Our group

Our group

We are part of the Group of the Bulgarian Development Bank (BDB) - a financial institution, 100% owned by the Bulgarian state. It was established in 1999 as an Encouragement Bank, and the main focus of its activities is the support for small and medium enterprises. BDB is among the Bulgarian banks with the highest credit rating: "BBB" with a stable outlook from the international rating agency Fitch. This is the only Bulgarian bank that, in addition to direct financing, provides resources through other credit institutions. BDB is the best positioned bank in the country for attracting funds from international partners.

Its subsidiaries are also:

  • National Guarantee Fund - established in 2008 as a part of the Bulgarian Development Bank Group to improve the market lending conditions. The Fund issues guarantees complementing the collateral, required by the commercial banks, thus increasing the number of companies eligible for bank lending and decreasing the loan interest rates.

  • Micro Financing Institution JOBS - created in 2010 as a part of the group of The Bulgarian development bank. Its main purpose is to facilitate the access to financing of the micro and small businesses, agricultural producers, freelancers, craftsmen and others who develop or start new business on the territory of the country.

  • Capital Investments Fund - Capital participation in SMEs aimed at increasing their competitiveness, securing resources for Research & Development activities, enhancing the production capacity, providing financing prior to raising capital from the regulated market and utilizing EU funds.


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