Bulgarian banks generated EUR 490 million by March 31, representing a 7.7% increase from the previous year, according to the Bulgarian National Bank. As of the end of March, 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 measured at fair value through profit or loss totaled EUR 149 million at the end of March, up from EUR 64 million in the corresponding period of 2025.
For the first quarter of 2026, the banking system’s total assets amounted to EUR 119.5 billion, an increase of 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 reported at EUR 35.9 billion, with net outflows totaling EUR 12.9 billion (compared to a liquidity buffer of EUR 35.1 billion and net outflows of EUR 12.5 billion as of December 31).
At the end of March, total gross loans and advances stood at EUR 79.3 billion, marking a month-on-month rise of EUR 5.2 billion, or 7%. Claims on lending institutions increased by EUR 2.6 billion, or 29.2%, reaching EUR 11.7 billion. The overall gross loan portfolio increased by EUR 2.6 billion, or 4%, to EUR 67.6 billion.
Loan increases were noted for households, which rose by EUR 1.2 billion, or 4.2%, including EUR 946 million in residential property loans. Total deposits in the banking system reached EUR 99.8 billion at the end of March, an increase of EUR 2.4 billion, or 2.5%, from the end of February. Household deposits grew by EUR 1 billion, or 1.8%, while credit institution deposits rose by EUR 950 million, or 10.7%.
Conversely, deposits from other financial corporations decreased by EUR 390 million, or 15.5%. Gross non-performing loans and advances stood at EUR 2.2 billion at the end of March, an increase of EUR 223 million (11.1%) from the end of December 2025.
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