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Societe Generale Expressbank

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Societe Generale Expressbank

Societe Generale Expressbank AD is a Bulgaria-based commercial bank. The Group is composed by the bank Societe Generale Expressbank and its subsidiary companies – Sogelease Bulgaria, Societe Generale Factoring and its associate life insurance company Sogelife Bulgaria. 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,

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Societe Generale Expressbank AD is a Bulgaria-based commercial bank. The Group is composed by the bank Societe Generale Expressbank and its subsidiary companies – Sogelease Bulgaria, Societe Generale Factoring and its associate life insurance company Sogelife Bulgaria. 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. At the end of 2013, the Bank operated 149 branches and employed over 1,600 persons in Bulgaria. Societe Generale Expressbank AD is headquartered in Varna, Bulgaria. The Bank is a subsidiary of Societe Generale Paris

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

income statement

...               125 124 124 135 154    
...               174 173 173 185 219    
...               80.2 83.2 81.2 88.7 110    
...               51.6 53.5 26.1 54.7 74.9    

balance sheet

...               271 37.4 253 130 518    
...               2,515 2,719 2,734 3,084 3,250    
...               154 169 184 481 589    
...               3,465 3,807 3,952 4,886 5,742    
...               428 483 508 561 614    
...               860 900 688 667 694    
...               2,046 2,272 2,599 3,542 4,325    
...               97.0 107 97.8 51.4 45.6    

ratios

...               12.8% 11.7% 5.27% 10.2% 12.7%    
...               1.59% 1.47% 0.674% 1.24% 1.41%    
...               2.88% 2.48% 2.36% 2.19% 2.05%    
...               53.8% 52.0% 52.9% 52.1% 49.7%    
...               12.6% 11.5% 13.3% 13.6% 13.7%    
...               3.85% 3.41% 3.19% 3.06% 2.89%    
...               71.9% 71.5% 71.7% 73.0% 70.2%    
...               20.0% 21.3% 22.2% 23.5% 21.8%    
...               34.3% 37.5% 40.0% 41.7% 38.1%    
...               12.4% 12.7% 12.9% 11.5% 10.7%    
...               123% 120% 105% 87.1% 75.1%    
...               72.6% 71.4% 69.2% 63.1% 56.6%    
...               5.86% 6.72% 13.0% 10.7% 10.9%    
...               68.3% 64.5% 44.4% 55.3% 57.4%    

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
...               188 190 188 195 196    
...               63.0 66.2 64.6 59.6 42.1    
...               125 124 124 135 154    
...               34.8 36.9 38.3 43.6 47.8    
...               14.1 12.4 10.5 6.42 17.5    
...               174 173 173 185 219    
...               32.1 33.8 36.6 40.3 41.5    
...               15.7 16.4 17.1 17.0 11.2    
...               45.8 39.9 37.8 39.4 56.3    
...               93.6 90.1 91.4 96.7 109    
...               80.2 83.2 81.2 88.7 110    
...               22.9 23.6 52.1 27.5 26.4    
...               0.000 0.000 0.000 0.000 0.000    
...               57.3 59.6 29.1 61.2 83.7    
...               5.69 6.01 2.83 6.61 8.76    
...               0.000 0.150 0.133 -0.084 0.023    
...               51.6 53.5 26.1 54.7 74.9    

growth rates

... ...             19.0% -0.836% -0.109% 9.32% 13.6%    
... ...             2.14% 6.22% 3.71% 13.9% 9.54%    
... ...             14.3% -0.305% -0.396% 7.40% 18.2%    
... ...             6.66% -3.73% 1.42% 5.77% 12.8%    
... ...             24.6% 3.69% -2.36% 9.23% 24.1%    
... ...             66.7% 3.99% -51.2% 110% 36.7%    
... ...             66.7% 3.52% -51.1% 109% 37.0%    

market share

...               4.42% 4.54% 4.66% 4.75% 5.31%    
...               10.9% 10.2% 5.19% 7.70% 8.34%    
                4.68% 4.64% 4.91% 5.13% 5.32%    
                3.23% 3.32% 3.92% 4.56% 5.09%    
... ... ... ... ...       3.97% 3.89% 3.95% 3.98% 4.02%    

