site.btaBanking System Profit Up 6% Y/Y to BGN 2.3 Bln by end-July

As of July 31, 2025, the profit of the banking system was BGN 2.3 billion, marking an BGN 129 million (6.0%) increase compared to the same period last year, the Bulgarian National Bank (BNB) reported on Friday. 

BNB data show that at the end of July 2025, the assets of the banking system were BGN 201 billion, by BGN 949 million (0.5%) less compared to the end of June. 

The liquidity coverage ratio as of July 31 was 243.7% (254.0% at end-June). 

The liquidity buffer was BGN 53.6 billion, and the net liquidity outflows were BGN 22 billion (BGN 53.5 billion and BGN 21.1 billion, respectively, as of June 30).

At the end of July, gross loans and advances amounted to BGN 131.3 billion, decreasing by BGN 364 million (0.3%) compared to end-June. Claims on credit institutions decreased by BGN 2.1 billion (14.9%) to BGN 11.9 billion, while the gross loan portfolio grew during the month by BGN 1.6 billion (1.4%) to BGN 119.1 billion.

There was an increase mainly in the loans to households – by BGN 1.0 billion, or 2.0% (including by BGN 730 million for loans collateralized by residential immovable property), and those to non-financial corporations grew by BGN 129 million (0.2%). Loans to the general governments sector and to other financial corporations also increased, by BGN 325 million (38.3%) and by BGN 122 million (1.3%), respectively.

At the end of July 2025, the total deposits in the banking system stood at BGN 169.7 billion, decreasing by BGN 922 million (0.5%) on a monthly basis.

A decrease was registered mainly in the deposits of credit institutions by BGN 2.6 billion (16.3%). The deposits of other financial corporations and of the general governments sector also decreased, by BGN 618 million (13.4%) and by BGN 481 million (10.2%), respectively. 

Over the period, the deposits of non-financial corporations increased by BGN 1.5 billion (3.0%), as did those of households, by BGN 1.3 billion (1.4%).

The total equity in the balance sheet of the banking system amounted to BGN 24.7 billion at the end of July, BGN 47 million (0.2%) more compared to the end of June, influenced by the higher current profit.