Central Cooperative Bank Ad · BSESOF:CCB
Central Cooperative Bank Ad — Central Cooperative Bank — Investor Presentation (April 2026)
22 slides from Central Cooperative Bank Ad's investor presentation, April 2026
Slide 1: Central Cooperative Bank PLC – Brief overview
CENTRAL COOPERATIVE BANK PLC Brief overview Sofia, April 2026
Slide 2: Disclaimer
Disclaimer Not for release, publication or distribution, directly or indirectly, in whole or in part, in or into the United States or any jurisdiction in which it would be unlawful to do so (“Other Countries”), and persons into whose possessions this presentation comes should inform themselves about
Slide 3: Agenda
AGENDA 1 Bank overview 2 Macroeconomic environment 3 Financial highlights 4 Regulatory compliance 5 Appendix 3
Slide 4: 1. Bank overview
cas) _1. Bank overview
Slide 5: The Bank at a glance
The Bank at a glance Ownership structure Key metrics (Sep-25) CHIMIMPORT AD €5.3bn total assets 100% CCB GROUP EAD €1.8bn net loan portfolio 61.05% CENTRAL COOPERATIVE HQ in Sofia, 285 locations in Bulgaria BANK PLC, Sofia and 1 branch in Cyprus 87.35% 100% 100% 100% 1 549 employees (as at Dec24) CE
Slide 6: Resilient Universal Bank
Resilient Universal Bank Central Cooperative Bank is a universal commercial bank headquartered in Sofia, operating as part of the CCB Group EAD. Established on 28 March 1991, the Bank has developed into a well- positioned financial institution within the Bulgarian banking sector. Currently ranked as
Slide 7: Selected flagship products
Selected flagship products Bank cards Mortgage loans Corporate loans Working capital loans Investment loans Loans under EU programs Source: Bank information 7
Slide 8: 2. Macroeconomic environment
2. Macroeconomic environment
Slide 9: Macroeconomic environment
Macroeconomic environment Overview Comments GDP change (%) Prices stability (y-o-y change) 3.4% 16.5% 15.3% ▪ The 3.1% 3.0% ▪ Despite ongoing political instability and the 2.8% 2.9% 9.9% inflationary pressures stemming from the conflict in 9.5% the Middle East, real GDP growth is expected to 1.7% 7.
Slide 10: Bulgarian banking system
Bulgarian banking system Comments Loan quality (%) Capital adequacy ratios (%) 25.1% ▪ The Bulgarian banking system includes 17 banks (of 3.6% 23.9% 25.2% which 5 in Group I and 12 in Group II) and 6 branches 3.2% 24.8% 24.7% of foreign banks 2.7% 23.5% 23.4% 22.7% ▪ Central Cooperative Bank is 6th
Slide 11: 3. Financial highlights
cas) _ 3. Financial highlights
Slide 12: Balance sheet assets
Balance sheet assets Comments Total balance sheet assets (€m) • The assets of Central Cooperative Bank increased by 9% as at 30 Sep 2025 vs 31 Dec 2024 to reach 5 279.8 €5.3bn 4 832.3 • Total assets are mainly composed of: 4 363.1 413.3 ✓ loans and advances to clients (34% of total as at Sep-25) 444
Slide 13: Deposit base
Deposit base Comments Deposit base (€m) Deposits by currency ▪ Deposits (including deposits from banks) represent 4 748.6 4 339.2 99% of the bank’s liabilities as at the balance sheet 3 919.8 31.0% 28.3% Foreign dates currency ▪ Total deposits increased by 11% as at 31 Dec 2024 compared to 2023 and
Slide 14: Loan portfolio – corporate and retail
Loan portfolio – corporate and retail Gross loans – retail vs corporate (€m) Corporate loans by sector (2024, gross) Comments ▪ CCB loan portfolio (gross) increased by 4% as at 31 Dec 2024 vs 2023 mainly driven by higher volume of retail loans 10.7% Construction 856.6 4.9% 861.0 Retail 5.2% Trade &
Slide 15: Loan portfolio - quality
Loan portfolio - quality Comments Loan exposure, gross (€m) Loan loss allowance (€m) 100% ▪ Central Cooperative Bank maintains a high-quality loan portfolio with low level of NPLs and defaults 72.9% 85.9% 80% and high provision coverage ▪ The uncovered NPL amounted to €2.6m as at 31 60% Dec 2024, co
Slide 16: Securities
Securities Comments Financial assets at amortised cost Financial assets at fair value through OCI 13.0% 13.0% 54.0% 95.4% ▪ Securities are primarily concentrated in amortised 47.0% 93.9% cost instruments, with a strong bias toward government securities, supporting stability and low risk €791.6m €980
Slide 17: Bank’s earnings
Bank’s earnings Overview Comments Net banking income (€m) 134.4 149.2 ▪ Net banking income (on consolidated basis) was predominantly driven by net interest income c. 78% 110.7 108.2 2.2 of banking income on average during 2023-2025, followed by net fees income c. 20% 6.0 28.5 Net interest income ▪ N
Slide 18: 4. Regulatory compliance
cas) _ 4. Regulatory compliance
Slide 19: Capital adequacy and liquidity ratios
Capital adequacy and liquidity ratios Equity capital (€m) Stand-alone liquidity ratio (%) Comments ▪ Central Cooperative Bank maintains capital 479.2 566% 442.1 adequacy ratios that are in compliance with the 388.8 requirements set by the Bulgarian National Bank: 341% • Minimum total capital ratio o
Slide 20: 5. Appendix
cre) 5. Appendix
Slide 21: Summarised financial performance (1/2)
Summarised financial performance (1/2) Assets Liabilities and equity Currency: €m 2023 2024 Sep-25 Currency: €m 2023 2024 Sep-25 Cash and cash equivalents 1 034.0 1 025.7 1 360.6 Deposits from banks 10.1 9.4 7.6 Loans and advances to banks 79.0 92.3 84.3 Deposits from clients 3 909.7 4 329.8 4 741.0
Slide 22: Summarised financial performance (2/2)
Summarised financial performance (2/2) Income statement Net interest income Currency: €m 2023 2024 9m24 9m25 Currency: €m 2023 2024 Interest income 102.8 123.7 91.6 90.2 Loans and advances 54.1 56.1 Interest expense (3.8) (5.2) (3.6) (5.0) Financial assets at fair value (OCI) 12.1 17.2 Net interest
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