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

balance sheet

...               212 514 327 735 808    
...               271 37.4 253 130 518    
...               2,515 2,719 2,734 3,084 3,250    
... ... ...           783 835 901 1,053 1,234    
... ... ...           191 219 254 374 405    
... ... ...           592 615 648 751 829    
... ... ...           1,732 1,884 1,833 2,032 2,096    
...               154 169 184 481 589    
...               106 110 113 86.5 61.7    
...               3,465 3,807 3,952 4,886 5,742    
...               428 483 508 561 614    
...               0.000 0.270 0.403 0.317 0.349    
...               3,037 3,324 3,444 4,325 5,128    
...               860 900 688 667 694    
...               2,046 2,272 2,599 3,542 4,325    
...               1,151 1,384 1,596 2,360 2,913    
...               895 887 1,003 1,182 1,412    
... ... ... ... ... ... ... ... ... ... ... 1,143 1,610    
... ... ... ... ... ... ... ... ... ... ... 2,399 2,715    
...               97.0 107 97.8 51.4 45.6    
...               33.9 44.5 59.6 64.2 62.8    

asset quality

...               153 191 378 350 378    
...               2,620 2,842 2,902 3,277 3,467    
...               105 123 168 193 217    

growth rates

... ...             6.30% 8.09% 0.575% 12.8% 5.37%    
... ... ... ...         4.54% 6.62% 7.97% 16.8% 17.2%    
... ... ... ...         17.5% 15.0% 15.6% 47.6% 8.07%    
... ... ... ...         0.954% 3.92% 5.25% 16.0% 10.4%    
... ... ... ...         7.11% 8.75% -2.70% 10.8% 3.18%    
... ...             14.3% 9.87% 3.82% 23.6% 17.5%    
... ...             13.8% 12.8% 5.12% 10.5% 9.45%    
... ...             20.7% 11.0% 14.4% 36.3% 22.1%    
... ...             12.9% 20.3% 15.3% 47.9% 23.4%    
... ...             32.4% -0.874% 13.1% 17.8% 19.5%    

market share

...               4.64% 4.88% 4.90% 5.98% 6.41%    
... ... ...           5.19% 5.37% 5.22% 6.55% 6.88%    
... ... ...           5.91% 6.30% 6.57% 7.80% 8.73%    
... ... ...           4.14% 4.46% 4.82% 5.73% 6.80%    
... ... ...           2.15% 2.45% 2.87% 4.28% 4.68%    
...               5.77% 5.90% 5.67% 6.96% 7.54%    
...               3.83% 3.92% 4.13% 5.52% 6.47%    
...               3.73% 4.01% 4.23% 6.01% 6.84%    
...               6.54% 6.22% 6.49% 7.70% 7.75%    

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

ratios

...               12.8% 11.7% 5.27% 10.2% 12.7%    
...               1.59% 1.47% 0.674% 1.24% 1.41%    
...               2.88% 2.48% 2.36% 2.19% 2.05%    
...               53.8% 52.0% 52.9% 52.1% 49.7%    
...               12.6% 11.5% 13.3% 13.6% 13.7%    
... ...             10.4% 11.2% 12.2% 12.8% 13.1%    
...               3.85% 3.41% 3.19% 3.06% 2.89%    
... ...             3.57% 3.15% 2.95% 2.88% 2.80%    
...               5.79% 5.23% 4.86% 4.41% 3.69%    
... ...             2.21% 2.08% 1.91% 1.54% 0.891%    
...               71.9% 71.5% 71.7% 73.0% 70.2%    
...               20.0% 21.3% 22.2% 23.5% 21.8%    
...               8.11% 7.18% 6.10% 3.46% 7.98%    
...               1,200 1,190 1,287 1,358 1,245    
...               1,688 1,811 1,896 2,061 2,121    
...               34.3% 37.5% 40.0% 41.7% 38.1%    
...               12.4% 12.7% 12.9% 11.5% 10.7%    
...               123% 120% 105% 87.1% 75.1%    
...               72.6% 71.4% 69.2% 63.1% 56.6%    
...               5.86% 6.72% 13.0% 10.7% 10.9%    
...               68.3% 64.5% 44.4% 55.3% 57.4%    
...               4.17% 4.53% 6.14% 6.26% 6.68%    
...               0.939% 0.901% 1.91% 0.945% 0.833%    

