By March 31, Bulgarian banks reported earnings totaling EUR 490 million, marking a 7.7% increase year-over-year, according to the Bulgarian National Bank. The banking system’s balance-sheet equity reached EUR 15.1 billion, an increase of EUR 82 million, or 0.5%, from the end of December 2025. In the first quarter of 2026, total banking assets amounted to EUR 119.5 billion, representing a 0.3% rise.
The liquidity coverage ratio at the end of March stood at 278.6%. Regarding lending, total gross loans and advances reached EUR 79.3 billion, an increase of EUR 5.2 billion, or 7%, month-on-month. The overall loan portfolio grew by EUR 2.6 billion, or 4%, to EUR 67.6 billion.
Household loans saw the largest increase, rising by EUR 1.2 billion, or 4.2%. Deposits in the banking system totaled EUR 99.8 billion at the end of March, up 2.5% from the end of February. Household deposits increased by EUR 1 billion, while deposits from credit institutions rose by EUR 950 million, or 10.7%.
In terms of risk, gross non-performing loans and advances stood at EUR 2.2 billion at the end of March, an increase of 11.1% from the end of December 2025. The net value of non-performing loans and advances for the first quarter of 2026 was EUR 1.1 billion, showing a 12% rise compared to the preceding period.
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