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UniCredit Bulbank

Banking > Bulgaria > UniCredit Bulbank
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UniCredit Bulbank

UniCredit Bulbank is the biggest Bulgarian 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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UniCredit Bulbank is the biggest Bulgarian 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. The Bank is servicing over one million individual clients and households, high profile private customers, small and mid sized businesses, larger domestic and multinational corporates, municipalities and budget enterprises. UniCredit Bulbank is headquartered in Sofia, Bulgaria. It is a subsidiary of UniCredit Bank Austria AG

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summary Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

income statement

                      446 408 460 530 579    
                      650 646 704 788 785    
                      401 391 434 498 514    
                      233 218 176 285 340    

balance sheet

                      1,894 1,714 1,842 1,627 1,226    
                      7,874 8,614 9,530 11,112 10,322    
                      1,018 1,208 1,205 1,820 2,282    
                      11,973 12,669 13,537 15,984 18,879    
                      2,023 2,093 2,713 2,353 2,670    
                      2,221 1,892 2,425 2,635 2,610    
                      7,287 8,225 8,527 10,667 13,296    
                      217 219 220 198 136    

ratios

                      12.2% 10.6% 7.32% 11.2% 13.5%    
                      2.00% 1.77% 1.34% 1.93% 1.95%    
                      2.14% 2.07% 2.07% 1.96% 1.56%    
                      38.3% 39.5% 38.4% 36.8% 34.6%    
                      20.9% 18.3% 18.1% 19.2% 22.5%    
                      3.82% 3.31% 3.51% 3.59% 3.32%    
                      68.5% 63.2% 65.4% 67.2% 73.8%    
                      25.7% 24.3% 25.3% 24.4% 25.3%    
                      40.1% 40.6% 41.3% 42.5% 48.5%    
                      16.9% 16.5% 20.0% 14.7% 14.1%    
                      108% 105% 112% 104% 77.6%    
                      65.8% 68.0% 70.4% 69.5% 54.7%    
    ... ... ... ...           12.4% 13.0% 15.8% 13.3% 13.2%    
    ... ... ... ...           64.2% 62.1% 62.4% 65.8% 71.2%    

Download Data
income statement Unit
2000 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
                      653 642 643 696 696    
                      208 233 182 166 116    
                      446 408 460 530 579    
                      167 157 178 192 199    
                      37.5 80.4 66.1 66.4 6.67    
                      650 646 704 788 785    
                      99.8 104 112 123 132    
                      34.9 35.2 31.8 32.1 45.2    
                      114 116 127 135 94.4    
                      249 255 271 290 271    
                      401 391 434 498 514    
                      141 148 238 182 135    
                      2.32 0.000 0.000 0.000 -0.451    
                      258 243 196 317 379    
                      24.9 25.0 20.2 32.2 38.4    
                      0.000 0.000 0.000 0.000 0.000    
                      233 218 176 285 340    

growth rates

...                     3.88% -8.34% 12.7% 15.1% 9.34%    
...                     7.53% -6.15% 13.4% 8.05% 3.39%    
...                     6.02% -0.696% 9.08% 11.9% -0.466%    
...                     1.36% 2.30% 6.17% 7.16% -6.45%    
...                     9.14% -2.56% 11.0% 14.9% 3.01%    
...                     39.6% -5.88% -19.2% 61.5% 19.5%    
...                     39.7% -6.52% -19.2% 61.8% 19.6%    

market share

                      16.5% 16.9% 19.0% 20.2% 19.0%    
                      49.1% 41.5% 34.9% 40.0% 37.9%    
...                     11.1% 11.3% 12.6% 13.0% 13.6%    
... ... ... ...               5.77% 5.37% 5.52% 5.46% 5.02%    

Download Data
balance sheet Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

balance sheet

                      887 906 729 1,092 4,585    
                      1,894 1,714 1,842 1,627 1,226    
                      7,874 8,614 9,530 11,112 10,322    
                      2,421 2,435 2,789 2,868 2,979    
... ... ... ... ... ...           1,646 1,653 1,652 1,651 1,605    
... ... ... ... ... ...           775 781 1,137 1,217 1,374    
                      5,453 6,179 6,741 8,245 7,343    
                      1,018 1,208 1,205 1,820 2,282    
                      252 172 162 208 195    
                      11,973 12,669 13,537 15,984 18,879    
                      2,023 2,093 2,713 2,353 2,670    
                      0.000 0.000 0.000 0.000 0.000    
                      9,950 10,576 10,824 13,632 16,209    
                      2,221 1,892 2,425 2,635 2,610    
                      7,287 8,225 8,527 10,667 13,296    
                      3,562 3,967 4,260 4,466 5,475    
                      3,725 4,258 4,267 6,201 7,821    
... ... ... ... ... ... ... ... ... ... ... ... ... 3,241 4,407 5,743    
... ... ... ... ... ... ... ... ... ... ... ... ... 4,540 5,202 7,553    
                      217 219 220 198 136    
                      225 241 -348 131 167    