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

other data

... ... ... ... ...       150 149 149 148 148    
                1,585 1,555 1,607 1,628 1,631    
                0.377 0.398 0.424 0.437 0.475    
                258 274 303 335 371    
... ... ... ... ... ... ... ... ... ... ... 32.3% 37.2%    

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.

Societe Generale Expressbank in Numbers

This Annual statistical dossier offers a summary of Societe Generale Expressbank'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

Read more »

This Annual statistical dossier offers a summary of Societe Generale Expressbank'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 SG Expressbank'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.

Societe Generale Expressbank at a Glance

Societe Generale Expressbank AD is a Bulgaria-based commercial bank. The Group is composed by the bank Societe Generale Expressbank and its subsidiary companies – Sogelease Bulgaria, Societe Generale Factoring and its associate life insurance company Sogelife Bulgaria. The Bank offers a wide range of banking and other financial services to commercial and private

Read more »

Societe Generale Expressbank AD is a Bulgaria-based commercial bank. The Group is composed by the bank Societe Generale Expressbank and its subsidiary companies – Sogelease Bulgaria, Societe Generale Factoring and its associate life insurance company Sogelife Bulgaria. 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. At the end of 2013, the Bank operated 149 branches and employed over 1,600 persons in Bulgaria. Societe Generale Expressbank AD is headquartered in Varna, Bulgaria. The Bank is a subsidiary of Societe Generale Paris.

This report offers a summary of the bank's performance in 2004-2013. 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

Societe Generale Expressbank in Numbers

Societe Generale Expressbank AD is a Bulgaria-based commercial bank. The Group is composed by the bank Societe Generale Expressbank and its subsidiary companies – Sogelease Bulgaria, Societe Generale Factoring and its associate life insurance company Sogelife Bulgaria. The Bank offers a wide range of banking and other financial services to commercial and private

Read more »

Societe Generale Expressbank AD is a Bulgaria-based commercial bank. The Group is composed by the bank Societe Generale Expressbank and its subsidiary companies – Sogelease Bulgaria, Societe Generale Factoring and its associate life insurance company Sogelife Bulgaria. 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. At the end of 2013, the Bank operated 149 branches and employed over 1,600 persons in Bulgaria. Societe Generale Expressbank AD is headquartered in Varna, Bulgaria. The Bank is a subsidiary of Societe Generale Paris.

This excel file offers a summary of the bank's performance in 2004-2013. 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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SG Expressbank's mortgage loans rose 13.2% to BGN 520 mil in 2017
SG Expressbank's net profit rose 18.3% to BGN 109 mil in 2017
SG Expressbank's net profit rose 18.3% to BGN 109 mil in 2017
SG Expressbank's customer loans rose 8.68% to BGN 4,316 mil in 2017
SG Expressbank's customer deposits rose 8.34% to BGN 5,219 mil in 2017
SG Expressbank's total revenues rose 8.63% to BGN 265 mil in 2017
SG Expressbank's retail deposits rose 6.19% to BGN 3,295 mil in 2017
SG Expressbank's payment cards rose 6.77% to 426 '000 in 2017
SG Expressbank's npls (as % of loans) rose 8.27% to 10.9% in 2017
SG Expressbank's net interest margin fell 4.04% to 2.66% in 2017