CB TBI Bank EAD (TBIC) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBIC - ISIN: BG2100042238 - Date of interest payment: 15.03.2025 - Coupon rate: 9.5 % - All bondholders registered with the Central Depository as of 10.03.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 06.03.2025 (Ex Date: 07.03.2025).
Source: BSE (06.03.2025)

BSE Board of Directors adopted the following decision at a session held under Record of Proceedings No. 15 of 06 March 2025: Regarding an application submitted by CB TBI Bank EAD Investment Intermediary under Art. 36 (1) of Part II - Membership Rules of the BSE Rules and Regulations, the Board of Directors admits a new broker to trading on the Exchange as follows: - Georgi Kostadinov - Correspondence address: Sofia, 52-54 Dimitar Hadzhikotsev St. - Telephone number: +359 89 3074 174 - E-mail: gkostadinov@tbibank.bg
Source: BSE (07.03.2025)

tbi bank successfully issued a 3.5-year private bond issue worth EUR 34 million, which meets the MREL requirements. The issue was oversubscribed with applications for nearly EUR 40 million - well above the initial target (EUR 10-20 million). The bank fulfilled nearly a hundred orders from investors who offered an interest rate equal to or less than 7.6% (with a final application range of 7.5-7.7%). Bondholders will receive an annual interest rate of 7.6%, paid twice a year. The maturity of the securities is in September 2028. However, the bank has the option to redeem the bonds one year earlier. This is the largest bond issue issued by tbi bank, at the lowest interest rate for this type of instrument (MREL). The process was managed entirely by the bank's team. The legal advisor is the law firm "Tsvetkova, Bebov and Partners", a member of Eversheds Sutherland. Over the past four years, the bank has established itself as the leader in the Bulgarian public bond market by number of issues. The new bonds will be listed for trading on the Bulgarian Stock Exchange within the next six months.
Source: money.bg (11.03.2025)

CB TBI Bank EAD (TBIA) The Bank issued a bond, ISIN BG2100003255, on 07 March 2025 under terms of placement that did not require the publication of a prospectus.
Source: BSE (12.03.2025)

CB TBI Bank EAD (TBID) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBID - ISIN: BG2100021240 - Date of interest payment: 21.03.2025 - Coupon rate: 9 % - All bondholders registered with the Central Depository as of 14.03.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 12.03.2025 (Ex Date: 13.03.2025).
Source: BSE (12.03.2025)

The largest banks by assets in Bulgaria Data from the Bulgarian National Bank (BNB) showed that the leader in terms of assets remains United Bulgarian Bank (UBB) in 2024. It took this position in the second quarter of 2023, after the merger with KBS Bank – the successor to Raiffeisenbank Bulgaria – was finalized. UBB consolidated its leadership position, reporting a 10% annual growth in assets to BGN 37.5 billion. The second position this year is again for DSK Bank, whose assets increased by over 11% to BGN 36.5 billion. Although it is still BGN 1 billion behind the leader, compared to the previous year, the bank, which is a subsidiary of the Hungarian OTP Bank, has managed to catch up nearly BGN 300 million of its lag. In third position this year is UniCredit Bulbank, which was the largest bank in Bulgaria for decades, but lost first place in 2022. By the end of 2024, its assets were estimated at 34.9 billion BGN and grew by 8.6% per year. Thus, the assets of the three largest banks in Bulgaria are already approaching 109 billion BGN – over 56% of the total assets of the system (191.6 billion BGN) and over 50% of the value of the entire Bulgarian economy in 2024 (202 billion BGN according to preliminary data). The fourth in terms of asset value is Postbank. It is it that also reports the largest increase – over 16% to 22.6 billion BGN. In fifth place is the largest bank with predominantly Bulgarian ownership – First Investment Bank (FIB) – with assets worth 15.8 billion BGN. Thus, the banks in the Top 5 manage assets that are estimated at nearly 77% of the entire banking system and 73% of the country's economy. Central Cooperative Bank (CCB) occupies the sixth position with assets of 9 billion leva. Seventh place goes to ProCredit Bank, which reports some of the largest growth for the year in the business segment. Allianz Bank occupies the eighth position, and the only shift in the top 10 is at tbi bank, which managed to attract attention with its significantly higher interest rates on deposits - a policy that helped it attract resources with which to accelerate lending. With this approach, at the end of 2023, the bank entered the top 10 by assets in Bulgaria, and at the end of 2024 it is already ninth with assets of 3.5 billion leva. The last bank in the top 10 is another one with Bulgarian ownership and a focus on corporate lending - Investbank - with assets of 3.5 billion leva.
Source: economic.bg (15.04.2025)

