UNICREDIT BULBANK AT A GLANCE

April 2010

UNICREDIT BULBANK THE BANK THAT BELIEVES IN ME!

Main indicators

Employees: ~ 4000

Clients: ~ 1.1 million

Branches: around 230, throughout the

country

RESPONSIBLE FINANCIAL PARTNER INDISPUTABLE NUMBER ONE:

Clients deposits: BGN 6.42 billion*; (6.6% increase compared to 2008) Loans: BGN 7.37 billion ( 2% increase compared to 2008)

Assets: BGN 11.519 billion. (4.6% increase compared to 2008, 16.3% market share) Shared capital: BGN 1.636 billion (19% increase compared to 2008)

*1 euro= BGN 1.95583; Unconsolidated audited figures as December, 31, 2009.

MAJOR PROFITABILITY AND EFFICIENCY INDICATORS

UniCredit Bulbank is among the market leaders in terms of major profitability and efficiency indicators:
Net profit: BGN 194.7 millions

Return on average assets (ROA): 1.7%

Return on average equity (ROE): 12.9%

Cost/income ratio: 42.8%

*1 euro = BGN 1.95583; Unconsolidated audited figures as of 31, December, 2009 4

COMPREHENSIVE BANKING NETWORK IN BULGARIA (above 230 BRANCHES)

RATINGS
I. UniCredit Bulbank receives credit rating from Standard & Poors
According to the latest report of agency (from July, 31, 2009) the bank has better developed management systems compared to its peers and it is adequately positioned as the largest bank in Bulgaria to withstand the effects from the deteriorated economic environment. .

Long term Short term Outlook

BBB -3 Negative

II. Additionally, the bank has a rating for support , from Fitch
According to the latest report of the agency (from March, 17, 2010) UCB's Support Rating is constrained by Bulgaria's Country Ceiling 'BBB+'. Therefore, any upside/downside in the Support Rating would be linked to a change in the Country Ceiling.

Support rating
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NATIONAL AND INTERNATIONAL RECOGNITION

Euromoney: The best bank in Bulgaria - 2006, 2007, 2008, 2009 emeafinance: The best bank in Bulgaria - 2009 emeafinance: The best foreign bank in Bulgaria 2009 Euromoney: The best Investment Bank in Bulgaria - 2007, 2008 The Banker: Bank of the Year in Bulgaria 2007, 2009 Global Finance: The best bank in Bulgaria - 2007, 2008, 2010 Newspaper PARI The best bank on market share - 2008, 2009 Global Custodian: The best bank guardian in Bulgaria - 2005, 2006, 2007, 2008, 2009 Banker Weekly: Best Banker in Bulgaria - 2007 Manager Magazine: Best Manager in Bulgaria 2007 APOZ: Corporate Social Responsibility Award 2009 Bulgarian forum of business leaders: Steady investor in environment - 2010

A BANK WITH A HISTORY

1964 1993 1995 2000 2002 2003 2004 2005 2007

Bulbank was founded as the state-owned Bulgarian Foreign Trade Bank (BFTB); Hebros Bank was founded by merger of eight commercial banks in Bulgaria; Bank Biochim was founded as result of merging three of the biggest state owned banks in the country CB Biochim (founded 1987), CB Sofiabank (1993) and CB Serdica (1995); Bulbanks privatization was completed on October 2 and the bank became a member of UniCredit Group; Bank Biochims 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 IN BULGARIA

The biggest bank in Bulgaria

Leading leasing company

Market leader in factoring services

Leading company for consumer financing

The biggest company for collective investment schemes in our country

FURTHER INFORMATION

UniCredit Bulbank UniCrdit Bulbank has a clear strategy:

Customer-centricity, because customer satisfaction is the engine of banks` growth.

