By March 31, Bulgarian banks reported earnings of EUR 490 million, representing a 7.7% increase from the previous year, according to the Bulgarian National Bank. The banking system’s balance-sheet equity reached EUR 15.1 billion, marking a 0.5% rise from the end of December 2025. Total assets for the first quarter of 2026 amounted to EUR 119.5 billion, an increase of 0.3%.
Impairment charges accrued on financial assets totaled EUR 149 million at the end of March, a notable rise from EUR 64 million in the corresponding period of 2025. Total gross loans and advances stood at EUR 79.3 billion, increasing by 7% month-on-month. The gross loan portfolio expanded to EUR 67.6 billion, with household loans rising by EUR 1.2 billion.
In terms of funding, total deposits reached EUR 99.8 billion, 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. Regarding asset quality, gross non-performing loans and advances at the end of March were EUR 2.2 billion, an increase of 11.1% compared to the end of December 2025.
The net value of these non-performing loans was EUR 1.1 billion. The liquidity coverage ratio at the end of March was 278.6%.
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By March 31, Bulgarian banks reported total earnings of EUR 490 million, reflecting a 7.7% increase compared to the previous year, according to the Bulgarian National Bank. Furthermore, the banking sy