Advent International wants to acquire TBI Bank Private equity investor Advent has entered into a definitive agreement with digital consumer credit group 4finance Holding to acquire TBI Bank (tbi). The transaction value exceeds the value of the bank’s assets as of the end of 2024, with over 75% of the consideration to be paid immediately and the balance to be paid within the next 18 months. Founded in 2002, TBI Bank operates in Bulgaria, Romania and Greece and is present at more than 32,000 merchant payment partner points, serving over 2.4 million customers. In 2024, the bank reported record net income of EUR 50 million, an increase of 18% compared to the previous year. The buyer Advent has significant banking and fintech investments around the world, such as Nubank (Brazil), KreditBee (India) and Aareal Bank (Germany). In February 2024 Advent International has also acquired Bulgarian-based fintech company MyPOS. It serves over 190,000 small businesses in more than 30 European countries. With Advent’s support, MyPOS plans to expand its presence in the European market and continue its development as a leader in the micro, small and medium-sized enterprise segment of the payments industry. The transaction is subject to regulatory approval and is expected to close in the fourth quarter of 2025.
Source: money.bg (22.04.2025)

CB TBI Bank EAD (TBIA) 4finance Holding S.A. signed the finalised sale agreement of TBI Bank to Advent International through its subsidiary TBI Financial Services B.V.
Source: BSE (23.04.2025)

CB TBI Bank EAD (TBIB) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBIB - ISIN: BG2100005235 - Date of interest payment: 09.06.2025 - Coupon rate: 9 % - All bondholders registered with the Central Depository as of 02.06.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 29.05.2025 (Ex Date: 30.05.2025).
Source: BSE (29.05.2025)

As of March 31, 2025, 23 banks operate in the banking sector of Bulgaria, 6 of which are branches of foreign credit institutions. On April 22, 2025, an agreement was concluded between 4finance Holding S.A. and the private equity fund Advent International for the acquisition of 100% of the capital of TBI Bank EAD. The deal is expected to be completed at the end of 2025 after approval by the ECB, BNB and CPC. Total assets of the banking sector as of March 31, 2025 amounted to BGN 197.6 billion, recording a growth of 3.11% compared to December 31, 2024. The share of the five largest banks based on total assets amounted to 76.65 percent. United Bulgarian Bank AD remains in the leading position with assets of BGN 38.4 billion. or 19.44% market share, marking a growth of 2.52% in assets compared to December 31, 2024. DSK Bank AD occupies second position with 18.90% market share and growth in assets of 2.39% compared to the end of last year. In third position is UniCredit Bulbank AD with a market share of 18.32% and growth in assets of 3.69% compared to December 31. In fourth and fifth place, unchanged compared to the end of 2024, are Eurobank Bulgaria AD and First Investment Bank AD, respectively. The banks' net assets as of March 31, 2025 amounted to BGN 23.5 billion and marked a growth of 1.34% compared to December 31, 2024. The net profit of the banking system marked a growth of 8.74%, reaching BGN 889 million. for the first quarter of 2025, compared to BGN 818 million for the same period in 2024. Net interest income (calculated on the basis of Interest Income - Interest Expenses) for the sector as of March 31 this year amounted to BGN 1.38 billion, marking a growth of 1.46% compared to BGN 1.36 billion as of March 31, 2024. Net income from fees and commissions (calculated on the basis of Fees and Commission Income - Fees and Commissions Expenses) for the sector as of March 31, 2025 amounted to BGN 420 million, marking a growth of 12.45% compared to BGN 373 million as of March 31, 2024.
Source: Banker (03.06.2025)

