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Societe Generale Expressbank

Created with Highcharts 6.0.4Sales and Profits (BGN mil)Total RevenuesNet Profit200420052006200720082009201020112012201320142015201620170100200300050100150

SG Expressbank's mortgage loans rose 13.2% to BGN 520 mil in 2017

By Helgi Library - September 20, 2018

Societe Generale Expressbank's mortgage loans reached BGN 520 mil in 2017, up 13.2% compared to the previous year. Bulgarian ba...

SG Expressbank's mortgage loans rose 13.2% to BGN 520 mil in 2017

By Helgi Library - September 20, 2018

Societe Generale Expressbank's mortgage loans reached BGN 520 mil in 2017, up 13.2% compared to the previous year. Bulgarian ba...

SG Expressbank's net profit rose 18.3% to BGN 109 mil in 2017

By Helgi Library - September 2, 2018

Societe Generale Expressbank made a net profit of BGN 109 mil under revenues of BGN 265 mil in 2017, up 18.3% and 8.63% respectively ...

Profit Statement 2015 2016 2017
Net Interest Income BGN mil 154 168 178
Net Fee Income BGN mil 47.8 52.8 58.7
Other Income BGN mil 17.5 23.2 28.3
Total Revenues BGN mil 219 244 265
Staff Cost BGN mil 41.5 35.2 36.9
Operating Profit BGN mil 110 137 154
Provisions BGN mil 26.4 32.8 34.0
Net Profit BGN mil 74.9 92.5 109
Balance Sheet 2015 2016 2017
Interbank Loans BGN mil 518 624 594
Customer Loans BGN mil 3,250 3,972 4,316
Total Assets BGN mil 5,742 6,345 6,996
Shareholders' Equity BGN mil 614 703 791
Interbank Borrowing BGN mil 694 304 289
Customer Deposits BGN mil 4,325 4,817 5,219
Issued Debt Securities BGN mil 45.6 433 565
Ratios 2015 2016 2017
ROE % 12.7 14.0 14.6
ROA % 1.41 1.53 1.64
Costs (As % Of Assets) % 2.05 1.77 1.65
Costs (As % Of Income) % 49.7 43.9 41.7
Capital Adequacy Ratio % 13.7 15.0 15.4
Net Interest Margin % 2.89 2.77 2.66
Loans (As % Of Deposits) % 75.1 82.4 82.7
NPLs (As % Of Loans) % 10.9 10.1 10.9
Provisions (As % Of NPLs) % 57.4 55.5 51.9
Growth Rates 2015 2016 2017
Total Revenue Growth % 18.2 11.2 8.63
Operating Cost Growth % 12.8 -1.93 3.16
Operating Profit Growth % 24.1 24.2 12.9
Net Profit Growth % 37.0 23.4 18.3
Customer Loan Growth % 5.37 22.2 8.68
Total Asset Growth % 17.5 10.5 10.3
Customer Deposit Growth % 22.1 11.4 8.34
Shareholders' Equity Growth % 9.45 14.5 12.5
Employees 1,631 1,612 1,621

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