Bulgarian National Bank (BNB): regulatory returns

What this page covers

5 returns: 2 national (BNB's own; group names end "(national)") and 3 EU-harmonised (group names end "(EU, EBA)"). Anchor pages: (1) BNB's "Reporting requirements" page (Bank Supervision > Reporting requirements and disclosure), which lists every area of Annex I to Commission Implementing Regulation (EU) 2024/3117 that applies to Bulgarian institutions (own funds and capital requirements, IFRS and national-accounting financial reporting, losses on loans secured on immovable property, large exposures, leverage, net stable funding ratio, asset encumbrance, additional liquidity monitoring metrics, liquidity coverage, G-SII, interest rate risk in the banking book), the EBA guidelines on remuneration, diversity and high-earner benchmarking, bank funding plans, and BNB's own Ordinance No 37 on banks' internal exposures; (2) BNB's "Capital adequacy" page, which points to the same "Reporting requirements" section for capital-related reporting; (3) Ordinance No 37 of 16 July 2018 on banks' internal exposures, whose own Article 7 sets the national reporting duty; (4) the Instructions under BNB Ordinance No 30 of 11 September 2024 on calculating banks' deposit guarantee premium contributions, found from the national legal framework list for Bank Supervision. Covered: three of the EU-harmonised report areas BNB's Reporting requirements page names (own funds and capital requirements, IFRS financial reporting, and large exposures), matched to the library's existing EBA entries, plus both of BNB's own national returns found so far (banks' internal exposures, and deposit guarantee premium information). Left out: the other EU-harmonised report areas BNB's own page names (losses on immovable property, leverage, net stable funding ratio, asset encumbrance, additional liquidity monitoring metrics, liquidity coverage, G-SII, interest rate risk in the banking book, remuneration and diversity benchmarking, high earners, bank funding plans), each already in the library under the European Banking Authority and left for a later update to match against BNB's own page; BNB's statistical reporting (monetary and balance-of-payments statistics, described on separate pages from "Bank Supervision"); and reporting by payment institutions, e-money institutions and other financial institutions, which BNB's own "Bank Supervision" navigation lists under separate headings not examined so far. Source

How firms file

• FINNET

  The BNB's electronic reporting portal. Banks file the deposit guarantee premium information forms (BNB Ordinance No 30) with the Bulgarian Deposit Insurance Fund through this portal, using a qualified electronic signature. Source

Data the BNB publishes from the returns

• Financial and supervisory reports - banks and branches of foreign banks

  Firm by firm · Excel workbooks published per quarter

  Quarterly workbooks, named by individual bank and branch of a foreign bank operating in Bulgaria, covering balance sheet, income statement, capital and liquidity data. Published as an archive back to 2004. Source

  From: COREP OF, FINREP

  Reuse: The BNB's general Rights of use apply (see the licence block): reproduction is permitted with the source cited, unaltered.

• Financial and supervisory reports - banking system and bank groups

  Added up across firms · Excel workbook published per quarter

  Quarterly workbook of the same data added up for the banking system as a whole and for bank groups. Published as an archive back to 2004. Source

  From: COREP OF, FINREP

  Reuse: The BNB's general Rights of use apply (see the licence block): reproduction is permitted with the source cited, unaltered.

Reuse terms for the BNB's documents

Bulgarian National Bank: "Rights of use" (Права за ползване), checked 13 November 2026. In the BNB's words:

By using the BNB's website, you obtain permission to create links, save files, distribute and reproduce data, provided that you cite the source and do not alter or distort the material.

Can others share copies?

Allowed with conditions.

Conditions

Cite the Bulgarian National Bank as the source. Do not alter or distort the material.

What the library does

Links each document on the regulator's own site, with its size and SHA-256 fingerprint so a change can be spotted. Documents are never hosted on line4.ai.

Notice the BNB's terms ask for: Source: Bulgarian National Bank, https://www.bnb.bg. The plain-English summaries are Line4's own; the Bulgarian National Bank does not endorse this library.

What could not be verified

Said plainly, so nobody relies on a fact the sources do not give.

• No English translation of Ordinance No 37 or of the Instructions under Ordinance No 30 was found among the pages read so far; both were read in Bulgarian.
• BNB's Reporting requirements page names nine further EU-harmonised report areas (losses on loans secured on immovable property, large exposures, leverage, net stable funding ratio, asset encumbrance, additional liquidity monitoring metrics, liquidity coverage, G-SII indicators, interest rate risk in the banking book) and three EBA guideline-based returns (remuneration and diversity benchmarking, high earners, bank funding plans), each already in the library under the European Banking Authority; none is matched to a BNB-specific entry on this page yet.
• Only Appendix 1 of the three deposit guarantee premium information forms (Ordinance No 30) was downloaded; Appendices 2 and 3 are named from the Instructions but their own files were not fetched so far.
• The deadline for the two EU-harmonised returns is stated only by reference to Commission Implementing Regulation (EU) 2024/3117; BNB's own pages read so far do not restate the EU-wide remittance calendar, unlike some other EU national regulators' pages in this library.
• No BNB page stating the current number of banks, branches or significant/less significant institutions operating in Bulgaria was read so far, so the size of the supervised population is not given on this page.
• BNB's reporting duties for payment institutions, e-money institutions and other financial institutions under Article 3 of the Credit Institutions Act were not examined so far.

Sources

• Reporting requirements
• Capital adequacy
• Bank Supervision
• Single Supervisory Mechanism
• National legal framework (Bank Supervision)
• Financial and supervisory reports - banks and branches of foreign banks
• Financial and supervisory reports - banking system and bank groups
• Rights of use

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. See every regulator in the regulatory returns library.