UniCredit Bulbank
Short profile
Part of a leading European financial group and number one Bulgarian bank, which is easy to deal with, whose people deliver concrete answers, real benefits and positive impact for the challenges and opportunities customers face in real life today.
Accelerate
Response time and problem solving.
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UNICREDIT BULBANK AT A GLANCE
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THE UNDAMENTALS: VALUES AND MISSION
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FIRST 50 AS NUMBER ONE FOR THE NEXT 50
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RECENT AWARDS
4
UNICREDIT BULBANK IS THE INDISPUTABLE
NUMBER ONE BANK IN BULGARIA
Employees : ~ 3600**
Clients: over
1 million
Branches: ~ 200
Number 1
in assets: BGN 13.9 billion
(~ 7.1 billion euro)
Number 1
in shareholders’ equity:
BGN 2.2 billion (~ 1.12 billion euro)
Number 1
in deposits from clients:
BGN 9.9 billion (~ 5.05 billion euro)
Number 1
in loans and advances to customers:
BGN 9.9 billion (~ 5.05 billion euro)***
*1 euro = BGN 1.95583; data as of September 30, 2014 **Total number of employees of UniCredit in Bulgaria including subsidiaries is above 4100. ***Total volume of loans, including UniCredit Consumer Financing and UniCredit Leasing is above 10.6 billion BGN
MARKET LEADER IN COMMERCIAL BANKING
UniCredit Bulbank holds Number one positions in:
Corporate banking;
Private banking;
Investment banking;
among top players in Retail banking.
Individuals and SME can choose a tailor-made solution for
their savings, as well as rely on various loan offers, cards, online banking, mobile banking, current accounts, investment, insurance and pension products.
UniCredit Bulbank provides to its corporate customers a
comprehensive range of banking products and services.
The Bank offers various cash management products and flexible opportunities for financing.
UniCredit Bulbank is a top player in the country on the Bulgarian and international finance and capital markets.
Number one in loans to companies: 7.15 billion BGN Number one in deposits from companies: 5.06 billion BGN
Long term
BB+
CREDIT RATING BBB-/Stable/A-3 BY STANDARD AND POOR’S
Outlook
Stable
Short term
B
UniCredit Bulbank has the highest possible rating from S&P in Bulgaria;
The bank’s rating is equal to the country rating of Bulgaria;
Standard and Poor’s considers UniCredit Bulbank to be a strategically
important subsidiary of UniCredit;
The agency confirms that the stable outlook reflects that the bank's financial
profile will remain generally unchanged over the next two years.
Return on assets (ROA)
1.9%
TOP POSITION ON EFFICIENCY
AND PROFITABILITY INDICATORS
Return on equity (ROE)
11.9%
Cost/Income ratio
36.7%
UniCredit Bulbank is among the best banks on the market in terms of
operational efficiency and financial stability.
The total capital adequacy of the bank is 21%, way above the minimal
requirement of the central bank of 12%.
Resolve
Anytime, anywhere.
9
The Biggest Bank in Bulgaria
Leading Leasing Company
UNICREDIT COMPANIES IN BULGARIA COVER THE FULL
SPECTRUM OF FINANCIAL SERVICES
Market Leader in Factoring
Among top in Consumer
Financing
The Biggest Company for
Collective Investment Schemes
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UNICREDIT BULBANK AT A GLANCE
●
THE UNDAMENTALS: VALUES AND MISSION
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FIRST 50 AS NUMBER ONE FOR THE NEXT 50
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RECENT AWARDS
Understand
THE MISSION OF UNICREDIT…
We, UniCredit people,
are committed to generating value for our customers.
As a
leading European bank
, we are dedicated to the
development of the
Communities
in which we live, and to being a
great place to work
.
We aim for
excellence
and we constantly strive to be
easy to deal with
.
… DRIVEN BY A STRONG SET OF VALUES
Our set of values is
based
on integrity as
condition
of sustainability…
…to transform
profit into value…
For UniCredit
the pursuit of profit
is a positive value
because it assures
continuity and
independence,
building - via integrity –
our reputation vis-à-vis
all stakeholders.
Integrity assures
sustainability, which
makes it possible to
transform profit into
value.
Fairness
Transparency
Respect
Trust
Freedom to act
Reciprocity
…for all our
Stakeholders.
