UNITED BULGARIAN BANK API EULA

Please read this License Agreement ("Agreement") carefully before clicking the "I Accept the Terms & Conditions" button.

By clicking the "I Accept the Terms & Conditions" button, you are agreeing to be bound by the terms and conditions of this Agreement to use the APIs in the Sandbox.

If you do not agree to the terms of this Agreement, do not click on the "I Accept the Terms & Conditions" button and do not add the API to the list of APIs your application will access.

1. Definitions

When used in this Agreement with the initial letters capitalized, in addition to the terms defined elsewhere in this Agreement, the following terms have the following meanings:

∙ API means the UNITED BULGARIAN BANK’S (UBB) application programming interface;

∙ Intellectual Property Rights means all patents, copyright and related rights, trademarks, logo, service marks, trade, design rights, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, rights in designs, database rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection in any part of the world.

∙ Sandbox is the software testing environment that enables the isolated execution of software or programs for independent evaluation, monitoring or testing. 

2. License

UBB grants you a limited,  non-transferable, non-exclusive, as-is, non sub licensable license

to use the API for the sole purpose of developing and testing your applications.

3. Restrictions

You shall not- 

∙ change or delete any copyright, trademark, tradename or other proprietary notices, legends, symbols, or labels appearing on or in the API;

∙ Disclose, share  or divulge any of the API specifications to any third party;

∙ Represent in any way that your application is approved, recommended or endorsed by us;

∙ Disable, or by pass any security protocols or measures or technical limitations of the APIs; 

∙ Modify, decompile, reverse engineer or otherwise alter the APIs;

∙ Participate or engage in any activity which restricts, hinders, impedes, interrupts or harms the API in any way or permits unauthorised access to the API;

∙ Use the API and the content thereon for any purpose other than those expressly permitted by these Terms of Use

UBB reserves the right to modify, suspend or discontinue, temporarily or permanently, the APIs, with or without notice and without liability to you.

4. Intellectual Property

Intellectual Property Rights 

4.1 We retain all Intellectual Property Rights with respect to UBB API’s,  including content and documentation and these may not be copied, transmitted or reproduced without our  prior consent. All Intellectual Property Rights and other rights in connection with the Portal  (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) are vested in us or our licensors.   You agree that you shall not obtain any Intellectual Property Rights, title or interest in the Portal other than in accordance with these Terms of Use.

4.2  You undertake not to do anything which would bring UBB or any of it trademarks, trade names, logos, or branding into disrepute or harm the reputation and goodwill of UBB.

4.3 You acknowledge and agree that we may independently develop or create applications, content or other services or products that may be similar to and/or compete with your applications and nothing in these Terms of Use shall prevent us from exploiting any such commercial opportunities.

5. Term and Termination

This Agreement shall remain in effect until terminated by you or UBB. 

UBB may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from UBB, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the Application on our API.

Upon termination of this Agreement, you shall cease all use of the APIs on the Sandbox.

6. Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

7. Amendments to this Agreement

UBB reserves the right, at its sole discretion, to modify or replace this Agreement at any time. What constitutes a material change will be determined at our sole discretion.

8. Applicable law and jurisdiction

The provisions of the Bulgarian law shall apply to this Agreement. Disputes betwen UBB and you related to, or arising from this Agreement shall, unless settled amicably between UBB and you, be brought for resolution before the competent Bulgarian court in Sofia, Bulgaria.

Equity and Debt Financing

General Info

Equity and debt financing, as well as the registeration of corporate securities for trading on the Bulgarian Stock Exchange – Sofia provide companies with considerable advantages.

Financing opportunity

As an alternative to bank loans the capital market stands as a major source for attracting financing. Bulgarian companies have the opportunity to raise capital from Bulgarian and foreign institutional and portfolio investors.

Enhanced corporate attractiveness

Equity and debt financing increase the attractiveness of the company, its status and popularity among investors and provide access to new sources of funding.

Marketing effect

The brand name, the products and services of the company gain popularity among the general public and generate increased investor interest. The advertising effect is enhanced as a result of daily dissemination of trading information on the companies listed on the stock exchange.

Publicity and transparency

Publicity is a prerequisite for maintaining and improving financial accountability and leads to more efficient corporate governance.

Equity Financing

United Bulgarian Bank offers the following services in equity financing:

  • financial consultancy and investment intermediation for initial and secondary public offerings of equity instruments and capital increases;
  • investment intermediation with regard to registration of equity instruments for trading on the regulated market (Bulgarian Stock Exchange – Sofia);
  • investment intermediation for tender offers and stock buybacks.