asset quality

    ... ... ... ...           1,058 1,217 1,667 1,613 1,505    
                      8,553 9,370 10,570 12,174 11,394    
                      680 756 1,040 1,062 1,071    

growth rates

...                     4.52% 9.40% 10.6% 16.6% -7.11%    
...                     3.36% 0.561% 14.6% 2.83% 3.87%    
... ... ... ... ... ... ...         4.51% 0.460% -0.084% -0.075% -2.78%    
... ... ... ... ... ... ...         1.00% 0.774% 45.5% 7.05% 12.9%    
...                     5.04% 13.3% 9.09% 22.3% -10.9%    
...                     5.57% 5.82% 6.85% 18.1% 18.1%    
...                     12.8% 3.49% 29.6% -13.3% 13.5%    
...                     11.5% 12.9% 3.67% 25.1% 24.6%    
...                     8.67% 11.3% 7.39% 4.83% 22.6%    
...                     14.3% 14.3% 0.207% 45.3% 26.1%    

market share

                      14.5% 15.5% 17.1% 21.6% 20.4%    
                      16.3% 17.6% 19.2% 26.6% 24.1%    
... ... ... ... ... ...           7.73% 7.99% 11.5% 12.6% 14.5%    
                      12.8% 13.0% 14.9% 15.6% 16.4%    
... ... ... ... ... ...           18.5% 18.5% 18.7% 18.9% 18.6%    
                      19.9% 19.6% 19.4% 22.8% 24.8%    
                      13.6% 14.2% 13.6% 16.6% 19.9%    
                      11.5% 11.5% 11.3% 11.4% 12.9%    
                      27.2% 29.8% 27.6% 40.4% 42.9%    

Download Data
ratios Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

ratios

                      12.2% 10.6% 7.32% 11.2% 13.5%    
                      2.00% 1.77% 1.34% 1.93% 1.95%    
                      2.14% 2.07% 2.07% 1.96% 1.56%    
                      38.3% 39.5% 38.4% 36.8% 34.6%    
                      20.9% 18.3% 18.1% 19.2% 22.5%    
                      18.2% 17.6% 18.1% 19.2% 22.3%    
                      3.82% 3.31% 3.51% 3.59% 3.32%    
...                     3.47% 2.94% 3.20% 3.36% 3.21%    
                      5.60% 5.21% 4.91% 4.72% 3.99%    
...                     2.13% 2.27% 1.70% 1.36% 0.779%    
                      68.5% 63.2% 65.4% 67.2% 73.8%    
                      25.7% 24.3% 25.3% 24.4% 25.3%    
                      5.76% 12.4% 9.38% 8.42% 0.849%    
                      1,578 1,495 1,526 1,637 1,548    
                      2,219 2,275 2,249 2,484 2,637    
                      40.1% 40.6% 41.3% 42.5% 48.5%    
                      16.9% 16.5% 20.0% 14.7% 14.1%    
                      108% 105% 112% 104% 77.6%    
                      65.8% 68.0% 70.4% 69.5% 54.7%    
    ... ... ... ...           12.4% 13.0% 15.8% 13.3% 13.2%    
    ... ... ... ...           64.2% 62.1% 62.4% 65.8% 71.2%    
                      8.63% 8.78% 10.9% 9.56% 10.4%    
                      1.83% 1.80% 2.62% 1.76% 1.26%    

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other data Unit
2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

other data

                      218 206 208 203 185    
                      3,750 3,793 4,139 4,136 4,161    
... ... ... ... ... ... ... ... ... ... ... ... ... 38.0% 41.3% 43.2%    

Download Data
Comparison of 11 Companies within UniCredit New Europe

This Annual Statistical Dossier offers a comparison of 11 banks from UniCredit New Europe from 1958 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

Read more »

This Annual Statistical Dossier offers a comparison of 11 banks from UniCredit New Europe from 1958 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.

UniCredit Bulbank in Numbers

This Annual statistical dossier offers a summary of UniCredit Bulbank's performance between 2000 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 UniCredit Bulbank's performance between 2000 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 Bulbank'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.

UniCredit Bulbank AS at a Glance

UniCredit Bulbank is the biggest Bulgarian 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 »

UniCredit Bulbank is the biggest Bulgarian 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. The Bank is servicing over one million individual clients and households, high profile private customers, small and mid sized businesses, larger domestic and multinational corporates, municipalities and budget enterprises. UniCredit Bulbank AD is headquartered in Sofia, Bulgaria. It is a subsidiary of UniCredit Bank Austria AG.

This report offers a summary of the bank's performance in 2000-2013. 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

UniCredit Bulbank in Numbers

UniCredit Bulbank is the biggest Bulgarian 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 »

UniCredit Bulbank is the biggest Bulgarian 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. The Bank is servicing over one million individual clients and households, high profile private customers, small and mid sized businesses, larger domestic and multinational corporates, municipalities and budget enterprises. UniCredit Bulbank AD is headquartered in Sofia, Bulgaria. It is a subsidiary of UniCredit Bank Austria AG.

