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.
2 Accelerate Response time and problem solving.
3 UNICREDIT BULBANK AT A GLANCE THE UNDAMENTALS: VALUES AND MISSION FIRST 50 AS NUMBER ONE FOR THE NEXT 50 RECENT AWARDS UNICREDIT GROUP AT A GLANCE
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)*** 4 *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 5 *1 euro = BGN 1.95583; data as of September 30, 2014.
CREDIT RATING BBB-/Stable/A-3 BY STANDARD AND POOR S Long term Outlook Short term BB+ Stable 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. 6 *Rating as of December 16, 2014.
TOP POSITION ON EFFICIENCY AND PROFITABILITY INDICATORS Return on assets (ROA) 1.9% 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%. 7 *Data as of September 30, 2014.
8 Resolve Anytime, anywhere.
. UNICREDIT COMPANIES IN BULGARIA COVER THE FULL SPECTRUM OF FINANCIAL SERVICES The Biggest Bank in Bulgaria Leading Leasing Company Market Leader in Factoring Among top in Consumer Financing The Biggest Company for Collective Investment Schemes 9 *as of 30 September, 2014
10 UNICREDIT BULBANK AT A GLANCE THE UNDAMENTALS: VALUES AND MISSION FIRST 50 AS NUMBER ONE FOR THE NEXT 50 RECENT AWARDS UNICREDIT GROUP AT A GLANCE
11 Understand Customer needs and quick responses.
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. These commitments will allow us to create sustainable value for our shareholders. 12
DRIVEN BY A STRONG SET OF VALUES Our set of values is based on integrity as condition of sustainability Fairness Transparency Respect Trust Freedom to act Reciprocity 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. for all our Stakeholders. Colleagues Customers and suppliers Investors Local Communities 13
14 UNICREDIT BULBANK AT A GLANCE THE UNDAMENTALS: VALUES AND MISSION FIRST 50 AS NUMBER ONE FOR THE NEXT 50 RECENT AWARDS UNICREDIT GROUP AT A GLANCE
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A BANK WITH A HISTORY 1964 Bulbank was founded as the state-owned Bulgarian Foreign Trade Bank (BFTB); 1993 Hebros Bank was founded by merger of eight commercial banks in Bulgaria; 1995 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; 2000 2002 2003 2004 2005 2007 2014 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. UniCredit is the Indisputable market leader: number one in assets, loans, deposits, shareholders capital. 16
A BANK WITH A FUTURE The first Branch of the future was open in March 2013. Second was opened in May 2014. Introducing contactless payments cards Development of innovative 24/7 Self service zones Best Mobile banking application 17
Our first 50 FOR the next 50 UniCredit says that life is full of ups and downs and we are here for both. 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. 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. 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. 18 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 UniCredit Bulbank has a 50 year track record of being Number 1, but also being the First on the market.
AT THE END OF OUR FIRST 50 WE ARE NUMBER ONE Number one in assets Number one in deposits Number one in loans Number one in loans to companies Number one in deposits of companies Help us find every area in which we are number 1: for the IMAGE Number one in mobile banking and alternative channels BROCHURE 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. 19
AND WE HAVE BEEN FIRST ON THE MARKET: INOVATION FOR POSITIVE CUSTOMER AND COMMUNITIES IMPACT 20 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 and many more firsts.
UniCredit Bulbank is firmly positioned to be the NUMBER ONE and FIRST bank on the market also in the NEXT 50 years. 21
22 UNICREDIT BULBANK AT A GLANCE THE UNDAMENTALS: VALUES AND MISSION FIRST 50 AS NUMBER ONE FOR THE NEXT 50 RECENT AWARDS UNICREDIT GROUP AT A GLANCE
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 23 Bulbank Mobile for Best Technological Solution, WEBIT 2012 Best Custodian Global Custodian CSR Award for volunteering 2012, BDF IT Manager of the Year 2012 and many more.
24 UNICREDIT BULBANK AT A GLANCE THE UNDAMENTALS: VALUES AND MISSION FIRST 50 AS NUMBER ONE FOR THE NEXT 50 RECENT AWARDS UNICREDIT GROUP AT A GLANCE
ollaborate More efficiency, better results. 25
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). 26 1 Data as at Dec 31, 2013. FTE Full Time Equivalent = number of employees counted for the rate of presence. Figures include all employees of subsidiaries consolidated proportionately, such as Koç Financial Service Group employees. 2 Data as at Dec 31, 2013. These figures include all branches of subsidiaries consolidated proportionately, such as Koç Financial Services Group branches. 3 Data as at Dec 31, 2013.
THE GROUP CAN LEVERAGE ON ITS STRATEGIC POSITIONING IN ONE OF EUROPE S WEALTHIEST AREAS GDP per capita 1 Market share 2 Austria 141.9 No. 1 14% Germany 126.2 2.5% Italy 103.4 No. 2 12.6% 27 1 Source: Eurostat, UniCredit Research. Nominal GDP per capita as at December 31, 2013 (EU27=100). 2 Market Share in terms of Total Customers Loans as at December 31, 2013
UNICREDIT HAS AN UNRIVALED NETWORK IN CEE Czech Republic 6.8% market share 106 branches #4 Poland 10.6% market share 1,003 branches #2 Latvia Leasing Slovakia 6.4% market share 78 branches #5 Russia 1.5% market share 108 branches #8 Hungary 6% market share 101 branches #7 Ukraine 3.4% market share 403 branches #6 Slovenia 6.1% market share 34 branches #5 Romania 6.9% market share 199 branches #5 Croatia 26.5% market share 139 branches #1 Bulgaria 15% market share 206 branches #1 Bosnia and Herzegovina 21.6% market share 128 branches #1 Turkey 9.2% market share 971 branches #5 Serbia 8.7% market share 75 branches #3 Rep. Office in FYR Macedonia and Montenegro Azerbaijan 2% market share 15 branches #15 28 Ranking and market shares in Total Assets as of 3Q 2013 (except BiH as of 1H 2013, HU and RO FY 2012, Azerbaijan as of June 30, 2013 ) Number of branches - as of 31.12. 2013 SOURCE: UniCredit
THE GROUP FIRMLY MAINTAINS LEADERSHIP POSITION IN CEE Data as of 1H2013 Total Assets (1) EUR bn UniCredit 136 1,007 3,615 116 1,299 3,927 19 Erste 83 475 1,865 (4) RBI 82 511 3,042 SocGen 73 (5) (6) (7) (6) 444 2,524 15 (8) KBC 56 315 799 (9) ISP 39-28 1,294 11 OTP 34 175 1,389 n.m. 29 (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), P&L based on underlying figures; (9) Branches as of 2012 SOURCE: UniCredit CEE Strategic Analysis
CEE LEVERAGING ON UNICREDIT PARTNERSHIPS AND SPONSORSHIPS Sport Music Environment Art Social, Health, 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 Foundation 30
31 Respond With a smile and desire to help.
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 32
THANK YOU! More information: www.unicreditbulbank.bg Contact: 33 July 2014