Colleagues
Customers and suppliers
Investors
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UNICREDIT BULBANK AT A GLANCE
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THE UNDAMENTALS: VALUES AND MISSION
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FIRST 50 AS NUMBER ONE FOR THE NEXT 50
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RECENT AWARDS
A BANK WITH A HISTORY
1964
2000
2003
2005
2007
Bulbank was founded as the state-owned Bulgarian Foreign Trade Bank (BFTB);
1995
2002
2004
1993
Hebros Bank was founded by merger of eight commercial banks in Bulgaria;Bank Biochim was founded as result of merging three of the biggest state owned banks in the country – CB Biochim, CB Sofiabank and CB Serdica; Bulbank’s privatization was completed on October 2 and the bank
became a member of UniCredit Group;
Bank Biochim’s privatization was completed and the institution become member of HVB Group; a merger with newly created HVB Bank Bulgaria follows;
HVB Bank Bulgaria becomes HVB Bank Biochim; at the beginning of 2005 Hebros bank joins the group;
Bulbank celebrated 40th anniversary as the biggest Bulgarian bank and undisputable market leader;
UniCredit Group announced merger with HVB Group;
On April 27, 2007 the integration of the three UniCredit banks in Bulgaria is completed and UniCredit Bulbank is firmly positioned as the number one bank in Bulgaria.
A BANK WITH A FUTURE
The first “Branch of the future” was open in March 2013. Second was opened in May 2014.
Development of innovative 24/7 Self service zones
Introducing contactless payments cards
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UniCredit says that life is full of ups and downs and we are here for both.
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During its first 50 years of existence UniCredit Bulbank has established its position as the major
financial participant in the economic history of the Republic of Bulgaria and as the number one
bank.
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We live in a time with lots of downs and many voices “against”. This is why every sound and clear
“FOR” in the sea of “against” is a promise for engagement, for trust in owns abilities, bravery and
optimism for the future. Every
“FOR” makes the difference.
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This is why we celebrate our first 50 years with a thought FOR the next 50 years and FOR the real
benefits which a modern, innovative, secure and stable bank, part of the rock-solid international group
UniCredit, gives and will continue provide to Bulgaria and the Bulgarian citizens.
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We celebrate with the thought FOR the positive influence:
○
FOR the business
○
FOR people
○
FOR local communities
○
FOR education
○
FOR innovation
○
FOR colleagues
○
FOR entrepreneurs
○
FOR…
Our first 50
FOR
the next 50
Number one
in assets
Number one
in deposits
Number one
in loans
Number one
in loans to companies
Number one
in deposits of companies
Number one
in mobile banking and alternative channels
Number one
in reputation
Number one
in employee engagement
Number one
in customer satisfaction
Number one
in mutual finds under management, among
leading in consumer financing, factoring, leasing
Number one
online community in BG and many more….
AT THE END OF OUR FIRST 50 WE ARE
NUMBER ONE
Help us find
every area in
which we are
number 1: for
the IMAGE
BROCHURE
AND WE HAVE BEEN
FIRST
ON THE MARKET: INOVATION FOR
POSITIVE CUSTOMER AND COMMUNITIES IMPACT
First
mutual funds in Bulgaria
First
dedicated branches for ladies Donna
First
Branch of the Future (regarded in international news agencies as one of
the examples of innovations in the banking in the world)
First
debit card V-Pay in the world – the safest debit card with maximum
protection of the payments with chip and PIN
First
bank that certifies and offers to the market cartomat
First
and only on the market to offer cards with UEFA Champions League
together with MasterCard
First
and only bank who “won” the UEFA Champions League Trophy twice to
bring to Bulgarian fans
First
application for active banking through mobile devices, called Bulbank
Mobile, supported by smartphones, tablets and all devices with Java 2.0.
First
innovative services Cash M, allowing instant cash transfer through ATMs.
First
student overdraft against student scholarship, Academic League
First
and only bank who brought Philharmonica della Scalla, La Scala di
Milano, Arena di Verona in Bulgaria…
UniCredit Bulbank is
firmly positioned to be
the NUMBER ONE and
FIRST bank on the
market also in the
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UNICREDIT BULBANK AT A GLANCE
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THE UNDAMENTALS: VALUES AND MISSION
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FIRST 50 AS NUMBER ONE FOR THE NEXT 50
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RECENT AWARDS
LOCAL AND INTERNATIONAL RECOGNITION
*Recent awards .
