Reports

Ideas That Generate Results

1. Analyst View

2. Eastern European Banking Industry
      2.1 By Assets
      2.2 By Deposits
      2.3 By Loans
      2.4 By Income

3. Bulgaria Banking Industry
      3.1 Overview
      3.2 Why Bulgaria is an Attractive Banking Market?
             3.2.1 Flourishing Real Estate Market
             3.2.2 Booming Household Credit Demands
             3.2.3 Growing Employment
             3.2.4 Rising Disposable Income
             3.2.5 Swelling Bankable Households
             3.2.6 Surging FDI
             3.2.7 EU Accession
             3.2.8 Declining Non-performing Loans
      3.3 Performance
             3.3.1 By Products
                       3.3.1.1 Deposits
                                    3.3.1.1.1 Demand Deposits
                                    3.3.1.1.2 Savings Deposits
                                    3.3.1.1.3 Time Deposits
                       3.3.1.2 Loans
                                    3.3.1.2.1 Commercialization Loans
                                    3.3.1.2.2 Consumer Loans
                                    3.3.1.2.3 Housing Mortgage Loans
                                    3.3.1.2.4 Agriculture Loans
                                    3.3.1.2.5 Others
                       3.3.1.3 Payment Cards Market
                                    3.3.1.3.1 Overview
                                    3.3.1.3.2 Leaders in the Card Market
                                    3.3.1.3.3 International vs Domestic Cards
                                    3.3.1.3.4 Credit Cards
                                    3.3.1.3.5 ATM/Debit Cards
             3.3.2 By Income
                       3.3.2.1 Net Interest Income
                       3.3.2.2 Non-interest Income
      3.4 Payment Systems
             3.4.1 Real Time Gross Settlement System in Bulgaria (RINGS)
      3.5 Analysis
             3.5.1 Sources of Funds
             3.5.2 Profitability Analysis
                       3.5.2.1 Return on Interest Bearing Assets
                       3.5.2.2 Cost of Interest Bearing Liabilities
                       3.5.2.3 Net Interest Margin
             3.5.3 Ratio Analysis
                       3.5.3.1 Assets/GDP
                       3.5.3.2 Loans/GDP
                       3.5.3.3 Loans/Assets
                       3.5.3.4 Loans/Deposits
                       3.5.3.5 Efficiency Ratio
             3.5.4 Opportunities
                       3.5.4.1 Insurance Market
                       3.5.4.2 Internet & Mobile Banking
                       3.5.4.3 Consultancy & Outsourcing Market
                       3.5.4.4 Card Manufacturers
                       3.5.4.5 ATM & POS Terminals
                       3.5.4.6 Automobile Industry
                       3.5.4.7 Property Consultants
                       3.5.4.8 Consumer Durables Market
             3.5.5 Challenges
                       3.5.5.1 Declining Population
                       3.5.5.2 Rising Classified Loans
                       3.5.5.3 ATM & Credit Card Frauds
                       3.5.5.4 No Co-operation between Banks involved in Card Issuing & Processing
                       3.5.5.5 Merchants Acquisitions

4. Future Outlook (2007-2010)
      4.1 Loans
             4.1.1 Commercialization Loans
             4.1.2 Consumer Loans
             4.1.3 Housing Mortgage Loans
             4.1.4 Agriculture Loans
      4.2 Deposits
             4.2.1 Demand Deposits
             4.2.2 Savings Deposits
             4.2.3 Time Deposits

5. Government Regulations

6. Key Players
      6.1 DSK Bank
      6.2 Bulbank
      6.3 United Bulgarian Bank (UBB)
      6.4 Raiffeisenbank
      6.5 First Investment Bank