Bulgarian banks generated EUR 490 million by March 31, marking 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%, compared to 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 the month, up from EUR 64 million in the same period of 2025.
In the first quarter of 2026, the banking system’s assets amounted to EUR 119.5 billion, representing a rise 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 stood at EUR 35.9 billion, while net outflows totaled 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 of March, total gross loans and advances reached 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 EUR 11.7 billion. The overall gross loan portfolio, encompassing non-financial corporations, households, other financial corporations, and the general government sector, grew by EUR 2.6 billion, or 4%, to EUR 67.6 billion.
Household loans increased by EUR 1.2 billion, or 4.2%, to a total of EUR 1.2 billion, which included EUR 946 million secured by residential property. Total deposits in the banking system at the end of March 2026 stood at EUR 99.8 billion, an increase of EUR 2.4 billion, or 2.5%, from the end of February. Government deposits rose by EUR 494 million, or 26.7%, while non-financial corporate deposits grew by EUR 330 million, or 1.2%.
Gross non-performing loans and advances at the end of March were EUR 2.2 billion, an increase of EUR 223 million (11.1%) from the end of December 2025.
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