This excel file offers a summary of the bank's performance in 2000-2013. 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 among UniCredit New Europe in 2017, Yapi Kredi Bank generated the largest fee income, followed by Zagrebacka Banka and UniCredit Bank Hungary.

Yapi Kredi Bank reported total fee income of EUR 803 mil,

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Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank generated the largest fee income, followed by Zagrebacka Banka and UniCredit Bank Hungary.

Yapi Kredi Bank reported total fee income of EUR 803 mil, down 6.94% compared to the previous year. Historically, the bank’s fee income reached an all time high of EUR 936 mil in 2010 and an all time low of EUR 2.40 mil in 2003.

Comparing Yapi Kredi Bank with its closest peers, Zagrebacka Banka generated total fee income of EUR 178 mil, UniCredit Bank Hungary operated with EUR 134 mil fee income and UniCredit Czech Republic produced total fees worth EUR 132 mil.

You can see all the banks fee income data on the Fee Income indicator page or you can download a report on the UniCredit New Europe banks in the reports section.

Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank generated the largest revenues, followed by UniCredit Bank Russia and Zagrebacka Banka.

Yapi Kredi Bank reported total revenues of EUR 3,318 mil,

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Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank generated the largest revenues, followed by UniCredit Bank Russia and Zagrebacka Banka.

Yapi Kredi Bank reported total revenues of EUR 3,318 mil, down 4.29% 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 EUR 3,466 mil in 2016 and an all time low of EUR 868 mil in 2003. The average revenue in the last five years amounted to EUR 3,073 mil.

Bank's total revenues accounted for 4.28% of total assets in 2017, down from 4.40% a year earlier.

Comparing Yapi Kredi Bank with its closest peers, UniCredit Bank Russia generated total revenues of EUR 776 mil, or 4.36% of assets in 2017, Zagrebacka Banka operated with EUR 723 mil total income, or 4.30% revenue margin and UniCredit Czech Republic produced total income worth EUR 708 mil, or 2.77% of assets.

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

Based on a comparison of 10 banks among UniCredit New Europe, Yapi Kredi Bank produced the highest net profit in 2017, followed by UniCredit Czech Republic and UniCredit Bank Russia.

Yapi Kredi Bank made a net profit of EUR 876 mil,

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Based on a comparison of 10 banks among UniCredit New Europe, Yapi Kredi Bank produced the highest net profit in 2017, followed by UniCredit Czech Republic and UniCredit Bank Russia.

Yapi Kredi Bank made a net profit of EUR 876 mil, up 2.84% compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 1,452 mil in 2012 and an all time low of EUR -2,197 mil in 2001. The average profit in the last five years amounted to EUR 968 mil.

The bank generated an average return on equity of 14.1% for its shareholders in the last five years with a maximum of 22.0% and a minimum of 11.8%.

Comparing Yapi Kredi Bank with its closest peers, UniCredit Czech Republic generated a net profit of EUR 290 mil with a ROE of 11.0% in 2017, UniCredit Bank Russia netted EUR 271 mil (ROE of 9.46%) and UniCredit Bulbank announced a net profit of EUR 211 mil giving a ROE of 13.4%.

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

Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank was the largest lender, followed by UniCredit Czech Republic and Zagrebacka Banka.

Yapi Kredi Bank loans reached EUR 48,946 mil, down 5.65% compared

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Based on a comparison of 10 banks among UniCredit New Europe in 2017, Yapi Kredi Bank was the largest lender, followed by UniCredit Czech Republic and Zagrebacka Banka.

Yapi Kredi Bank loans reached EUR 48,946 mil, down 5.65% compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 54,207 mil in 2015 and an all time low of EUR 1,102 mil in 1990.

Comparing Yapi Kredi Bank with its closest peers, UniCredit Czech Republic customer loans amounted to EUR 14,692 mil, Zagrebacka Banka operated with EUR 10,237 mil loans and UniCredit Bank Russia had a loan portfolio of EUR 10,045 mil.

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

See all charts of the company »
Bulbank's net profit rose 14.1% to BGN 412 mil in 2017
Bulbank's net profit rose 14.1% to BGN 412 mil in 2017
Bulbank's customer deposits rose 4.55% to BGN 15,513 mil in 2017
Bulbank's retail deposits rose 12.0% to BGN 6,627 mil in 2017
Bulbank's customer loans fell 2.24% to BGN 10,629 mil in 2017
Bulbank's total revenues rose 1.22% to BGN 868 mil in 2017
Bulbank's net interest margin fell 1.63% to 2.92% in 2017
Bulbank's consumer loans rose 6.57% to BGN 1,584 mil in 2017
Bulbank's corporate deposits fell 0.415% to BGN 8,886 mil in 2017
Bulbank's mortgage loans rose 5.88% to BGN 1,754 mil in 2017