The followinglist of banks in Bulgaria is to be understood within the framework of theEuropean single market andEuropean banking union, which means thatBulgaria's banking system is more open to cross-border banking operations than peers outside of the EU.
European banking supervision, which Bulgaria joined in 2020 in anticipation of itseuro adoption in early 2026, distinguishes betweensignificant institutions (SIs) andless significant institutions (LSIs), with SI/LSI designations updated regularly by theEuropean Central Bank (ECB). Significant institutions are directly supervised by the ECB using joint supervisory teams that involve thenational competent authorities (NCAs) of individual participating countries. Less significant institutions are supervised by the relevant NCA on a day-to-day basis, under the supervisory oversight of the ECB.[1] In Bulgaria's case, the NCA is theBulgarian National Bank.[2]
As of 1 September 2025, the ECB had one Bulgarian bank in its list of significant institutions:[3]
Of the four largest banks in Bulgaria, the other three are subsidiaries of euro-area banking groups (see detailed list below):
As of 1 September 2025, the ECB's list of supervised institutions included 17 Bulgarian LSIs.[3]
Of these, three were designated by the ECB as "high-impact" on the basis of several criteria including size:
The 14 other Bulgarian LSIs were as follows:
As of 13 October 2025, one banking group established outside theEuropean Economic Area had a branch in Bulgaria:[6]
Аll amounts are in EUR thousand.
| Rank (2025) | Name | SWIFT (BIC) | Assets Sep 2024[7] | Assets Dec 2024[8] | Assets Mar 2025[9] | Assets Jun 2025[10] | Assets Sep 2025[11] | Shareholders - over 10% (Sep 2025)[11] |
|---|---|---|---|---|---|---|---|---|
| 1. | United Bulgarian Bank | UBBSBGSF | 18 237 806 | 19 154 343 | 19 637 970 | 20 519 594 | 21 395 736 | KBC BANK N.V., Kingdom of Belgium – 99,96% |
| 2. | DSK Bank | STSABGSF | 18 028 237 | 18 642 191 | 19 088 626 | 19 346 212 | 20 155 395 | OTP Bank RT, Hungary – 99.92% |
| 3. | UniCredit Bulbank | UNCRBGSF | 16 773 742 | 17 842 478 | 18 501 413 | 18 993 170 | 19 792 015 | UNICREDIT S.P.A., Republic of Italy – 99.45% |
| 4. | Eurobank Bulgaria (Postbank) | BPBIBGSF | 10 690 521 | 11 533 737 | 12 072 011 | 12 440 646 | 12 736 309 | Eurobank Ergasias S.A., Greece – 99,99% |
| 5. | First Investment Bank (Fibank) | FINVBGSF | 7 513 740 | 8 044 392 | 8 125 986 | 8 095 021 | 8 415 791 | Ivaylo Dimitrov Mutafchiev, Republic of Bulgaria – 27.33%Tzeko Todorov Minev, Bulgarian Development Bank, |
| 6. | Central Cooperative Bank | CECBBGSF | 4 510 719 | 4 644 155 | 4 738 519 | 4 817 541 | 5 062 836 | CCB Group EAD, Republic of Bulgaria – 61.05% |
| 7. | ProCredit Bank, Bulgaria | PRCBBGSF | 2 289 757 | 2 345 447 | 2 368 811 | 2 467 144 | 2 554 936 | ProCredit Holding AG, Federal Republic of Germany – 100% |
| 8. | Allianz Bank Bulgaria | BUINBGSF | 2 116 781 | 2 253 580 | 2 359 875 | 2 301 966 | 2 417 709 | Allianz Bulgaria Holding JSC, Republic of Bulgaria – 99.9% |
| 9. | TBI Bank | TBIBBGSF | 1 714 353 | 1 788 289 | 1 863 195 | 1 940 247 | 2 062 793 | TBIF Financial Services B.V., Kingdom of the Netherlands – 100% |
| 10. | Investbank | IORTBGSF | 1 742 303 | 1 784 077 | 1 852 677 | 1 934 756 | 1 945 738 | Festa Holding JSC, Republic of Bulgaria – 83.8% Petya Ivanova Barakova-Slavova, |
| 11. | International Asset Bank | IABGBGSF | 1 437 750 | 1 421 632 | 1 562 598 | 1 568 332 | 1 754 253 | Dynatrade International Ltd, Republic of Bulgaria – 33% |
| 12. | Bulgarian Development Bank | NASBBGSF | 1 488 587 | 1 609 613 | 1 629 780 | 1 620 762 | 1 644 429 | Ministry of Finance, Republic of Bulgaria – 100% |
| 13. | Bulgarian-American Credit Bank | BGUSBGSF | 1 376 997 | 1 407 074 | 1 548 136 | 1 451 124 | 1 427 501 | CSIF JSC, Republic of Bulgaria – 45.67% LTBI HOLDINGS LLC, |
| 14. | Municipal Bank PLC | SOMBBGSF | 1 314 831 | 1 269 584 | 1 382 290 | 1 427 727 | 1 397 101 | NOVITO OPPORTUNITIES FUND AGMVK, Principality of Liechtenstein – 96.51% |
| 15. | D Commerce Bank | DEMIBGSF | 1 099 886 | 1 105 755 | 1 150 902 | 1 121 162 | 1 179 889 | Fuat Güven (Fuat Hyusniev Osmanov), Republic of Bulgaria – 55.52% FORTERA EAD, |
| 16. | Citibank Europe, Bulgaria Branch | CITIBGSF | 1 015 431 | 1 048 158 | 1 155 429 | 1 136 935 | 1 101 916 | Citibank Europe Plc., Republic of Ireland – 100% |
| 17. | ING Bank N.V., Sofia Branch | INGBBGSF | 690 612 | 729 646 | 679 132 | 678 907 | 861 370 | ING Bank N.V., Kingdom of the Netherlands – 100% |
| 18. | Texim Bank | TEXIBGSF | 348 219 | 353 195 | 360 963 | 380 482 | 413 309 | Web Finance Holding AD, Republic of Bulgaria – 16.64% |
| 19. | BNP Paribas S.A. – Sofia Branch | BNPABGSX | 308 929 | 358 452 | 300 753 | 323 966 | 399 924 | BNP Paribas S.A., Republic of France – 100% |
| 20. | T.C. Ziraat Bank, Sofia Branch | TCZBBGSF | 226 128 | 246 433 | 244 421 | 274 242 | 296 514 | T.C. Ziraat Bankasi A.Ş., Ankara, Republic of Turkey – 100% |
| 21. | Tokuda Bank | CREXBGSF | 261 215 | 264 067 | 262 982 | 261 612 | 257 106 | Tokushukai Incorporated, Japan – 100% |
| 22. | Varengold Bank AG, Sofia Branch | VGAGBGSF | 60 875 | 82 003 | 95 664 | 95 948 | 98 801 | Varengold Bank AG, Federal Republic of Germany – 100% |
| 23. | Bigbank AS, Bulgaria Branch | BIGKBGSF | 16 403 | 23 762 | 29 825 | 34 059 | 38 406 | Bigbank AS, Estonia – 100% |
The first modern credit institution in what is now Bulgaria was thePlovdiv branch [bg] of theImperial Ottoman Bank, in activity from 1878 to 1899. A number of former Bulgarian banks, defined as having been headquartered in present-day Bulgarian territory, are documented on Wikipedia. They are listed below in chronological order of establishment.