CB TBI Bank EAD (TBIC) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBIC - ISIN: BG2100042238 - Date of interest payment: 15.06.2025 - Coupon rate: 9.5 % - All bondholders registered with the Central Depository as of 09.06.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 05.06.2025 (Ex Date: 06.06.2025).
Source: BSE (05.06.2025)

CB TBI Bank EAD (TBID) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBID - ISIN: BG2100021240 - Date of interest payment: 21.06.2025 - Coupon rate: 9 % - All bondholders registered with the Central Depository as of 16.06.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 12.06.2025 (Ex Date: 13.06.2025).
Source: BSE (12.06.2025)

TB TBI Bank EAD (TBIB) The Board of Directors of TBI Bank EAD has decided to convene a General Meeting of bondholders of the bond issue with ISIN code BG2100005235, issued by TBI Bank EAD (TBIB), which will be held on 04.07.2025 at 11.00 a.m. in Sofia, 52-54 Dimitar Hadzhikotsev Str., with the following agenda: - Change in the terms of the bond loan. Draft resolution: Changes the maturity date of the bond issue with ISIN code BG2100005235 by extending the current term by 1 year. The new maturity date will be 09.06.2027. The redemption option exercised by the Issuer will also be changed, as the term is extended by 1 year.
Source: BSE (19.06.2025)

tbi bank has made coupon payments to investors in MREL bonds maturing in June, September and December 2026. The total amount paid this month to investors in the bank's three bond issues is nearly EUR 1.6 million. Over the past four years, tbi bank has been providing investors with attractive and flexible options in terms of maturity and yield (annual interest from 5.25% to 9.5%), raising a total of EUR 84 million through various instruments. Recently, the global American investor Advent International signed an agreement to acquire tbi bank from 4finance Holding S.A. Following the announcement of the news, Moody's changed the outlook on the bank's rating from "stable" to "positive".
Source: money.bg (24.06.2025)

Founded in Bulgaria more than a decade ago, the fintech company myPOS has grown into a network of companies in different countries headquartered in London, its customers exceeded 250 thousand, and revenues - 80 million euros. At the beginning of 2024, myPOS became the property of the American private equity fund Advent International. Consolidated data of the parent company for 2023 report revenues of 83.6 million euros, growing from 60.1 million euros a year earlier, and profit slightly decreased from 5.4 to 3.9 million euros. The total volume of transactions in 2024 increased by 30% to nearly 14 billion euros. Of these, online transactions are 273 million euros, with their number increasing by 40%. At the same time, the company's customers increased by 42%, exceeding 250 thousand merchants across Europe. Since the beginning of this year, the UK-based fintech company has made a total of four acquisitions. The first was in January, when myPOS acquired the French company Toporder, a company for cash register software and digital sales management solutions. The aim of the deal is for the Varna-based company to strengthen its position in retail and HoReCa (the hospitality, restaurant and catering industry) in France. After the acquisition by the fintech company, they have merged their own product with that of the French company, and are now offering it to businesses in the country. In March, the acquisition of the UK-based payment solutions provider UTP Group Ltd was announced. The company is a distributor and, according to him, works with over 200 merchants across the market and will sell the fintech company's products. Also in March, another distributor was acquired, but this time based in Hungary. With the purchase of IQOM, the fintech company will have a regional center for Central and Eastern Europe (CEE) in Budapest, from where it will serve 12 markets in the Baltics and the Mediterranean. myPOS has also acquired the Munich-based fintech company Lavego AG, specializing in Girocard acceptance and secure payment solutions. The fintech company, which offers payment software and POS terminals for small and medium-sized businesses, was founded in 2012 in Varna and its founders are Hristo Georgiev and Yavor Petrov. In 2017, its headquarters moved to the UK, when the company myPOS World Ltd was established. It has subsidiaries in many countries, but a large part of its real activity, as well as most of its employees, are concentrated in Bulgaria. Here the company operates through the company "MyPOS Services", and until the beginning of 2025 through "MyPOS Technologies". The revenue of the former for 2023 grew minimally to 24.8 million leva from 23.3 million a year earlier. The second, which carried out research and development activities and developed the company's technological solutions, reported 94.3 million leva and a profit of 15.2 million. Payment services in the country are provided by "Icart", the other key company founded by Hristo Georgiev. At the beginning of the year, its customers in Bulgaria were nearly 15 thousand, and in 2024 they recorded a growth of about 42 percent. The total volume of transactions increased by 63% and reached over 1.1 billion euros. 80% of myPOS's approximately 800 employees are in the country, mainly in Varna, with a hundred in its office in Sofia. Currently, myPOS's main markets are France, Italy, Bulgaria and the UK. With the acquisitions this year, the company will strengthen its presence in the UK and CEE, as well as enter Germany. In addition to its POS terminals for merchants in the UK and France, it also offers business loans, and is currently preparing to launch them in the Netherlands. A little over a year after Advent International became the owner of myPOS, in April 2025 it became clear that the American fund had signed an agreement to buy TBI Bank, with the deal likely to be completed by the end of the year. The price of the small but aggressively growing Bulgarian bank will be above its book value, i.e. at least 300 million euros.
Source: Capital (01.07.2025)