Best Bank in Bulgaria 2014 Global Finance Magazine
Best Bank in Bulgaria in 2014 EMEA Finance
Bank of the Year in Bulgaria 2013 Bank of the Year Association
Best Bank in Bulgaria 2013 Global Finance Magazine
Best Trade Finance Bank in Bulgaria 2014
Best Sub-custodian bank in BG Global Finance 2014
Bank of the Year in Bulgaria The Banker
Strongest Bank Brand in Bulgaria 2013 Superbrands
CSR Awards for volunteering and for Best Project 2013, BDF
Best Bank in Bulgaria in 2012 EMEA Finance
Best Bank in Bulgaria in 2013 EMEA Finance
Bank of the Client in Bulgaria
2012 Bank of the Year Association Best Mobile banking and Best Online Banking 2013, Forbes
Best Trade Finance in Bulgaria 2012, Euromoney Magazine
Best Trade Finance in Bulgaria 2013 Global Finance
Bank of the Year in Bulgaria The Banker
Best Custodian in Bulgaria 2012 Global investor
Employer of Choice 2013 BHRMDA
CEO is Manager of the Year 2012 Manager Magazine
Bank of the Client in Bulgaria 2011 Bank of the Year Association
…and
many
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UNICREDIT BULBANK AT A GLANCE
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THE UNDAMENTALS: VALUES AND MISSION
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FIRST 50 AS NUMBER ONE FOR THE NEXT 50
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RECENT AWARDS
Collaborate
UNICREDIT TODAY IS A LEADING EUROPEAN BANKING GROUP
Employees
:
more than
147,000
2
Branches
: 8,954
3
Banking
operations
in
17
countries
International network spanning:
~ 50
countries
Global player in asset management:
€ 173,9
bn in managed assets
4
Market leader in Central end
Eastern Europe leveraging on the
region's structural strengths
UniCredit is one of the 28 Global
Systemically Important Financial
Institutions (G-SIB).
27 27
1 Source: Eurostat, UniCredit Research.
Nominal GDP per capita as at December 31, 2013 (EU27=100).
THE GROUP CAN LEVERAGE ON ITS STRATEGIC POSITIONING IN
ONE OF EUROPE’S WEALTHIEST AREAS
GDP per capita
1 14% 2.5% 12.6%Germany
Austria
Italy
Market share
2 126.2 141.9 103.4No. 2
No. 1
Poland 10.6% market share 1,003 branches
#2
Latvia Leasing Russia 1.5% market share 108 branches#8
Azerbaijan 2% market share 15 branches#15
Ukraine 3.4% market share 403 branches#6
Bulgaria 15% market share 206 branches#1
Turkey 9.2% market share 971 branches#5
Czech Republic 6.8% market share 106 branches#4
Slovakia 6.4% market share 78 branches#5
Hungary 6% market share 101 branches#7
Slovenia 6.1% market share 34 branches#5
Croatia 26.5% market share 139 branches#1
Bosnia and Herzegovina
21.6% market share 128 branches
#1
Romania 6.9% market share 199 branches#5
Serbia 8.7% market share 75 branches#3
Rep. Office in FYR Macedonia and Montenegro29
THE GROUP FIRMLY MAINTAINS LEADERSHIP POSITION IN CEE
116
1,299
3,927
19
175 -28 315 444 511 475 1,007 1,389 1,294 799 2,524 3,042 1,865 3,615 Data as of 1H2013 n.m. 11 15 34 OTP ISP 39 KBC 56 SocGen 73 RBI 82 Erste 83 UniCredit 136 (7) (9) (5) (6) (6) (4) (8)(1) 100% of total assets for controlled companies (stake > 50%) and pro rata for non- controlled companies (stake < 50%), except for OTP; (2) After tax before minority interest; (3) Including direct and indirect presence in the 25 CEE countries, excluding representative offices; (4) Results of RBI exclude group corporate, markets and corporate center segments; (5) Total assets for SI, HR and GG as of YE 2012; (6) Excluding SI, HR and GG; (7) Disposal of HU and TR ongoing; (8) Considering presence in core countries only (i.e. CZ, SK, HU, BG),
Total Assets (1)
Sport
Music
Environment
Art
Health,
Social,
Education
Football Golf Tennis Sailing Running, biking Ski Classical music Opera Classical music festivals and concerts Global Compact WWF partnership Kyoto Club UNEP National Green Program Contemporary Art UniCredit Art Collection UniCredit Kunstforum UniCredit Studio gallery Research against cancer UniCredit and Universities Foundation UniCredit FoundationCEE LEVERAGING ON UNICREDIT
Respond
MORE INFORMATION – www.unicreditbulbank.bg
Corporate Blog of UniCredit Bulbank: http://www.unicreditbulbank.bg/Blog/index.htm
Youtube channel of UniCredit Bulbank: http://www.youtube.com/user/BulbankVideos Twitter of UniCredit Bulbank: https://twitter.com/UniCreditBG
LinkedIn of UniCredit Bulbank: http://www.linkedin.com/company/unicredit-bulbank
UniCredit Bulbank in Foursquare: https://foursquare.com/uncrbulbank
UniCredit Bulbank on Pinterest: http://pinterest.com/unicreditbg
Google+ of UniCredit Bulbank
Facebook of UniCredit Bulbank: http://www.facebook.com/unicreditbulbank
Facebook of UniCredit Bulbank CEO: http://www.facebook.com/LHampartzoumian
Facebook of UniCredit Studio gallery: http://www.facebook.com/UniCreditStudio