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UniCredit Bulbank

Created with Highcharts 6.0.4Sales and Profits (BGN mil)Total RevenuesNet Profit200020012002200320042005200620072008200920102011201220132014201520162017025050075010000200400600

Bulbank's net profit rose 14.1% to BGN 412 mil in 2017

By Helgi Library - September 2, 2018

UniCredit Bulbank made a net profit of BGN 412 mil under revenues of BGN 868 mil in 2017, up 14.1% and 1.22% respectively compared to...

Bulbank's net profit rose 14.1% to BGN 412 mil in 2017

By Helgi Library - September 2, 2018

UniCredit Bulbank made a net profit of BGN 412 mil under revenues of BGN 868 mil in 2017, up 14.1% and 1.22% respectively compared to...

Bulbank's customer deposits rose 4.55% to BGN 15,513 mil in 2017

By Helgi Library - September 2, 2018

UniCredit Bulbank's customer deposits reached BGN 15,513 mil in 2017, up 4.55% compared to the previous year. Bulgarian banking...

Profit Statement 2015 2016 2017
Net Interest Income BGN mil 579 582 593
Net Fee Income BGN mil 199 210 230
Other Income BGN mil 6.67 65.1 45.4
Total Revenues BGN mil 785 858 868
Staff Cost BGN mil 132 132 139
Operating Profit BGN mil 514 583 594
Provisions BGN mil 135 183 137
Net Profit BGN mil 340 361 412
Balance Sheet 2015 2016 2017
Interbank Loans BGN mil 1,226 1,323 1,629
Customer Loans BGN mil 10,322 10,873 10,629
Total Assets BGN mil 18,879 20,387 20,260
Shareholders' Equity BGN mil 2,670 2,942 3,200
Interbank Borrowing BGN mil 2,610 2,315 1,258
Customer Deposits BGN mil 13,296 14,838 15,513
Issued Debt Securities BGN mil 136 139 125
Ratios 2015 2016 2017
ROE % 13.5 12.9 13.4
ROA % 1.95 1.84 2.03
Costs (As % Of Assets) % 1.56 1.40 1.35
Costs (As % Of Income) % 34.6 32.0 31.6
Capital Adequacy Ratio % 22.5 25.1 27.3
Net Interest Margin % 3.32 2.97 2.92
Loans (As % Of Deposits) % 77.6 73.3 68.5
NPLs (As % Of Loans) % 13.2 11.2 8.10
Provisions (As % Of NPLs) % 71.2 75.6 82.5
Growth Rates 2015 2016 2017
Total Revenue Growth % -0.466 9.29 1.22
Operating Cost Growth % -6.45 1.21 -0.080
Operating Profit Growth % 3.01 13.6 1.84
Net Profit Growth % 19.6 6.22 14.1
Customer Loan Growth % -7.11 5.34 -2.24
Total Asset Growth % 18.1 7.99 -0.620
Customer Deposit Growth % 24.6 11.6 4.55
Shareholders' Equity Growth % 13.5 10.2 8.77
Employees 4,161 4,149 4,147

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