At the end of the first quarter of 2026, amid a rapidly changing geopolitical environment and growing global trade tensions, BACB AD continued its sustainable development, adapting quickly and effectively to the changing environment. The Bank’s assets increased by 9.84% year-on-year, reaching EUR 1,700,534 thousand.

During the first quarter of 2026, the Bank’s loan portfolio recorded growth of 4.55% compared to the same period in 2025, against growth of 15.93% for the banking system as a whole. The corporate loan portfolio increased by 8.87% at the end of March 2026, compared to 10.09% for the banking sector, relative to March 2025, driven by BACB’s strategy to support the sustainable economy.

BACB AD continues to manage and expand its loan portfolio successfully, recording the strongest growth during the period in lending to individuals. The number of applications submitted through digital service channels has increased. The mortgage loan portfolio grew by 25.57%, compared to 29.89% for the sector, relative to March 2025. The increase in lending within this segment is attributable to the favourable interest rate conditions and flexible financing schemes offered by the Bank, while maintaining prudent credit risk management.

At the end of the first quarter of 2026, BACB AD reported a 19.83% increase in funds attracted from customers compared to March 2025, against growth of 15.98% for the banking sector. This increase was driven by a 10.40% rise in funds attracted from corporate clients at the end of March 2026, compared to the same period in 2025, while the banking sector recorded growth of 9.65%. The achieved growth is underpinned by BACB’s customer-oriented banking products, as well as the security and quality of the services it provides.

Driven by the strong activity of existing clients and the successful acquisition of new customers, during the first quarter of 2026 the Bank reported a 25.32% increase in net fee income, compared to market growth of 1.72% over the same period. The low interest rate environment, competition among banks and significantly narrowed interest margins contributed to the slight increase in net interest income. The full financial statements of BACB AD, together with the complete management report, are available on the corporate website of BACB AD under the “Investor Relations” section at Investor Relations.

BACB AD Financial Indicators – Individual Basis

BGN '000	Q1'25	Q1'26	delta %
Interest income	13 902	13 742	-1.15%
Ineterest expence	-2 686	-1 993	-25.80%
Net interest income	11 216	11 749	4.75%
Net fees income	1 921	2 408	25.32%
Net profit	6 256	3 213	-48.64%
Loans (net)/Кредити (нето)	965 885	1 009 869	4.55%
Deposits	1 207 089	1 446 471	19.83%
Total borrowed funds	1 239 976	1 481 094	19.45%
Total assets	1 548 136	1 700 534	9.84%