UBB holds full banking licence for performing banking and financial operations in Bulgaria and abroad. Capital Total capital: BGN 1 164 878 thousand on an individual basis and BGN 1 170 937 thousand on a consolidated basis (as of 31 December 2014). Registered share capital: BGN 75 964 082 (as of 31 December 2014). UBB share capital is allocated into 75 964 082 ordinary registered voting shares, of nominal value BGN 1.00 each. Shareholders Majority Shareholder As of Y2014 the majority shareholder of United Bulgarian Bank is the National Bank of Greece with 99.9% share participation. The National Bank of Greece is the oldest Greek bank that owns and runs the largest and the strongest financial group in the Republic of Greece. NBG Group offers a wide range of financial products and services that meet the ever changing needs of businesses and individuals. With 529 branches in Greece, 1,409 ATMs and 1222 branches abroad, NBG Group has the largest distribution network of financial products and services in Greece. Practically, it operates in 12 countries worldwide and controls 9 banks and 64 other companies with a total workforce of 34 539 employees. Through the acquisition of United Bulgarian Bank (Y2000), Stopanska Banka AD Skopje, Macedonia (Y2000), Banca Romaneasca S.A., Romania (Y2003), Finansbank, Turkey (Y2006) and Vojvodanska Banka, Serbia (Y2006) the National Bank of Greece affirmed its top position of a banking group in a market of 125 million people. Market position (as of December 31, 2014) Fourth in terms of assets (7.72%) Third in terms of corporate banking and retail banking Over 1.5 million consumer accounts 53 000 corporate accounts The most effectively operating bank on the Bulgarian market with cost income ratio of 43.2% The most advanced bank in terms of internal restructuring and implementation of the most successful banking practices and standards in all key areas. The most modern and innovative Bulgarian bank with: A comprehensive corporate banking system and a system for real-time retail banking A leading position in the E-banking sphere (Internet banking, telephone banking, mobile banking) A leading position in new products’ implementation. Market share (as of December 31, 2014, calculated on the grounds of BNB statistical data for the entire banking system): Branch network The best and most effective branch network Nearly 200 bank branches throughout Bulgaria, located in cities and towns of economic potential The branch network provides comprehensive real time service. Branch Network