The General Meeting of Bondholders, held on July 4, extended the maturity date of the bond issue with ISIN code BG2100005235, issued by CB "TBI Bank" EAD, by one additional year. The General Meeting of Bondholders has accepted the changes proposed by the issuer in the terms of the bond loan. The new maturity date will be June 9, 2027. At the same time, the redemption option exercised by the issuer is also amended, as this period is extended by one year, so as to coincide with the third anniversary of the issuance of the bond issue by "TBI Bank".
Source: Banker (07.07.2025)

CB TBI Bank EAD (TBIB) The General Meeting of Bondholders of CB TBI Bank EAD dated 04 July 2025 has passed the following resolutions: - Extension of the term of the bond, ISIN BG2100005235, by one (1) year until the new maturity date of 09 June 2027, as the call option will also be extended by a year
Source: BSE (07.07.2025)

At a meeting of the Board of Directors of BSE AD under Minutes No. 53/10.07.2025, the following decision was made: In connection with an application submitted under Art. 22, para. 3 of Part III Rules for Admission to Trading, the Board of Directors of BSE AD, on the basis of Art. 35, para. 8 of the same, changes the parameters of a bond issue admitted to trading in the Bond Segment of BSE AD, as follows: - Issuer: TBI Bank EAD; - Stock exchange code of the issue: TBIB; - ISIN code of the issue: BG2100005235; - Maturity date: 09.06.2027; - End date for trading: 31.05.2027 - Date of reflection of the changes in the parameters: 14.07.2025 (Monday).
Source: BSE (11.07.2025)

CB TBI Bank EAD (TBIA) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBIA - ISIN: BG2100007215 - Date of interest payment: 30.07.2025 - Coupon rate: 5.25 % - All bondholders registered with the Central Depository as of 23.07.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 21.07.2025 (Ex Date: 22.07.2025).
Source: BSE (21.07.2025)

The Financial Supervision Commission (FSC) has approved for registration and trading on the Bulgarian Stock Exchange (BSE) the latest bond issue of TBI Bank AD – the largest issued by the bank so far. The management of the exchange is yet to admit the issue to trading and set a starting date. With a decision of July 30, the regulator approved a prospectus for admission to trading on a regulated bond market. The issue amounts to EUR 34 million, distributed in 340 interest-bearing, registered, dematerialized, non-convertible, senior, non-preferred, unsecured, freely transferable bonds, structured to meet the requirements for instruments of acceptable liabilities. The nominal value of one bond is EUR 100 thousand. The annual interest on the securities is 7.6%, payable every 6 months. The principal is payable in a single payment on the maturity date – September 7, 2028, with the term of the bond loan being 42 months. The issuer has the right to exercise a call option one year before the maturity of the bonds and the right to a tax call option and a call option upon disqualification of the bonds as an instrument of eligible liabilities. TBI Bank announced the placement of the bonds in March this year. The issue was oversubscribed with applications for nearly EUR 40 million – well above the initial target of EUR 10-20 million. At the end of June, the bank announced that coupon payments were made to investors in its MREL bonds maturing in June, September and December 2026 for a total of EUR 1.6 million. The financial institution has raised EUR 84 million over the past four years from the sale of various instruments, providing yields of 5.25% to 9.5%. Currently, four other bond issues of the bank are traded on the Bulgarian Stock Exchange.
Source: investor.bg (01.08.2025)

