           58.0% 85.3% 91.9% 92.3% 111%    

Download Data
income statement Unit
2001 2002 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
                    480 417 371 354 304    
                    236 207 175 143 67.4    
                    244 210 196 211 236    
                    54.1 55.1 56.9 59.7 60.1    
                    2.62 0.799 1.28 1.95 1.53    
                    300 266 254 273 298    
                    67.4 60.6 58.9 60.4 51.3    
                    10.7 11.1 9.11 13.9 11.8    
                    81.3 83.2 84.2 74.9 74.7    
                    159 155 152 149 138    
                    141 111 102 124 160    
                    133 110 80.9 123 66.6    
                    < -0.001 < -0.001 0 < 0.001 0    
                    8.29 1.39 20.9 0.773 93.5    
                    0.845 0.261 2.37 0.096 9.44    
                    0 0 0 0 0    
                    7.45 1.13 18.5 0.677 84.1    

growth rates

...                   -9.33% -13.8% -6.81% 7.95% 11.9%    
...                   -1.75% 1.83% 3.35% 4.96% 0.671%    
...                   -8.71% -11.5% -4.51% 7.50% 9.18%    
...                   -4.30% -2.80% -1.75% -1.94% -7.59%    
...                   -13.2% -21.3% -8.36% 21.6% 29.4%    
...                   -78.5% -83.3% 1,404% -96.3% 12,000%    
...                   -78.7% -84.9% 1,542% -96.3% 12,323%    

market share

                    7.65% 6.97% 6.85% 7.00% 7.22%    
                    1.57% 0.214% 3.67% 0.095% 9.36%    
          ... ... ... ... ... 8.43% 8.05% 7.94% 7.82% 7.20%    
... ... ... ... ... ... ... ... ... ... 5.45% 5.22% 5.17% 5.05% 5.08%    

Download Data
balance sheet Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                    699 618 701 527 1,088    
                    848 668 846 1,487 110    
                    4,155 4,035 3,883 3,834 3,896    
                    1,812 1,986 2,002 2,033 2,038    
... ... ... ... ...           1,008 1,212 1,238 1,301 1,331    
... ... ... ... ...           804 774 764 732 706    
                    2,343 2,049 1,881 1,801 1,858    
                    178 192 158 192 564    
                    99.0 91.0 87.0 78.1 74.7    
                    5,991 5,637 5,693 6,138 5,753    
                    787 795 821 817 914    
                    0 0 0 0 0    
                    5,204 4,842 4,872 5,321 4,838    
                    92.0 106 68.9 18.9 19.9    
                    4,718 4,413 4,520 5,077 4,605    
                    3,386 3,622 3,821 4,195 3,909    
                    1,332 791 699 883 696    
                    339 269 240 180 161    
                    55.0 53.9 43.4 44.4 52.9    

asset quality

... ... ... ... ...           422 374 415 514 460    
                    4,400 4,354 4,264 4,308 4,407    
                    245 319 382 474 511    

growth rates

...                   -0.033% -2.88% -3.78% -1.25% 1.61%    
...                   -4.04% 9.61% 0.804% 1.58% 0.224%    
... ... ... ... ... ...         0.924% 20.3% 2.14% 5.13% 2.31%    
... ... ... ... ... ...         -9.60% -3.77% -1.30% -4.16% -3.48%    
...                   3.30% -12.5% -8.22% -4.27% 3.18%    
...                   -5.05% -5.90% 0.997% 7.82% -6.28%    
...                   0.598% 1.05% 3.24% -0.441% 11.8%    
...                   1.64% -6.45% 2.42% 12.3% -9.31%    
...                   6.60% 6.98% 5.51% 9.76% -6.81%    
...                   -9.09% -40.6% -11.7% 26.3% -21.2%    

market share

                    7.67% 7.25% 6.95% 7.44% 7.68%    
                    7.02% 5.84% 5.36% 5.81% 6.10%    
... ... ... ... ...           8.02% 7.92% 7.75% 7.60% 7.44%    
                    9.59% 10.6% 10.7% 11.1% 11.2%    
... ... ... ... ...           11.4% 13.6% 14.0% 14.9% 15.4%    
                    9.97% 8.73% 8.17% 8.75% 7.56%    
                    8.82% 7.62% 7.19% 7.91% 6.89%    
                    11.0% 10.5% 10.1% 10.7% 9.18%    
                    9.74% 5.55% 4.52% 5.75% 3.82%    

