The following list of banks in Bulgaria is to be understood within the framework of the European single market and European banking union, which means that Bulgaria's banking system is more open to cross-border banking operations than peers outside of the EU.

Policy framework

European banking supervision, which Bulgaria joined in 2020 in anticipation of its euro adoption in early 2026, distinguishes between significant institutions (SIs) and less significant institutions (LSIs), with SI/LSI designations updated regularly by the European Central Bank (ECB). Significant institutions are directly supervised by the ECB using joint supervisory teams that involve the national 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. In Bulgaria's case, the NCA is the Bulgarian National Bank.

Significant institutions

As of , the ECB had one Bulgarian bank in its list of significant institutions:

DSK Bank AD, subsidiary of OTP Group

Of the four largest banks in Bulgaria, the other three are subsidiaries of euro-area banking groups (see detailed list below): United Bulgarian Bank, subsidiary of KBC Group UniCredit Bulbank, subsidiary of UniCredit Postbank, subsidiary of Eurobank Ergasias

Less significant institutions

As of , the ECB's list of supervised institutions included 17 Bulgarian LSIs.

High-impact LSIs

Of these, three were designated by the ECB as "high-impact" on the basis of several criteria including size:

Bulgarian Development Bank, a public bank First Investment Bank AD Invest Capital AD, holding entity of Central Cooperative Bank (see below)

Other LSIs

The 14 other Bulgarian LSIs were as follows:

Allianz Bulgaria Holding AD, subsidiary of Allianz , owned by Allianz Bulgaria Holding (BACB) Tokuda Bank AD, acquired by BACB from Central Cooperative Bank AD, controlled by Invest Capital D Commerce Bank AD

Festa Holding AD, holding entity of Investbank

, owned by Liechtenstein-based Novito Opportunities Fund AGmvK ProCredit Bank (Bulgaria) EAD, a subsidiary of ProCredit Holding TBI Bank EAD, a subsidiary of Advent International Texim Bank AD

Third-country branches

As of , one banking group established outside the European Economic Area had a branch in Bulgaria: Ziraat Bank

Detailed information

Аll amounts are in EUR thousand. Rank (2026) NameSWIFT (BIC)Assets Mar 2025Assets Jun 2025Assets Sep 2025Assets Dec 2025Assets Mar 2026 Shareholders - over 10% (Mar 2026) 1. DSK BankSTSABGSF19 088 62619 346 21220 155 39521 980 34323 492 940 OTP Bank RT, Hungary – 99.92%2.United Bulgarian BankUBBSBGSF19 637 97020 519 59421 395 73622 753 19723 125 560KBC BANK N.V., Kingdom of Belgium – 99.96% 3. UniCredit BulbankUNCRBGSF18 501 41318 993 17019 792 01520 971 20020 624 634UNICREDIT S.P.A., Republic of Italy – 99.45% 4.Eurobank Bulgaria (Postbank)BPBIBGSF12 072 01112 440 64612 736 30913 786 24113 973 390Eurobank Ergasias S.A., Greece – 99.99% 5.First Investment Bank (Fibank)FINVBGSF8 125 9868 095 0218 415 7919 077 38610 021 342 Ivaylo Dimitrov Mutafchiev, Republic of Bulgaria – 27.33% Tzeko Todorov Minev, Republic of Bulgaria – 27.33%

Bulgarian Development Bank, Republic of Bulgaria - 18.35% 6. Central Cooperative BankCECBBGSF4 738 5194 817 5415 062 8365 275 3305 456 641 CCB Group EAD, Republic of Bulgaria – 61.05% 7.Bulgarian Development BankNASBBGSF1 629 7801 620 7621 644 4293 513 7323 408 529 Ministry of Finance, Republic of Bulgaria – 100% 8. ProCredit Bank, BulgariaPRCBBGSF2 368 8112 467 1442 554 9362 656 5162 680 093 ProCredit Holding AG, Federal Republic of Germany – 100% 9. Allianz Bank BulgariaBUINBGSF2 359 8752 301 9662 417 7092 501 6332 530 008 Allianz Bulgaria Holding JSC, Republic of Bulgaria – 99.9% 10.TBI BankTBIBBGSF1 863 1951 940 2472 062 7932 195 0372 286 946 BAGO (LUXEMBOURG) S.A.R.L., Grand Duchy of Luxembourg – 100% 11. InvestbankIORTBGSF1 852 6771 934 7561 945 7382 016 3411 980 361 Festa Holding JSC, Republic of Bulgaria – 83.8% Petya Ivanova Barakova-Slavova, Republic of Bulgaria – 10.68% 12. International Asset BankIABGBGSF1 562 5981 568 3321 754 2531 642 1321 844 048 Dynatrade International Ltd, Republic of Bulgaria – 33% 13. Bulgarian-American Credit BankBGUSBGSF1 548 1361 451 1241 427 5011 459 4421 700 534 CSIF JSC, Republic of Bulgaria – 45.67% LTBI HOLDINGS LLC, USA – 33.45% 14. Municipal Bank PLCSOMBBGSF1 382 2901 427 7271 397 1011 592 2351 637 954 NOVITO OPPORTUNITIES FUND AGMVK, Principality of Liechtenstein – 96.51% 15. D Commerce BankDEMIBGSF1 150 9021 121 1621 179 8891 090 1041 227 035 Fuat Güven (Fuat Hyusniev Osmanov), Republic of Bulgaria – 55.52% FORTERA EAD, Republic of Bulgaria – 44.48% 16.Citibank Europe, Bulgaria BranchCITIBGSF1 155 4291 136 9351 101 9161 066 825989 083 Citibank Europe Plc., Republic of Ireland – 100% 17. ING Bank N.V., Sofia BranchINGBBGSF679 132678 907861 370788 698959 704 ING Bank N.V., Kingdom of the Netherlands – 100% 18.Texim BankTEXIBGSF360 963380 482413 309487 102486 208Web Finance Holding AD, Republic of Bulgaria – 16.64% 19. BNP Paribas S.A. – Sofia BranchBNPABGSX300 753323 966399 924508 472356 113BNP Paribas S.A., Republic of France – 100% 20. T.C. Ziraat Bank, Sofia BranchTCZBBGSF244 421274 242296 514316 255318 307 T.C. Ziraat Bankasi A.Ş., Ankara, Republic of Turkey – 100% 21. Tokuda BankCREXBGSF262 982261 612257 106260 499257 526 Bulgarian-American Credit Bank AD, Republic of Bulgaria – 100%22.Ascory Bank AG, Sofia BranchVGAGBGSF95 66495 94898 801100 304102 712Ascory Bank AG, Federal Republic of Germany – 100%23.Bigbank AS, Bulgaria BranchBIGKBGSF29 82534 05938 40645 22656 161Bigbank AS, Estonia – 100%

Defunct banks

The first modern credit institution in what is now Bulgaria was the of the Imperial 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.

Girdap (1881-1925) (1895-1947) (1895-1951) (1903-1952) (1904-1934) (1910-1934) (1925-1947) (1929-1947) (1929-1947) (1934-1947) (1934-1948) (1947-1967) Bulgarian Agricultural and Commercial Bank (1969-1971) (1969-1971) Unionbank (1991-2014) (1993-2020) (1993-2019) Corporate Commercial Bank (1994-2014) (1994-2022)

See also List of banks in the euro area List of banks in Europe

References