Ucb Profile April 2010 En

7/30/2019 Ucb Profile April 2010 En

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UNICREDIT BULBANK

AT A GLANCE

Apr il 2010


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Employees: ~ 4000

Clients: ~ 1.1 million

Branches: around 230, throughout thecountry

UNICREDIT BULBANK

THE BANK THAT BELIEVES IN ME!

Main indicators


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RESPONSIBLE FINANCIAL PARTNER

INDISPUTABLE NUMBER ONE:

Clients deposits: BGN 6.42 billion*;(6.6% increase compared to 2008)

Loans: BGN 7.37 billion

( 2% increase compared to 2008)

Assets: BGN 11.519 billion.

(4.6% increase compared to 2008,

16.3% market share)

Shared capital: BGN 1.636 billion

(19% increase compared to 2008)

*1 euro=BGN 1.95583;Unconsolidated audited figures as December, 31, 2009.


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UniCredit Bulbank is among the market leaders in terms ofmajor profitability and efficiency indicators:

Net profit : BGN 194.7 millions

Return on average assets (ROA): 1.7%

Return on average equity (ROE): 12.9%

Cost/income ratio: 42.8%

MAJOR PROFITABILITY AND

EFFICIENCY INDICATORS

*1 euro =BGN 1.95583; Unconsolidated audited figures as of 31, December, 2009


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COMPREHENSIVE BANKING NETWORKIN BULGARIA (above 230 BRANCHES)


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RATINGS

Long term BBB

Short term -3

Outlook Negative

According to the latest report of

agency (fromJ uly, 31, 2009) the

bank has better developed

managementsystems compared

to its peers and it is adequately

positionedas thelargestbankin

Bulgaria towithstandthe effectsfromthe deterioratedeconomic

environment.

.

I. UniCredit Bulbank receives credit rating fromStandard & Poors

II. Additionally, the bank has a rating for support , from Fitch

Support rating 2

According to the latest report of theagency (fromMarch,17, 2010) UCB'sSupport Rating is constrained byBulgaria's Country Ceiling 'BBB+'.Therefore, any upside/downside in theSupport Rating would be linked to a

change in the Country Ceiling.


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NATIONAL AND INTERNATIONAL RECOGNITION

Euromoney: The best bank in Bulgaria - 2006, 2007, 2008, 2009

emeafinance: The best bank in Bulgaria - 2009

emeafinance: The best foreign bank in Bulgaria 2009

Euromoney: The best Investment Bank in Bulgaria - 2007, 2008

The Banker: Bank of the Year in Bulgaria 2007, 2009

Global Finance: The best bank in Bulgaria - 2007, 2008, 2010

Newspaper PARI The best bank on market share - 2008, 2009

Global Custodian: The best bank guardian in Bulgaria - 2005, 2006, 2007, 2008, 2009

Banker Weekly: Best Banker in Bulgaria - 2007

Manager Magazine: Best Manager in Bulgaria 2007

APOZ: Corporate Social Responsibility Award 2009

Bulgarian forum of business leaders: Steady investor in environment - 2010


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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

1993Hebros 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 (founded 1987), CB Sofiabank (1993) and CB Serdica (1995);

Bulbanks privatization was completed on October 2 and the bank became a memberof UniCredit Group;

Bank Biochims privatization was completed and the institution become member of HVBGroup; a merger with newly created HVB Bank Bulgaria follows;

HVB Bank Bulgaria becomes HVB Bank Biochim; at the beginning of 2005 Hebrosbank joins the group;

Bulbank celebrated 40th anniversary as the biggest Bulgarian bank and undisputablemarket leader;

UniCredit Group announced merger with HVB Group;

On April 27, 2007 the integration of the three UniCredit banks in Bulgaria is completed andUniCredit Bulbank is firmly positioned as the number one bank in Bulgaria.


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UNICREDIT IN BULGARIA

The biggest bank in Bulgaria

Leading leasing company

Market leader in factoring services

Leading company for consumer financing

The biggest company for collective

investment schemes in our country


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FURTHER INFORMATION

UniCredit Bulbank

Area: 111,001sq. km Population: 7.6 million Capital: Sofia Currency: Bulgarian lev GDP (e)1: EUR 33.3bn per capi ta GDP1: EUR 4 394

1) Source: CEE Quarterly 1 2010

Further information:

www.unicreditbulbank.bg

UniCrdit Bulbank has aclear strategy:

Customer-centricity,because customersatisfaction is theengine of banks`growth.


