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Unicredit and HVB Join Forces to Create the First Truly European Bank

Leading position in the wealthiest regions and fastest growing markets in Europe The combination will be effected through a 5:1 exchange offer to HVB shareholders

The rating agency Standard and Poor’s revised and upgraded today Bulbank

The rating agency Standard and Poor’s revised and upgraded today Bulbank from stable to positive outlook. The rating of the Bank is confirmed at BBB - / A-3, equal to the sovereign rating of Bulgaria, as a result Bulbank remains the best rated institution in the country.

UniCredit Finals Yapi Kredi Purchase Agreement

Koç Financial Services A.Ş signed on May 8 agreement with ÇUKUROVA for acquisition of 57.42% of Yapi Kredi

Bulbank Appoints Lubomir Punchev to Replace Retired Kiril Stefanov as Management Board Member

Mr. Stefanov retired at the end of 2004 after nearly 40 years of successful career in Bulbank, starting from entry-level position and finally heading the Credit Division providing invaluable contribution to the development of Bulbank.

Andrea Moneta Appointed as New Member of the Supervisory Board of Bulbank

The Extraordinary Meeting of the shareholders approved the transfer of undistributed profit from previous years, amounting more than BGN 111 million to General Purpose Reserve Fund.

Standard & Poor's upgraded the long-term credit rating of Bulbank

Standard & Poor's upgraded the long-term credit rating of Bulbank to BBB- from BB+ with stable outlook. Bulbank is the only Bulgarian bank that has an investment credit rating equal to the sovereign one of Bulgaria.

Unicredit Leasing Becomes EAD. The new company will have one-tier structure with Board of Directors.

Chairman of the Board of Directors becomes Mr. Kiril Stefanov, Member of the MB of Bulbank and Head of Credit and Risk Management Division of the Bank. Executive Director of the leasing company remains Mr. Plamen Minev.

Bulbank celebrates its 40-year anniversary as the biggest Bulgarian bank

Bulbank celebrates its 40-year anniversary as the biggest Bulgarian bank and as an undisputable leader at the market in terms of assets, net profit and shareholder's equity. Bulbank continuously expands its positions at the credit market of the country, keeping a high quality of assets.

Bulbank Finished Acquisition of a Leasing Company

Bulbank signed the contact for purchase of 100% of the shares of UniLeasing OOD. After the needed court procedures, the entity will be renamed to UniCredit Leasing Bulgaria, fully owned by Bulbank.

Alessandro Decio is the New Deputy Chairman of the Management Board of Bulbank

The new Deputy Chairman of the Management Board of Bulbank Alessandro Decio received a certificate from Bulgarian National Bank and officially takes the position of Chief Operating Officer of the Bank.