Balgarianovinite.com Net income from fees and commissions in the Bulgarian banking system grew by 9.5% on an annual basis to reach BGN 1.3 billion at the end of September, reads the Banks in Bulgaria quarterly publication of the Bulgarian National Bank. It was published on the central bank’s website on Monday. As of September 30, 2025, the banking system reported a profit of BGN 2.8 billion, or by BGN 91 million (3.3%) more than in the first nine months of 2024.
Net income from fees and commissions accounted for 21.8% of the net operating income of banks in Bulgaria. Revenues from fees and commissions grew by 11.3% year-on-year to BGN 1.7 billion at the end of the third quarter of 2025, while expenses for fees and commissions increased by 17.5% over the same period to BGN 393 million.
The total net operating income of the banking system increased by BGN 217 million (3.8%) compared to September 30, 2024, reaching BGN 6 billion at the end of September 2025.
Net interest income at the end of the third quarter of this year amounted to BGN 4.2 billion, or by BGN 33 million (0.8%) more compared to the same period last year, and its share in the structure of net operating income reached 69.6% (71.7% as of September 30, 2024). For the same period, interest income increased by BGN 93 million (1.9%) to BGN 5.1 billion, while interest expenses increased by BGN 60 million (7%) to BGN 921 million.
As of September 30, 2025, impairment losses on financial assets not measured at fair value through profit or loss amounted to BGN 506 million, which is by BGN 56 million (12.5%) more than reported for the nine months of 2024.
The administrative expenses of the banking system increased by BGN 86 million (4.8%) compared to the same period of 2024, to BGN 1.9 billion. Within their structure, personnel expenses increased by BGN 89 million (8.5%) to BGN 1.1 billion. Depreciation expenses increased to BGN 245 million (from BGN 236 million at the end of September 2024).
Gross non-performing loans and advances at the end of September 2025 amounted to BGN 3.8 billion (BGN 3.9 billion at the end of June 2025). Their share in gross loans and advances on a broad basis decreased to 2.3%, and on a narrow basis to 2.9% (from 2.5% and 3% at the end of June, respectively). During the July-September period of 2025, net non-performing loans and advances (after deduction of their inherent impairment), representing the residual credit risk in bank balance sheets, decreased by BGN 160 million (8.2%) to BGN 1.8 billion. The share of net non-performing loans and advances in total net loans and advances, presented in broad and narrow terms, was 1.1% and 1.4%, respectively, as of September 30 (compared to 1.2% and 1.5% at the end of June). Banking System Reports 3.3% Rise in Profit at End-September, Y/Y 2025 THE NEWS FROM BULGARIA – NEWS AGENCY 2009-2025 2025-12-22 15:14:53 Latest news World news Country news Most important news latest news most important latest of the day Justice Petar Nizamov Feathers Petar Nizamov- Feathers Justice bg iustitia.bg iustitia iusticia usticia investigation Burgas Bulgaria news news of the last hour news of the day news of today Bulgaria news The news from Bulgaria blitz news top news most important most commented latest news Boyko Borisov news weather coronavirus news news weather facebook youtube facebook instagram news today news of the last minutes news today today news news bg news leading news hot news bg news site for news all news news bg news of the last hour latest latest news bg news of today news today news today news of the last hour latest news today news bg news news 24 hours news vesti bg novini news world bird bg bivol bg bivol trud bg novini latest news today novinite bg news hello bulgaria political party coat of arms delyan peevski scandalous Bulgarian National Television Free Europe Television scandal exclusive live tv live right now tv tv online tv program bg live now tv news online tv online live court Burgas court Burgas district court Burgas court Burgas district court Burgas district court Burgas appellate court Burgas prosecutor Burgas prosecutor’s office Burgas district prosecutor’s office Burgas district prosecutor’s office Burgas district prosecutor’s office Burgas district prosecutor’s office Burgas district prosecutor’s office Burgas district prosecutor’s office Prosecutor General Ivan Geshev Prosecutor Geshev Tsatsarov Ministry of Internal Affairs Burgas ODMR Burgas ODPR Burgas police Burgas district police Burgas prosecutor Tsatsarov SGS cases Varna court chairman of the SGS court decisions on civil cases decisions on cases Plovdiv court decision of the court decisions cases Varna court criminal cases district district court decisions work in the court SGS chairman of the SGS judges Sofia court post judges Plovdiv court Plovdiv judges Plovdiv Supreme Court Inspectorate Supreme Court Supreme Judicial Council lawyer lawyer criminal cases lawyer civil cases lawyer marriage cases lawyer administrative criminal law criminal process civil law civil process administrative law constitutional law