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BRIEF PROFILEOF UNICREDIT GROUP


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a majorinternational

financial institution

with strong roots in

22 European

countries as well as

representative

off ices in 27 othermarkets.

Over the years

UniCredit Group

demonstrated ability

to generate

profitable,sustainable growth

and create

signif icant value for

its stakeholders.

Customers : around 40 million

Employees: 165, 000

Branches: around 9,800

UNICREDIT BULBANK IS A PART

OF EUROPEAN UNICREDIT GROUP...


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TRULY EXTENSIVE EUROPEAN NETWORK

DE: HypoVereinsbank

DAB Bank

IT: UniCredit Banca

UniCredit Banca di RomaBanco di Sicilia

UniCredit Corporate Banking

UniCredit Private BankingUniCredit Banca per la Casa

FinecoBankUniCredit Consumer Financing

AZ: Yapi Kredi Azerbaij an

Baltics: UniCredit Bank

BIH: UniCredit BankUniCredit Bank Banja Luka

BG: UniCredit Bulbank

CRO: Zagrebaka banka

Countries where the Group operates via local

banks controlled or in which it has a significantequity interest.

CZ: UniCredit Bank

HU: UniCredit Bank

KZ: ATF Bank

KS: ATF Bank

PL: Bank Pekao

RO: UniCredit Tiriac Bank

RU: UniCredit Bank

SK: UniCredit Bank

SLO: UniCredit Bank

SRB: UniCredit Bank

UA: UniCredit Bank

Ukrsotsbank

TK: Yapi Kredi

AT: Bank Aust ria

SchoellerbankBank Privat

Countries where the Group operates via its own branches,

representative offices, delegates or consultants.


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AND OFFICES WORLDWIDE

Countries where the Group operates via its ownbranches, representative offices, consultants,

delegates or investment centers (Pioneer).

Countries where the Group operates via local bankscontrolled or in which it has a significant equity

interest.


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OUR COMMITMENT IS OUR STRENGHT

Ourcommitment is our strength. We are a major financialinstitiution, with over 9,800 branches in 22 countries.

Our strength lies in our financial expertise, our exraordinary service

and solid commitment to enable individuals and corporate customers to

successfully meet their financial goals.


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MISSSION OF UNICREDIT

We, the people of UniCredit, take on the responsibility towork in favor of our customers.

As a leading European bank, we are committed to supportthe development of stakeholders, where we live

and to be preferred place to work.Our goal is to achieve excellent results and continuously

strive for work easily with us.These responsibilities, which we assume,

will enable us to create long term benefits forour local communities.


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VALUES OF THE GROUP FROM INTEGRITY CHARTER

Our set of values is

based

on integrity as

condition

of sustainability

to transform

profit into value

Profitability of thebusiness, that we do,gives us the opportunityto lead independent andcoherent policy.

Sustainable over the timepositive results transform

current profitability intolong term benefits forour partners

Fairness

Transparency

Respect

Trust

Freedom to act

Reciprocity

for .

Colleagues

Customers and suppliers

Investors

Local Communities


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BRIEF PROFILE OF UNICREDIT GROUP

About UniCredit Group

One of the leading European financial groups, UniCredit has a presence in22 core countries. Around 165,000 employees work with aroud 40 millionclients in above 9,800 branches of the Group;

In the CEE region, UniCredit operates the largest international bankingnetwork;

Basic markets of the Group are in: Italy, Germany, Austria, Azerbaijan,Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Estonia,Hungary, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Poland, Romania,

Russia, Serbia, Slovakia, Slovenia, Turkey and Ukraine.


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BRIEF PROFILE OF UNICREDIT BULBANK

About UniCredi t Bulbank

UniCredit Bulbank is the biggest Bulgarian bank in terms of assets, exceeding 11.5billion BGN (1 euro = 1.95583 BGN) as of end of 2009. The bank has more than onemillion clients citizens and households, private customers, small and mid sizedbusinesses, larger domestic and multinational corporate customers, municipalities

and etc.

In the last year, due to its reasonable policy and the trust of its clients, UniCreditBulbank increased its market share. At the end of last year the bank is number 1 interms of assets, deposits, loans and shareholders capital;

UniCredit Bulbank operates one of the most comprehensive banking networks inBulgaria of about 230 branches in which close to 4000 employees provide a vastportfolio of top quality financial products and services.

Ucb Profile April 2010 En

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