BSE received an application for admission to trading of an issue of bonds on the Bonds Segment as follows: - Issuer: CB TBI Bank EAD - ISIN of the issue: BG2100003255 - Amount of the issue: EUR 34,000,000 - Par value per bond: EUR 100,000 - BSE code assigned to the issue of bonds: TBIE
Source: BSE (05.08.2025)

The Financial Supervision Commission approved a prospectus of tbi bank (TB "TBI Bank" EAD) for admission to trading on a regulated debt securities market at the end of July. The issue is in the amount of EUR 34,000,000, distributed in 340 interest-bearing, registered, dematerialized, non-convertible, senior, non-preferred, unsecured, freely transferable bonds. The bonds have a nominal value of EUR 100,000 each. The issue has a fixed annual interest rate of 7.60%, payable every six months and principal, payable in a single payment on the maturity date. The term of the bond loan is 42 months, with an issuance date of March 7, 2025 and a maturity date of September 7, 2028. The issuer has the right to exercise a call option one year before the maturity of the bonds and the right to a tax call option and a call option upon disqualification of the bonds as an instrument of eligible liabilities. The bank has already issued two bond issues – in December 2023 (9.5% annual interest) and in June 2024 (9%). TBI's bonds are listed for trading on the Bulgarian Stock Exchange.
Source: Banker (07.08.2025)

BSE Board of Directors adopted the following decision at a session held under Record of Proceedings No. 61 of 07 August 2025: With reference to an application submitted under Art. 22 (1) of Part III - Listing Rules and on the grounds of Art. 35 (8) thereof, the BSE Board of Directors admits to trading on the Bonds Segment of the BSE Main Market the following issue of bonds: - Issuer: CB TBI Bank EAD - Type of bonds: Ordinary, dematerialised, registered, interest-bearing, freely transferable, non-preferential, unsecured and inconvertible senior bonds, structured to meet the requirements for eligible liabilities as defined in Chapter XIII, Section II of the Recovery and Resolution of Credit Institutions and Investment Firms Act - ISIN of the issue: BG2100003255 - BSE code assigned to the issue: TBIE - CFI code of the bond issue: DBFUFR - Amount of the issue: EUR 34,000,000 - Number of bonds: 340 - Nominal value per bond: EUR 100,000 - Issuance currency: EUR - Currency of trading: EUR - One trading lot: One (1) bond - Minimum tick size: 0.001 - Segment MIC: ZBUL - First trading day: 12 August 2025 (Tuesday) - Last trading day: 28 August 2028 - The indicative reference price for the first trading session is 100% of the nominal value. - The price of the orders entered is a percentage of the nominal value of one trading lot /clean price/. - The price of the bid and ask orders shall not include the interest accrued as of the date of the last interest payment until the moment of order entry. INFORMATION ON THE ISSUE: - The issue is the fifth one of the issuer. - Issuance date: 07 March 2025 - Maturity date: 07 September 2028 - Term: 42 months as of the date of issuance - Annual interest rate: 7.60% p.a. - Day-count convention: 30/360 - Debt repayment: Once, on the maturity date - Interest payment period: Every six (6) months on the following fixed dates: 07 September 2025; 07 March 2026; 07 September 2026; 07 March 2027; 07 September 2027; 07 March 2028; 07 September 2028. * The right to interest payment shall be entitled to all bondholders registered as such not later than five (5) business days before the payment date, respectively, five (5) business days before the date of the final interest payment that coincides with the issue's maturity date. - Bondholders representative: Capman Consult EOOD, UIC 201618311 - Call option: The issuer is entitled to repay early the principal and interest accrued according to the call option terms and conditions defined in the Prospectus of the bond issue. INFORMATION ON THE ISSUER: - Name in the Latin alphabet: CB TBI Bank EAD - Registered address: Sofia, 52-54 Dimitar Hadzhikotsev St. - LEI code: 529900KIX7269PVMPY26 - BULSTAT UIC: 131134023 - Correspondence address: Sofia, 52-54 Dimitar Hadzhikotsev St. - Tel.: +359 2 816 39 74 - E-mail: ngrancharov@tbibank.bg - Website: www.tbibank.bg - Authorised representatives: Each two of the executives - Alexander Dimitrov, Valentin Galabov, Nikolay Spasov and Lukas Tursa - Contact person: Nikolay Grancharov - Media of information disclosure to the public: http://www.x3news.com/ - Scope of business activity according to the Classification of Economic Activities (NACE.BG-2008): 64.19 - Other monetary intermediation
Source: BSE (08.08.2025)

