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Author: Petia Dimitrova, CEO, PostBank and President of the association of Banks in Bulgaria
In 2024, the Bulgarian banking sector demonstrated stable growth, despite economic challenges linked to inflation and international uncertainty. The banking system has continued to develop sustainably, preserving its capital stability and now high levels of liquidity. This resilience is the result of effective risk management, strategic investments in digitization and innovation, as well as the capacity of banks to adapt to the dynamic evolution environment. Despite the cost increase, the banking sector has managed to maintain its stability through well -structured management decisions and an optimized resource allowance.
The regulatory mechanisms imposed in recent years have provided high levels of capital adequacy, which has contributed to confidence in the sector. Digitization has remained an absolute priority, banks making significant investments in new technologies, improving the access and efficiency of the services offered. Customer service has also undergone a transformation, motivated by the automation and introduction of modern distance banking platforms, which have facilitated financial transactions for businesses and households.
Bulgaria also crossed a complex political situation in 2024. Parliamentary elections, as well as international geopolitical events, led to a postponement of entrepreneurs’ investment intentions. Thus, business loan growth has slowed around 10%on an annual basis, while retail segments continued to cook in advance – mortgage loans have maintained strong dynamics with annual growth of more than 25%, while consumer loans increased by 17%. It is important to note that this was not in the name of risk – non -efficient loan levels are at historically low levels, considerably decreasing on an annual basis.
Economic growth
Since the beginning of 2025, Bulgaria has become a full member of the Schengen region, which has opened up new opportunities for business and improved the conditions of trade and investment. This factor should have a positive impact on economic growth in the years to come.
At the same time, the effect of lowering interest rates of the European Central Bank will begin to reflect in the banking system, because the ECB will continue its gradual reduction in key interest rates in 2025. It is planned that in the middle of the year, the key interest rate will be reduced to two percent, which will have an impact on income from banks and will lead to better credit conditions.
Our mission is to make the bank more accessible, faster and more secure
The main objective of this year will be the successful transition to the euro zone. The adoption of the euro is a strategic moment for the country and will support the economic integration of Bulgaria, strengthening its competitiveness in international markets. It is expected that the new currency will contribute to improving international trade and will offer Bulgarian companies easier access to capital markets. The reduction in monetary risk will encourage the influx of capital and the financial system will become even more transparent and predictable.
The banking sector will continue to play a key role as a stable partner for businesses and households, providing support during the transition to the euro.
In 2025, efforts will be intensified to increase financial and digital literacy so that all economic participants can adapt effectively to new conditions. In addition, banks will continue to invest in innovation and technology to ensure a fluid and efficient transition to the euro and offer even more flexible and accessible services to their customers.
Modern solutions
As one of the leaders in the financial sector establishing trends and shaping the development department, post-banque is a participant active in the processes affecting Bulgarian society. We offer modern solutions, high -tech innovations and innovative products and services that guarantee speed, safety and excellent quality for transparent banking experience. Our mission is to make the bank more accessible, faster and safer.
We continue to successfully implement our digital strategy, and we believe that post-banque will soon be transformed into a technological company which offers customers total control of their finances thanks to intelligent and personalized services.
In conclusion, the banking sector in Bulgaria entered in 2025 on a solid basis, ready for new challenges and a clear accent on the successful integration of the country in the euro zone. Despite the dynamics of macroeconomic processes, banks remain stable and continue to be a reliable partner for businesses and citizens.