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• �$'(" (; %+",$< 7%!�6 ');K#;'))" #" ;*%=&%9%#$%); $ ( %�$);'&;';*#;'))" #" �+�!#$("- A)'(!�! ()#�/! 0-�4(��� #,, 10#�0 #/!� #*1! (0&0?#��& ! 10)�&!$#, /�?"' 1)�"#�0*(0*0- 0*��! ! "&9? #1! # *�0< 0*��! ! 0-�4(��� #��0, !()#/�) A)'(!�! � ()#4 !+! 1!�0 1)�"#� ! 4!@#�! $� # 1 #?!, �/#�#)! # 0� "&9? #1!.

$�& ()#"9)?! ��0 19/ (0-10 *�)+!�#+� (0".0" ()# 0$� 1!�! ! 0-�4(��� #,�!, A)'(!�! ()#&!2! /# #/!& 0-"0('*�#/# ()0$� �# ! 10)�1$## + *�0< 0*��!, "�7# #)! # 4! $,&!�! A)'(! RBI. ��&�! ! ��4# 10)�1$## � "! 10/(� *#)!� �+� �'!&� )#*1 0� +0&!�#& 0*� + $� #�� ! 0-�4(��� #,�!, 1!1�0 # ")'2# )#*10+�, *+9)4! # * (0*&�"+!@!�! )�!&#4!$#, ! 0-�4(��� #,�!.

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�� *9@�*�+� 0 4 !�� #� ��� ��>����� � $����0�� *! +#"9� ! "0*�!+�#1! # '*&0+#,�!, ()# 10#�0 � *1&B�� "020+0)9� 4! 1)�"#� ! 4!@#�!. �0*�!+�#19� �),-+! "! -9"� "0*�!�9� 0 !"�?"� , ! *(0)!4'/� #��0 4! 4!@#�! – ()!+ 0 +!&#" 0 +9+ +*#�1# 0� 0*#/# B)#*"#1$##. �0 �04# !�# *� $�&# "! *� (0*�#2 � (0".0",@0 #+0 ! *#2') 0*� ! 1)�"#� !�! 4!@#�! *&�" 0��#�! � ! *��(� �! ! ()#4 !+! � ! 4!@#�!�!.

A)'(!�! ,/! 0�1)#�# �1*(04#$## + 1)�"#� # "�)#+!�# #&# 0-�4(��� # * �!1#+!.

A)'(!�! *&�"# 4! (0�� $#!& ! ���0�����0�1 �� ����, �������-�> �� ���� ������� �� ��(���� �� ����0����� �� ��������1 ����, �!1! �� *�)!��2#,�! 4! �,. 0�0 #4(0&4+! � "! *90�+��*�+! ! )#*10+#, < ()07#&.

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17 �������� ��� �� �� ������������ �� ����� �

�" ! 0� 0* 0+ #�� $�&# ! '()!+&� #��0 # 10 �)0&! ! )#*1! + �!<7!<4� -! 1 (�9&2!)#,) ��� � "! 0*#2')# 4!@#�!�! ! *+0#�� "�(04! �# 1!�0 �" 0+)�/� 0 * �0+! 2!)! �#)!, �� �! 1!�! � + *9*�0, #� "! (01)#� (0��#�� )#*10+� # "! 2� �)#)! !"�1+!� ! +94+)!@!�/0*� ! 1!(#�!&!, +&0?� 0� �< #�� !1$#0 �)#. �! "! *� 0*#2')# #4(9& � #��0 ! ��4# 4!"!�#, 0@� ! #+0 A)'(! RBI *! #42)!"� # ' #7#$#)! # ()0$�*# 4! '()!+&� #� ! )#*1!, ()# 10#�0 (0��#�� )#*10+� *! *90-)!4� # *9* 4!"�&� #, )#*10+ 1!(#�!& # *� 2!)! �#)! *90� 0=� #��0 (0�� )#*1/4!"�&� 1!(#�!&.

�0*)�"*�+0/ �9�)�= #, � !&#4 ! �"�1+!� 0*��! ! �!(#�!&! (����) *� #"� �#7#$#)!� )!4&#� #�� +#"0+� )#*1, *9()0+0?"!@# 2� �)#)! ��0 ! ()#.0"# # 10#�0 *! .!)!1��) # 4! +*,1! 0(�)#)!@! ! 7# ! *0+#, (!4!) -! 1!. � !*�0,@0�0 #4&0?� #� *� 0(#*+!� 0* 0+ #�� ()# $#(# # /��0"0&02#,, 1!1�0 # ()0$�*#�� # 0�20+0) 0*�#�� +9+ +)941! * '()!+&� #� ! )#*1! # (0""9)?! ��0 ! 1!(#�!&0+!�! !"�1+!� 0*�.