Download Data
ratios Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                    0.949% 0.142% 2.29% 0.083% 9.71%    
                    0.121% 0.019% 0.326% 0.011% 1.41%    
                    2.59% 2.66% 2.69% 2.52% 2.32%    
                    53.0% 58.2% 59.9% 54.7% 46.3%    
... ... ...               15.4% 17.1% 16.8% 16.8% 24.7%    
                    3.96% 3.61% 3.45% 3.57% 3.98%    
...                   3.40% 3.05% 2.94% 3.18% 3.78%    
                    7.81% 7.18% 6.54% 5.98% 5.11%    
...                   4.41% 4.12% 3.60% 2.80% 1.33%    
                    81.1% 79.0% 77.1% 77.4% 79.3%    
                    18.0% 20.7% 22.4% 21.9% 20.2%    
                    0.873% 0.300% 0.503% 0.713% 0.513%    
          ... ... ... ... ... 1,396 1,229 1,281 1,337 1,138    
          ... ... ... ... ... 1,964 1,871 1,888 2,029 1,938    
                    42.3% 39.1% 38.7% 40.5% 37.2%    
                    13.1% 14.1% 14.4% 13.3% 15.9%    
                    88.1% 91.4% 85.9% 75.5% 84.6%    
                    69.3% 71.6% 68.2% 62.5% 67.7%    
... ... ... ... ...           9.60% 8.59% 9.74% 11.9% 10.4%    
... ... ... ... ...           58.0% 85.3% 91.9% 92.3% 111%    
                    5.89% 7.90% 9.83% 12.4% 13.1%    
                    3.20% 2.68% 2.04% 3.19% 1.72%    

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other data Unit
2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

... ... ... ... ... ... ... ... ... ... 206 200 195 188 187    
          ... ... ... ... ... 2,859 2,700 2,600 2,480 2,207    
... ... ... ... ... ... ... ... ... ... ... ... ... 1.50 ... ... ...

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.

Eurobank Bulgaria in Numbers

This Annual statistical dossier offers a summary of Eurobank Bulgaria's performance between 2001 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

Read more »

This Annual statistical dossier offers a summary of Eurobank Bulgaria's performance between 2001 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 Eurobank Bulgaria'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.

Eurobank Bulgaria at a Glance

Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. 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

Read more »

Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. 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 195 branches and held a 8% market share in terms of assets in Bulgaria. The Bank was formerly known as Eurobank EFG Bulgaria AD and changed its name to Eurobank Bulgaria AD in January 2013. The Bank was founded in 1991 and is headquartered in Sofia, Bulgaria.

This report offers a summary of the bank's performance in 2001-2013. 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

Eurobank Bulgaria in Numbers

Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. 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

Read more »

Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. 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 195 branches and held a 8% market share in terms of assets in Bulgaria. The Bank was formerly known as Eurobank EFG Bulgaria AD and changed its name to Eurobank Bulgaria AD in January 2013. The Bank was founded in 1991 and is headquartered in Sofia, Bulgaria.

This excel file offers a summary of the bank's performance in 2001-2013. 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 11 banks in Bulgaria in 2016, UniCredit Bulbank was paying its employees the best, followed by Eurobank Bulgaria and United Bulgarian Bank.

UniCredit Bulbank employed 4,149 persons in 2016, down 0.288% when compared

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Based on a comparison of 11 banks in Bulgaria in 2016, UniCredit Bulbank was paying its employees the best, followed by Eurobank Bulgaria and United Bulgarian Bank.

UniCredit Bulbank employed 4,149 persons in 2016, down 0.288% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,708 persons in 2006 and an all time low of 1,760 in 2004.

Average cost reached BGN 2,643 per month per employee, 0.226% more than a year ago. This figure was BGN 1,512 per month some 10 years ago.

