Bulgaria's top three banks in terms of assets are Unicredit Bulbank, DSK Bank and United Bulgarian Bank, according to statistics of the Bulgarian National Bank.

These three also make the highest profits, accounting for 54.58% of the total bank earnings.

According to unaudited data, the banking systems' 2007 profit totals 1.144 bln leva (584.9 million euros), or 336 million leva (41.6%) up from 2006.

Unicredit Bulbank tops the chart with assets in the amount of 9 billion leva (4.60 billion euros), or 15.38% of the total for the banking system. The lender's 2007 profit came to 253.7 million leva (129.7 million leva), or 22.2% of total earnings of Bulgarian banks.

DSK Bank and United Bulgarian Bank posted similar earning figures last year – around 185 million leva (94.58 million euros). DSK Bank's assets, though, exceed those of UBB by some 1.7 billion leva.

First Investment Bank is sixth, which makes it the highest ranking public creditor. With assets in the amount of 4.2 billion leva FIB is also the biggest Bulgarian-owned bank.

The average ROA of Bulgarian banks stands at 1.94%. BACB has the highest (7.41%), which is largely attributed to the specifics of the sector it operates in.

The only Bulgarian bank to end 2007 at a loss is Emporiki.

At the end of December 2007, assets of the banking system totaled 59.1 billion leva (30.2 billion euros).

Assets rose by 7.2 billion leva (13.8%) in Q4, adding 4.1 billion just in December. The y/y increase came to 16.9 billion leva (40%).

BankThousand BGNThousand BGNRoAUnicredit Bulbank90657332537042,80%DSK Bank78486851854932,36%United Bulgarian Bank61295861849363,02%Raiffeissen Bank (Bulgaria)5979390953501,59%Eurobank EFG Bulgaria4377303506971,16%First Investment Bank 4205076500651,19%Piraeus Bank Bulgaria3566983362711,02%Economic and Investment Bank 1982399413662,09%Societe Generale Express Bank 1793256287641,60%Corporate Commercial Bank 1616011231771,43%Central Cooperative Bank 1565351203211,30%Alfa Bank- Sofia 14656764700,03%CB Allianz Bulgaria1464071192601,32%CB Investbank1085721102620,95%CB MKB Unionbank102615075190,73%Municipal Bank 1013069135471,34%ProCredit Bank 846658134251,59%Bulgarian American Credit Bank 689632511007,41%BNO Pariba – Sofia 549402109972,00%International Asset Bank 523276129142,47%City Bank – Sofia 44245580941,83%Ing Bank – Sofia 403820107392,66%Tokuda Bank 30132640981,36%Emporiki Bank – Bulgaria 239225-1372-0,57%НАСЪРЧИТЕЛНА БАНКА23346760032,57%Commercial D Bank 22319411550,52%NLB West-East Bank19660132941,68%TeximBank5899410831,84%TC Ziraat Bankasi A.S. 408818262,02%
5893339111435581,94%