17.1 ��) %?%# ("&$)"+

�)# 0()�"�&, ��0 ! 1!(#�!&0+!�! !"�1+!� 0*� ! �! 1!�! *� #4�#*&,+! "010&10 +9�)�= #,� < 1!(#�!& /0?� "! (01)#� )#*10+���, ! 10#�0 �, � #4&0?� !.

�9�)�= #,� 1!(#�!& � 10&#��*�+� 0 #4)!?� #� ! 1!(#�!&!, 10<�0 � !&01#)! 4! (01)#+! � ! )#*10+� # ()�"*�!+&,+! #%)#")" ');K#;') #" ';*'):%#$< ("&$)"+ ! �! 1!�! &+P' 0/# !& !�! *�0< 0*� ! +*#�1# ��+G;' ;9#$ &;�9$#%#$ ("&$)"+;:$ $#') 67%#)$, 10#�0 *! ()�"0*�!+� # 0� +�0)0*��(� # 1)�"#�0)# (# 10#�0 � /02!� "! -9"!� ()�",+� # #&# 10 +�)�#)! # + ")'2 # *�)'/� � 0� # +�*�#�0)#��). ��� !�! *�0< 0*� ! *0-*�+� #, 1!(#�!& � )!+ ! ! -!&! *0+!�! *�0< 0*� ! *0-*�+� #, 1!(#�!& (&B* 10)�1$##�� (0 *()!+�"&#+!�! *�0< 0*� ! ��1'@#�� ( 0 � # ! 0�!1+! #��) �)! 4!1$##.

�9�)�= #,� 1!(#�!& *� #4�#*&,+! 1!�0 *'/! 0� *0-*�+� #, 1!(#�!& (&B* 20"#= !�! (��!&-!/4!2'-!, "9&20*)0� #, .#-)#"� #&# "0(9& #��&� /(0"�# � 1!(#�!&, /!&$# *�+� #�� '�!*�#, # *� ()#*(!" � 0���� !�! *�0< 0*� ! �/!��)#!& #�� !1�#+#.

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Провизии за загуби от обезценка Очаквани загуби

Допълнителен и подчинен

капитал

Консолидирана печалба

Малцинствени участия

Консолидиран собствен капитал

* Записан капитал

* Капиталови резерви

* Неразпределена печалба

Хибриден капитал

Нематериални активи

Вътрешен капитал

17.2 �$'(;: �&%)$)

�10 +9�)�= #,� 1!(#�!& � *'/!�! 0� 1!(#�!&!, 10,�0 *&'?# 4! (01)#+! � ! )#*10+�, �0 )#*10+#,� !(��#� � 1!(#�!&0+!�! *'/!, 10,�0 �! 1!�! � *1&0 ! "! #4&0?# ! (# +�*�#)! +) )#*1. ������1� ������ 0�)!4,+! ?�&! #��0 ! �! 1!�! "! (0�/e 10 1)�� # )#*10+� # ()�"*�!+&,+! �!*��! 0� 0-@#, )#*10+#, 1!(#�!& + "0(9& � #� 19/ -'7�)! 4! 70)/#)! � ! 4!@#�! 0� �#"� �#7#$#)! # )#*10+�.

17.3 "&",$)%) =" &;%7"#% #" $'(

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� �!4# +)941!, �!<7!<4� -! 1 (�9&2!)#,) ��� 1!�0 +0"�@0 ")'?�*�+0 + A)'(!�! (0""9)?! (0-20&,/ )!4/�) ! 1!(#�!&! 0� /# #/!& 0 #4#*1'�/#,, 4! "! *� #4-�2 � !/�*! 0� *�)! ! ! )�2'&!�0)#�� # *9@0 �!1! "! *� ()�"0�+)!�# �+� �'!& ! (0*&�"+!@! 4!2'-! ! )�('�!$#,. 04# „#4&#=� ” 1!(#�!& ()�"*�!+&,+! ("&",$)%) =" &;%7"#% #" $'( (��) # 0*+� 1!�0 -'7�) *)�@' 4!2'-# *� #4(0&4+!, 4! "! *� (0"(0/02 � -#4 �* "�< 0*��! # -9"�@��0 )!4+#�#�.

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�()�"�&, ��0 ! 1!(!$#���! 4! (0�/! � ! )#*1 � #&B*�)#)! 0 ! *.�/!�!, ()�"*�!+� ! (0-"0&' ((0".0" ! "�<*�+!@0�0 ()�"()#,�#�). �;&6'("#% : ("+(6+",$;##$< & ;,%' % #%$=&+"@"#%); #" 7$#$7"+%# �$:$�%#), 0 ()# )!4=#),+! � ! "�< 0*��! -# -#&0 �0-.0"#/0 ()#+&#�! ��0 ! "0(9& #��&� 1!(#�!&.

