Investor Presentaiton
Recap: Overview of RBBG Business Segments
RBBG is Present Across UBB's Entire Client Footprint
Private Client
Traditional and digital banking
products and services, incl. online
and mobile apps and payments, as
well as bancassurance
Services
"
Current accounts
Savings & deposits (term
deposits, child deposits, savings
account)
Credit & debit cards
Consumer loans & mortgages
FX and derivative products
Precious metal trading
Operating Income Split(¹)
44%
Corporate
Portfolio 4,400 clients, incl. leading
clients from all growing and export-
oriented sectors; custodian and
depositary services
Services
Current accounts, cash pooling,
collection; custody & depositary
Term deposits, overdrafts,
credit lines & real estate
financing
Factoring (see callout)
European and national funding
programs
FX and derivative products
Operating Income Split(¹)
24%
Corporate
Micro & SME
Lending and non-lending services,
including starter packages, payroll,
terminals and bank guarantees with
the European Investment Fund
Services
Current accounts
Term deposits, overdrafts &
credit lines
Loans (standard, micro business,
agriculture, financing under
guarantee agreements, medical
specialist)
FX and derivative products
Operating Income Split(1)(3)
28%
o/w Micro
Financing for locally registered
Micro Enterprises, with an annual
turnover of up to €1 million; loans
granted to Micro business owners
Services
Current accounts
Term deposits, overdrafts &
credit lines
Loans with collaterals: purchase
of residential property, repair or
refinancing of other bank loans
Unsecured financing: repairs,
furnishing, education, private
expenses/plan implementation
YoY 11.1%
Micro Loan Growth
16% M/S
Micro Companies
NPS (4): 43 (#1, next: 22)
H1'21 Micro Net Promoter Score
Non-client & Others
Non-client: Group's proprietary
financial transactions and market
risk exposures management
Services
FX, securities and derivatives &
money market trading
Liquidity and interest rate risk
management
Others: Non-allocated P&L, i.e.
cash, capital, assets, and liabilities
Operating Income Split(1)
3%
Gross Loans Split(2)
Gross Loans Split(2)
Gross Loans Split(2)(3)
22%
4th
22%
19%
36%
Leasing
largest leasing company, with leasing in vehicles, industrial
machinery, equipment, car fleets, and real estate
Delivers leasing services to corporate, small and medium enterprises
and private clients; strong access to SME and Micro Clients
Smart Leasing pilot project unit within RBI Group
11.7% M/S
9.5% M/S
Mortgage Loans
Consumer Loans
7.9% M/S
Corporate Loans
7.9% M/S
Corporate Deposits
NPS (4): 53 (#1, next: 38)
H1'21 Private Client Net Promoter Score
NPS (4): 76 (#1, next: 59)
H1'21 Corporate Net Promoter Score
7.5% M/S
9.3% M/S
Micro & SME Loans Micro & SME Deposits
#1 NPS (4)
Across Micro and SME in Bulgaria
10.5% M/S
14,623
Leasing
Active Contracts
Asset management
AuM: €106m
€234m
Leasing Portfolio
Insurance Brokerage (5)
GWP: €8m
Source: Management Presentation, Company website, Filings. Note: Market shares self-reported.
(1) Consolidated, as of 30-06-2020. (2) Standalone, as of 31-12-2020, based on Seller business plan. (3) Split between Micro and SME not available. (4) Source: KANTAR Customer Satisfaction Survey as of April 2021.
(5) No insurance underwriting, only sale of insurance policies to predominantly Leasing clients / companies.
KBCView entire presentation