Staff accounted for 47.9% of total operating expenditures in 2016.

Comparing UniCredit Bulbank with its closest peers, Eurobank Bulgaria had 2,200 employees with average cost of BGN 2,577 per month per person, United Bulgarian Bank operated with 2,620 people (and BGN 2,373 per month per employee) and Raiffeisenbank Bulgaria had 2,736 employees in 2016 with cost of BGN 2,290 per month per head.

The average staff cost per employee reached BGN 2,074 per month 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 11 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 11 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 2,001 per month per month per employee, 3.21% more than a year ago. This figure was BGN 1,511 per month some 10 years ago.

Comparing DSK Bank with its closest peers, UniCredit Bulbank had 4,149 employees with average cost of BGN 2,643 per month per person, First Investment Bank operated with 3,322 people (and BGN 1,531 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 11 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.

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Based on a comparison of 11 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 2,111 per month per month per employee, 5.47% more than a year ago. This figure was BGN 1,288 per month some 10 years ago.

Comparing DSK Bank with its closest peers, UniCredit Bulbank had 4,147 employees with average cost of BGN 2,789 per month per person, First Investment Bank operated with 3,221 people (and BGN 1,681 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.

Based on a comparison of 11 banks in Bulgaria in 2017, UniCredit Bulbank was paying its employees the best, followed by Raiffeisenbank Bulgaria and Eurobank Bulgaria.

UniCredit Bulbank employed 4,147 persons in 2017, down 0.048% when

Read more »

Based on a comparison of 11 banks in Bulgaria in 2017, UniCredit Bulbank was paying its employees the best, followed by Raiffeisenbank Bulgaria and Eurobank Bulgaria.

UniCredit Bulbank employed 4,147 persons in 2017, down 0.048% when compared to the previous year. Historically, the bank's workforce hit an all time high of 4,708 persons in 2006 and an all time low of 1,760 in 2004.

Average cost reached BGN 2,789 per month per employee, 5.52% more than a year ago. This figure was BGN 2,125 per month some 10 years ago.

Staff accounted for 50.6% of total operating expenditures in 2017.

Comparing UniCredit Bulbank with its closest peers, Raiffeisenbank Bulgaria had 2,711 employees with average cost of BGN 2,382 per month per person, Eurobank Bulgaria operated with 2,200 people (and BGN 2,354 per month per employee) and United Bulgarian Bank had 2,600 employees in 2017 with cost of BGN 2,255 per month per head.

The average staff cost per employee reached BGN 2,208 per month 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.

See all charts of the company »
Eurobank Bulgaria's net profit rose 14.0% to BGN 136 mil in 2017
Eurobank Bulgaria's mortgage loans rose 5.35% to BGN 1,579 mil in 2017
Eurobank Bulgaria's employees remain unchanged at 2,200 in 2017
Eurobank Bulgaria's total revenues rose 1.22% to BGN 371 mil in 2017
Eurobank Bulgaria's customer deposits rose 10.1% to BGN 6,080 mil in 2017
Eurobank Bulgaria's customer loans rose 14.6% to BGN 4,829 mil in 2017
Eurobank Bulgaria's costs (as % of assets) fell 18.5% to 2.11% in 2017
Eurobank Bulgaria's retail deposits rose 4.94% to BGN 4,650 mil in 2017
Eurobank Bulgaria's corporate deposits rose 30.8% to BGN 1,430 mil in 2017
Eurobank Bulgaria's npls (as % of loans) fell 25.0% to 8.82% in 2017
Eurobank Bulgaria's corporate loans rose 23.9% to BGN 2,602 mil in 2017
Eurobank Bulgaria's net interest margin fell 8.27% to 3.99% in 2017
Eurobank Bulgaria's net interest income rose 3.91% to BGN 284 mil in 2017
Eurobank Bulgaria's consumer loans rose 5.30% to BGN 648 mil in 2017
Eurobank Bulgaria's customer loan growth rose 78.2% to 14.6% in 2017
Eurobank Bulgaria's retail loan growth rose 42.7% to 5.34% in 2017