Bulgarian banks generated EUR 490 million by March 31, marking a 7.7% increase from the previous year, according to the Bulgarian National Bank on Thursday. 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. Impairment charges on financial assets not carried at fair value through profit or loss totaled EUR 149 million at the end of March, compared to EUR 64 million during the same period of 2025.
For the first quarter of 2026, the banking system’s total assets amounted to EUR 119.5 billion, up by EUR 3.4 billion, or 0.3%. The liquidity coverage ratio at the end of March was 278.6% (compared to 280.6% at the end of December 2025). The liquidity buffer was EUR 35.9 billion, while net outflows were EUR 12.9 billion (up from a liquidity buffer of EUR 35.1 billion and net outflows of EUR 12.5 billion as of December 31).
At the end-March, total gross loans and advances stood at EUR 79.3 billion, an increase of EUR 5.2 billion, or 7% month-on-month. Claims on lending institutions rose by EUR 2.6 billion, or 29.2%, to reach EUR 11.7 billion. The gross loan portfolio, covering various sectors, grew by EUR 2.6 billion, or 4%, to EUR 67.6 billion.
Loans to households increased by EUR 1.2 billion, or 4.2%, to EUR 1.2 billion, including EUR 946 million secured by residential property. At the end of March 2026, total deposits in the banking system were EUR 99.8 billion, up by EUR 2.4 billion, or 2.5%, from the end-February. Household deposits rose by EUR 1 billion, or 1.8%, and deposits from credit institutions increased by EUR 950 million, or 10.7%.
Non-performing loans and advances at the end-March stood at EUR 2.2 billion, an increase of EUR 223 million (11.1%) compared to the end of December 2025.
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By March 31, Bulgarian banks reported profits totaling EUR 490 million, representing a 7.7% increase compared to the same period last year, according to the Bulgarian National Bank on Thursday. Furthe