Further information:

www.unicreditbulbank.bg
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1)

Area: Population: Capital: Currency: GDP (e)1: per capita GDP1:

Source: CEE Quarterly

111,001 sq. km 7.6 million Sofia Bulgarian lev EUR 33.3 bn EUR 4 394
1 2010

BRIEF PROFILE OF UNICREDIT GROUP

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UNICREDIT BULBANK IS A PART OF EUROPEAN UNICREDIT GROUP...

a major international financial institution with strong roots in 22 European countries as well as representative offices in 27 other markets. Over the years UniCredit Group demonstrated ability to generate profitable, sustainable growth and create significant value for its stakeholders.

Customers : around 40 million Employees: 165, 000 Branches: around 9,800

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TRULY EXTENSIVE EUROPEAN NETWORK

IT: UniCredit Banca UniCredit Banca di Roma Banco di Sicilia UniCredit Corporate Banking UniCredit Private Banking UniCredit Banca per la Casa FinecoBank UniCredit Consumer Financing AT: Bank Austria Schoellerbank Bank Privat DE: HypoVereinsbank DAB Bank CZ: UniCredit Bank

HU: UniCredit Bank AZ: Yapi Kredi Azerbaijan KZ: ATF Bank Baltics: UniCredit Bank KS: ATF Bank BIH: UniCredit Bank UniCredit Bank Banja Luka PL: Bank Pekao BG: UniCredit Bulbank RO: UniCredit Tiriac Bank CRO: Zagrebaka banka RU: UniCredit Bank

SK: UniCredit Bank

SLO: UniCredit Bank

SRB: UniCredit Bank

TK: Yapi Kredi UA: UniCredit Bank Ukrsotsbank

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Countries where the Group operates via local banks controlled or in which it has a significant equity interest.

Countries where the Group operates via its own branches, representative offices, delegates or consultants.

AND OFFICES WORLDWIDE

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Countries where the Group operates via local banks controlled or in which it has a significant equity interest.

Countries where the Group operates via its own branches, representative offices, consultants, delegates or investment centers (Pioneer).

OUR COMMITMENT IS OUR STRENGHT

Our commitment is our strength. We are a major financial institiution, with over 9,800 branches in 22 countries. Our strength lies in our financial expertise, our exraordinary service and solid commitment to enable individuals and corporate customers to successfully meet their financial goals.

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MISSSION OF UNICREDIT

We, the people of UniCredit, take on the responsibility to work in favor of our customers. As a leading European bank, we are committed to support the development of stakeholders, where we live and to be preferred place to work. Our goal is to achieve excellent results and continuously strive for work easily with us. These responsibilities, which we assume, will enable us to create long term benefits for our local communities.

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VALUES OF THE GROUP FROM INTEGRITY CHARTER

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 .

Profitability of the business, that we do, gives us the opportunity to lead independent and coherent policy. Sustainable over the time positive results transform current profitability into long term benefits for our partners

Colleagues

Customers and suppliers

Investors

Local Communities

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BRIEF PROFILE OF UNICREDIT GROUP

About UniCredit Group

One of the leading European financial groups, UniCredit has a presence in 22 core countries. Around 165,000 employees work with aroud 40 million clients in above 9,800 branches of the Group; In the CEE region, UniCredit operates the largest international banking network; Basic markets of the Group are in: Italy, Germany, Austria, Azerbaijan, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Estonia, Hungary, Kazakhstan, Kyrgyzstan, Latvia, Lithuania, Poland, Romania, Russia, Serbia, Slovakia, Slovenia, Turkey and Ukraine.

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BRIEF PROFILE OF UNICREDIT BULBANK

About UniCredit Bulbank

UniCredit Bulbank is the biggest Bulgarian bank in terms of assets, exceeding 11.5 billion BGN (1 euro = 1.95583 BGN) as of end of 2009. The bank has more than one million clients citizens and households, private customers, small and mid sized businesses, larger domestic and multinational corporate customers, municipalities and etc. In the last year, due to its reasonable policy and the trust of its clients, UniCredit Bulbank increased its market share. At the end of last year the bank is number 1 in terms of assets, deposits, loans and shareholders capital; UniCredit Bulbank operates one of the most comprehensive banking networks in Bulgaria of about 230 branches in which close to 4000 employees provide a vast portfolio of top quality financial products and services.

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