The profit of the banking system in Bulgaria amounted to

The profit of the banking system in Bulgaria amounted to 2.3 billion leva as of July 31, which is 129 million leva or 6 percent more than the one realized for the same period last year. Impairment expenses of financial assets not reported at fair value through profit or loss were 318 million leva as of July 31, 2025, 3 million leva (1.0%) less than those reported for the seven months of 2024. This is according to data announced by the BNB on the central bank's website.

According to data at the end of July, the assets of the banking system amounted to BGN 201 billion and were BGN 949 million (0.5 percent) less than at the end of June.

The liquidity coverage ratio as of July 31 was 243.7 percent, compared to 254 percent at the end of June.

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

Gross loans and advances at the end of July were BGN 131.3 billion, down by BGN 364 million or 0.3 percent compared to the end of June. Claims on credit institutions decreased by BGN 2.1 billion (14.9 percent) to BGN 11.9 billion, while the gross loan portfolio (non-financial corporations, households, other financial corporations and " General Government " ) increased by BGN 1.6 billion (1.4 percent) to BGN 119.1 billion during the month. An increase was recorded mainly in loans to households - by BGN 1 billion, or 2 percent (including BGN 730 million in loans secured by residential property), while those to non-financial corporations increased by BGN 129 million (0.2 percent). Loans to the " General Government " sector and to other financial corporations also increased - by BGN 325 million (38.3 percent) and by BGN 122 million (1.3 percent).

At the end of July, total deposits in the banking system amounted to 169.7 billion leva, the statistics also report. On a monthly basis, they decreased by 922 million leva or 0.5 percent. The decrease was mainly in deposits of credit institutions - by 2.6 billion leva (16.3 percent). Deposits of other financial enterprises and the " General Government " sector also decreased - by 618 million leva (13.4 percent) and by 481 million leva (10.2 percent). During the period, deposits of non-financial enterprises increased - by 1.5 billion leva (3 percent), as well as those of households - by 1.3 billion leva (1.4 percent).

The balance sheet equity of the banking system at the end of July amounted to 24.7 billion leva and increased by 47 million leva (0.2 percent) compared to the end of June, influenced by the increase in current profit, according to data announced by the BNB.