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• �;�$?#" &%9"+*" *92&!* 0 -B"?��!/0�!1+! #,�!;

• �&! #)! #/-B"?��#)! # "=D;�$ =" & ;:$=$$;

• � %:$?%#$%); #" ';*'):%#$< ("&$)"+: �0+! ()�+#=� #� *� #4�#*&,+!, 1!�0 *� 0��#�!� )!4&#� #�� /!1*#/!& # &#/#�# 4! "0('*�#/#, 1!(#�!& ( !()#/�) 1!(#�!&9� 0� (9)+# )�" *&�"+! "! � (0 � 50%). �0('*1! *�, �� 4!2'-#�� !/!&,+!� (9)+0 0* 0+ #, 1!(#�!&, ! � .#-)#" #, #&# (0"�# � #,.

17.4 �(;#;7$9%'($ ("&$)"+

�(;#;7$9%'($<) ("&$)"+ ()�"*�!+&,+! 0-@!�! 0$� 1! ! )#*1! + �!<7!<4� -! 1, #4�#*&� * (0/0@�! ! *�!�#*�#��*1# /��0"#. �)�/�+#,� .0)#40 �, 4!&0?� ()# #4�#*&,+! ��0 ! #10 0/#��*1#, 1!(#�!&, � �" ! 20"# !, 10��0 0�20+!), ! �" 020"#= #, (�)#0" 4! 0$� 1! +�)0,� 0*��! 0� �#4(9& � #� ! -!4! ! $�&�+#, )�<�# 2 ! �! 1!�!. �*+� �0+! �04# (�)#0" *90�+��*�+! # ! ()0$�*! (0 20"#= 0 (&! #)! � # -B"?��#)! �, �)�4 10<�0 *� #4�#*&,+! # )!4()�"�&, #10 0/#��*1#,� 1!(#�!&. �9()�1# �0+!, 4! #4�#*&,+! ��0 ! ,10# +#"0+� )#*10+� *� #4(0&4+!� # ")'2# +)�/�+# .0)#40 �#, 10#�0 0�20+0),� ! 0*0-� 0*�#�� ! *90�+�� #�� (!4!)# ( !()#/�) 4! (04#$##�� + �9)20+*1#, (0)�7�<&) #&# ! (�)#0"#�� ! (&! #)! �. �!&0?� #,� "0+�)#��&� # ��)+!& 4! #4�#*&,+! � ! #10 0/#��*1#, 1!(#�!& � 99.95%, *90�+��*�+!@ ! +�)0,� 0*��! 0� �#4(9& � #� ()# )�<�# 2 �, 10<�0 � # $�&�+#,� )�<�# 2 ! A)'(!�! RBI.

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�);K#;'))" &;� $'( (Value-at-Risk $+$ VaR) � 0$� 1!�! 4! 4!2'-!�!, 10,�0 +1&B�+! 0�!1+! #�� # �0�!1+! #�� 4!2'-#, 4! 0()�"�&� (�)#0" (+?. *9@0 0()�"�&� #��0 + !-&#$!�! * #4(0&4+! #�� ��)/# #). �!2'-#�� 0� 1)�"#�� )#*1 /02!� "! -9"!� 0�!1+! # (0)!"# )�!& !�! +94/0? 0*� 0� !*�9(+! � ! �#4(9& � #� ! 1)�"#�0(0&'�!��&#��. ��0�!1+! #�� 4!2'-# 0� 1)�"#�� )#*1 +94 #1+!� + )�4'&�!� ! �0-.0"#/0*��! 0� "0(9& #��& 0 "#)�1� 0 0�(#*+! � #&# (0)!"# '+�&#�!+! � ! *'/!�! 4! ()0+#4##�� (0 1)�"#� #�� �1*(04#$## (10,�0 !"+#=!+! 0�!1+! #�� *�0< 0*�#). �)# (0�/! ��0 ! (!4!)� )#*1 0-#1 0+� 0 *� 0�!1+! (0&0?#��&� )�4'&�!�, 0 �-&!20()#,� # ()0/� # + )#*10+#�� 7!1�0)# ( !()#/�) &#.+� # ()0$� �#, +!&'� # 1')*0+�, $� # ! !1$##, +0&!�#& 0*� # ")'2#) /02!� "! (0+&#,,� �2!�#+ 0 ! (0)�7�<&! 0� �)! 4!1$##. ��*�0�!�! # )!4/�)! ! @��#�� + )�4'&�!� ! �!"�1+!� # # �"0-)� 7' 1$#0 #)!@# +9�)�= # ()0$�*#, .0)! # *#*��/# #&# +9 = # *9-#�#, *! #4/�)#��& 4! �0�!1+! #�� 4!2'-#, 10#�0 +94 #1+!� (0)!"# 0(�)!$#0 � )#*1.

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