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REPORT 2011 I Message from the Managing Board ANNUAL REPORT 2011 I Message from the Managing Board

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REPORT 2011 I Message from the Managing Board ANNUAL REPORT 2011 I Message from the Managing Board Annual report 2 011 WorldReginfo - 090ff8e7-91c6-40b2-b461-d453dbe928ce ANNUAL REPORT 2010 I TABLE OF ContentS Table of contents: Message from the Managing Board .....................................2 Sales ..............................................................................42 Managing Board ....................................................................5 Remote banking ............................................................43 Virtual banking branch (e-fibank) .............................43 Macroeconomic development ..............................................6 Telephone banking ..................................................43 The banking system ............................................................10 My Fibank ................................................................43 Mission ................................................................................13 Information technologies ....................................................44 Positive development ..........................................................14 Corporate governance .........................................................44 Bank profile .........................................................................15 Human capital .................................................................... 46 Corporate status ............................................................15 Charity .................................................................................47 Participations and memberships ...................................15 Market position .............................................................15 Business structure ..............................................................48 Market share .................................................................16 Supervisory board .........................................................49 Correspondent relations ................................................16 Managing board ............................................................49 Branch network .............................................................16 Business overview ..............................................................50 Subsidiary companies ...................................................16 Retail banking ................................................................50 Awards 2011.................................................................. 17 Deposits ..................................................................50 First Investment Bank: Dates and Facts .............................18 Loans .......................................................................51 Card payments ........................................................52 Highlights 2011 ....................................................................20 Gold and commemorative coins .............................53 Corporate development ......................................................24 Private banking ........................................................54 Key indicators ................................................................24 Corporate banking .........................................................54 Ratings ..........................................................................25 Deposits ..................................................................54 Financial results ...................................................................26 Loans .......................................................................54 Balance sheet ......................................................................28 Corporate lending ...............................................54 Loan portfolio ......................................................................30 SME Lending ......................................................55 Loans .............................................................................30 Microlending .......................................................56 Related party transactions ............................................32 Europrograms ................................................................57 Commitments and contingent liabilities........................32 Payment services ..........................................................57 International payments ..................................................57 Аttracted funds ...................................................................33 Capital markets .............................................................58 Capital .................................................................................35 Events after the reporting period ........................................60 Risk management ...............................................................37 Consolidated Financial Statements Collective risk management bodies ..............................37 as at 31 December 2011 Credit risk ......................................................................38 with Independent Auditor’s Report Thereon ......................61 Market risk ....................................................................38 Fullfilment of the goals for 2011........................................107 Liquidity risk ..................................................................39 Goals for development during 2012 ..................................109 Operational risk .............................................................40 Risk-weighted assets ....................................................40 Other information ..............................................................109 Members of the Supervisory board ............................109 Distribution channels........................................................... 41 Members of the Managing board ............................... 111 Branch network ............................................................. 41 Contact centre ...............................................................42 Contacts ............................................................................ 113 Corporate blog ...............................................................42 WorldReginfo - 090ff8e7-91c6-40b2-b461-d453dbe928ce 1 ANNUAL REPORT 2011 I MESSAGE From THE MANAGING BoarD ANNUAL REPORT 2011 I MESSAGE From THE MANAGING BoarD The emphasis that we place on servicing both individuals and legal entities has resulted in the development of new, alternative Message from the Managing Board channels for the use of banking services which maximize the satisfaction of our clients: telephone banking, a mobile version of the Virtual Branch, as well as new services and products in the field of payment transactions, lending, and investment banking. In the card business we mainly focused on promoting PayPass contactless payments, expanding the POS terminal network, as well as the network of partner merchants under the loyalty program YES. For us 2011 was a successful and innovative year and we are well aware that this could not have happened without all of you who put your confidence in us. We thank our customers for their loyalty, our shareholders for their support, our partners and all our employees for their high level of professionalism. In 2012 we will again strive to achieve even higher results, provide the best banking services, ensure the highest quality of service and assist the Bulgarian economy. Our accomplishments are of the utmost importance to our country and society. Dear shareholders, clients and colleagues, During 2011, the banking system in Bulgaria preserved its stability despite the volatile economic environment in the region and in The Managing Board of Fibank (First Investment Bank AD) the international markets. This is shown not only by Bulgaria’s financial indicators , but also the positive projections of the World and European Bank for Reconstruction and Development. The ongoing maintenance of financial discipline is a good prerequisite Sofia, 2012 for our country to emerge in very good condition from the crisis. As the largest Bulgarian bank of systemic importance for the domestic market, First Investment Bank AD continued its consistent policy of business development with emphasis on customer service and increased attention to risk management, in accordance with the external environment and market conditions. The results of this policy have assigned Fibank (First Investment Bank) fifth position in the banking sector, and transition from second to first group in terms of total assets. For 2011, the bank reported an increase in profit after taxes by 29.1% on an annual basis to BGN 36 million, asset growth of 23.5% compared to the end of 2010 (up to BGN 6,174 million), total capital adequacy of 12.57%, tier 1 capital adequacy of 10.18%, and liquidity of 26.17%. In accordance with customer expectations, Fibank (First Investment Bank) continues to develop its services, products and quality of service. Our investment in modern technology and professionally trained staff at all levels guarantee our customers and partners security and opportunities for greater achievements. It is of exceptional importance for us that in 2011 we remained a preferred savings bank for people generally, which placed us in second market position in terms of deposits from individuals. At the same time, Fibank (First Investment Bank) occupies third place in corporate loans. WorldReginfo - 090ff8e7-91c6-40b2-b461-d453dbe928ce 2 3 ANNUAL REPORT 2011 I MANAGING BoarD ANNUAL REPORT 2011 I MANAGING BoarD Managing Board Stanislav Bozhkov Dimitar Kostov
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