UniCredit Bulbank`s profile

Transcription

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
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)***
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*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
*1 euro = BGN 1.95583; data as of September 30, 2014
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CREDIT RATING BBB-/Stable/A-3 BY STANDARD AND POOR’S
Long term
BB+
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.
*Rating as of December 16, 2014
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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%.
*Data as of September 30, 2014
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.
Resolve
Anytime, anywhere.
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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
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*as of 30 September, 2014
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RECENT AWARDS
Understand
Customer needs and quick responses.
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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.
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… 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
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…to transform
profit into value…
…for all our
Stakeholders.
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.
Colleagues
Integrity assures
sustainability, which
makes it possible to
transform profit into
value.
Local Communities
Customers and suppliers
Investors
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RECENT AWARDS
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A BANK WITH A HISTORY
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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
Bulbank’s privatization was completed on October 2 and the bank
became a member of UniCredit Group;
2002
Bank Biochim’s privatization was completed and the institution become member of HVB
Group; a merger with newly created HVB Bank Bulgaria follows;
2003
HVB Bank Bulgaria becomes HVB Bank Biochim; at the beginning of 2005 Hebros
bank joins the group;
2004
Bulbank celebrated 40th anniversary as the biggest Bulgarian bank and undisputable
market leader;
2005
UniCredit Group announced merger with HVB Group;
2007
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.
2014
UniCredit is the Indisputable market leader: number one in assets, loans, deposits,
shareholders’ capital.
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
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Best Mobile banking application
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.
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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…
● 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
Help us find
 Number one in deposits
every area in
 Number one in loans
which we are
 Number one in loans to companies
 Number one in deposits of companies 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….
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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
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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.
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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 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
EMEA Finance
Best Trade Finance in Bulgaria
2012, Euromoney Magazine
Best Trade Finance in Bulgaria
2013 Global Finance
CEO is Manager of the Year
2012 Manager Magazine
Bank of the Client in Bulgaria 2011
Bank of the Year Association
EMEA Finance
Bank of the Year in Bulgaria
The Banker
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Bulbank Mobile for Best
Technological Solution,
WEBIT 2012
Bank of the Client in Bulgaria
Best Mobile banking and Best
2012 Bank of the Year Association Online Banking 2013, Forbes
Best Custodian in Bulgaria
2012 Global investor
Best Custodian
Global Custodian
Employer of Choice 2013
BHRMDA
CSR Award for volunteering
2012, BDF
IT Manager of the Year 2012
Best Trade Finance Bank in
Bulgaria 2014
…and
many
more.
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RECENT AWARDS
Collaborate
More efficiency, better results.
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UNICREDIT TODAY IS A LEADING EUROPEAN BANKING GROUP
 Employees: more than 147,0002
 Branches: 8,9543
 Banking operations
in
17 countries
 International network spanning:
~ 50
countries
 Global player in asset management:
€ 173,9 bn in managed assets4
 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).
1 Data as at Dec 31, 2013. FTE “Full Time Equivalent”= number of employees counted for the rate of presence.
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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 capita1
Austria
Germany
Italy
1
27
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
141.9
Market share2
No. 1
2.5%
126.2
103.4
14%
No. 2
12.6%
UNICREDIT HAS AN UNRIVALED NETWORK IN CEE
Czech Republic
 6.8% market share
 106 branches
Slovakia
 78 branches
#5
Hungary
 6% market share
 101 branches
#7
Slovenia
 34 branches
Croatia
 139 branches
Bosnia and Herzegovina
 128 branches
Serbia
 75 branches
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#4
Poland
 1,003 branches
Latvia
#2
Leasing
Russia
 108 branches
#8
Ukraine
 403 branches
#6
#5
Romania
 199 branches
#5
#1
Bulgaria
 15% market share
 206 branches
#1
#1
Turkey
 971 branches
#5
#3
Rep. Office in
FYR Macedonia
and
Montenegro
Azerbaijan
 2% market share
 15 branches
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
#15
THE GROUP FIRMLY MAINTAINS LEADERSHIP POSITION IN CEE
Data as of
1H2013
Total Assets (1)
EUR bn
136
UniCredit
Erste
(4)
RBI
(8)
KBC
29
475
82
511
(5)
56
ISP
39
OTP
34
444
315
-28
175
3,615
1,299
83
73
SocGen
1,007
116
(6)
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3,927
1,865
3,042
2,524
799
(7)
15
(6)
(9)
1,294
1,389
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n.m.
(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
 Football
 Golf
 Tennis
 Sailing
 Running, biking
 Ski
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Music
 Classical music
 Opera
 Classical music
festivals and
concerts
Environment
 Global Compact
 WWF partnership
 Kyoto Club
 UNEP
 National Green
Program
Art
 Contemporary Art
 UniCredit Art
Collection
 UniCredit Kunstforum
 UniCredit Studio
gallery
Social,
Health,
Education
 Research against
cancer
 UniCredit and
Universities Foundation
 UniCredit Foundation
Respond
With a smile and desire to help.
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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
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THANK YOU!
More information:
www.unicreditbulbank.bg
Contact:
………………………………
………………………………
………………………………
July 2014
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UniCredit Bulbank`s profile

Transcription

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