The services provided encompass the entire process of equity financing:

  • market research and consultation on the structuring of the issue;
  • formulating a strategy of the offering;
  • analysis and valuation of the company;
  • preparation of a Prospectus/ Information memorandum of the issue;
  • interaction with the regulators (Financial Supervision Commission);
  • interaction with the capital markets (Bulgarian Stock Exchange – Sofia and Central Depository);
  • marketing and placement of the issue;
  • registration of the securities with the Central Depository;
  • registration of the securities and of the company with the Financial Supervision Commission;
  • registration of the securities for trading on the Bulgarian Stock Exchange – Sofia.

Debt Financing

United Bulgarian Bank offers the following services in debt financing:

  • structuring and management of corporate bond issues for private placement and public offering;
  • registration of debt instuments for trading on the Bulgarian Stock Exchange – Sofia.

The services provided encompass the entire process of debt financing:

  • market research and consultation on the structuring of the bond issue - type and volume of the issue, payments and payment frequency;
  • preparation of an Information Memorandum/ Prospectus of the bond issue;
  • negotiations with potential institutional investors;
  • opening a retention account with UBB;
  • bond issue placement;
  • registration of the securities with the Central Depository;
  • registration of the securities and of the company with the Financial Supervision Commission;
  • registration of the securities for trading on the Bulgarian Stock Exchange – Sofia.

IPOs and privatization deals managed by UBB

PrivatizationIndustry UBBAmount
Bulgartabac Holding ADTobaccoConsultant, BrokerEUR 40.55 m (Compensatory Instruments 79 m)
DZIInsuranceConsultant, BrokerEUR 23.56 m (Compensatory Instruments 46 m)
Oil and Gas Exploration and Production Plc.Petroleum products EUR 16.24 m
BulstradInsuranceConsultant, BrokerEUR 2.92 m
BTCTelecommunicationConsultant, BrokerEUR 323.47 m
IPOIndustry UBBAmount
Svilosa ADPaper and CelluloseConsultant, Investment intermediary BGN 25 m
Corporate Commercial Bank ADBanking-FinanceConsultant, BrokerBGN 58.5 m
Enemona ADHoldingCo-ManagerBGN 33.6 m
Mekom ADMeat-processingConsultant, Lead ManagerBGN 5.2 m
Agria Group ADHoldingConsultant, Investment intermediaryBGN 15.4 m
Infra Holding Plc.HoldingConsultant, Lead ManagerBGN 12.6 m
Alfa Wood Bulgaria ADWood-processingConsultant, Investment intermediaryBGN 12.1 m

Bond Issues managed by UBB

YearIssuerIndustryUBBNominal amount
2003Kaolin ADMiningCo-ManagerEUR 5 m
2004Unionbank ADBanking/ FinanceCo-ManagerEUR 10 m
2005Interlease Auto ADLeasingLead ManagerEUR 3 m
2005Sopharma ADPharmacyLead ManagerEUR 5 m
2005TC - IME ADReal estateCo-ManagerEUR 12 m
2005Fair Play
International AD
Real estateLead ManagerEUR 6.5m
2006Balkanstroy ADConstruction/
Real estate
Lead ManagerEUR 5 m
2006Farin EADAgricultureLead ManagerEUR 5 m
2006B.L. Leasing ADLeasingLead ManagerEUR 3 m
2006Enemona ADConstructionLead ManagerEUR 6 m
2006Erato Holding ADManufacturingLead ManagerEUR 4.5m
2006Alma Tour BG ADTourismLead ManagerEUR 5 m
2006Nikrom Trabna
Mebel AD
ManufacturingLead ManagerEUR 6 m
2007Kristera ADAgricultureLead ManagerEUR 4.5m
2007Eurolease Auto ADLeasingLead ManagerEUR 5 m
2007Fair Play
Agrarian Fund
AgricultureLead ManagerEUR 5 m
2007B.L.Leasing
/second issue/
LeasingLead ManagerEUR 3 m
2007

Eurolease Auto
/second issue/

LeasingLead ManagerEUR 5 m
2008Hlebni Izdelia
Poduiane AD
Food & Beverage IndustryCo-ManagerEUR 6 m
2008Hypocredit ADFinancial servicesLead ManagerEUR 10 m
2008Allianz Leasing
Bulgaria
LeasingCo-ManagerEUR 10 m
2009Pazardzhik MunicipalityMunicipalityLead ManagerEUR 7.5m
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