The European Commission has cleared the US investment fund Advent International to acquire Bulgaria's TBI Bank on its own after finding that the merger would not threaten competition in the common market, as it would only affect the banking sector in Bulgaria, Greece and Romania. The Commission concluded that the deal concerns companies with limited market positions and would not raise competition concerns. TBI Bank, the ninth largest bank in Bulgaria, is owned by Dutch-registered TBI Financial Services, and the acquisition was announced in April, without disclosing the price of the deal. Advent also owns Bulgarian fintech MyPos.
Source: Dnevnik (13.08.2025)

CB TBI Bank EAD (TBIC) The issuer notifies the holders of bonds having ISIN BG2100042238, issued by TBI Bank EAD (TBIC), of the imminent exercise of the Issuer's Call Option under the bond issue terms, on the exercise date coinciding with the date of the interest payment on the bond, namely 15 September 2025.
Source: BSE (18.08.2025)

The American investment fund Advent International, which last year acquired the fintech company with Bulgarian roots myPOS, has announced a new large-scale deal worth $1.3 billion to buy Swiss microchip manufacturer U-Blox. Advent International will buy its shares at a price of 135 Swiss francs per share. This represents a significant premium of 53% compared to the average share price for the last six months before the first media reports about the possible deal appeared. The deal will be implemented through a subsidiary of Advent - ZI Zenith. It is expected to be completed within the next six months. U-Blox will be delisted. U-Blox, which has been a public company since 2007 and is listed on the Swiss stock exchange SIX, is a specialized manufacturer of microchips and car navigation software. The company managed to reduce its loss before interest and taxes for the first half of the year to 7.7 million francs, compared to a 28 million loss a year earlier. Earlier this year, the company sold its cellular module manufacturing division for wireless communication to focus on navigation and positioning technologies used in cars, robots and agricultural machinery. In early June, U-Blox finalized the sale of its mobile communications business to Irish IoT company Trasna. Advent International acquired myPOS for about half a million euros in a deal that was finalized in June last year. A few days ago, the European Commission approved another acquisition of itss that is related to the Bulgarian market - that of tbi bank. The deal is expected to be finalized by the end of the year. However, the fund also has another earlier connection with our country - its associated Viva Ventures acquired BTC in 2004, only to then sell the state-owned telecom to AIG in 2007.
Source: money.bg (19.08.2025)

On the grounds of Art. 41 (3), item 9 of Part III - Listing Rules of the BSE Rules and Regulations, the listing of an issue of bonds on the Bonds Segment of BSE Main Market will be terminated as of 04 September 2025, namely: - Issuer: CB TBI Bank EAD - BSE code of the bond issue: TBIC - ISIN of the bond issue: BG2100042238 - Reason for termination: Early repayment via exercise of a call option of the issuer on 15 September 2025 - Final date for transacting bonds of this issue on the Exchange for the holder to be entitled to interest payment and to the call option exercise price: 03 September 2025
Source: BSE (20.08.2025)

Trading Suspensions & Removals: Date and time of the publication / communication 2025-08-19T08:30:27.Z Action type Removal Reasons for the action Early repayment (call-option exercise) on 15.09.2025 Effective from 2025-09-04T06:30:00.Z Effective to Ongoing True Trading venue(s) XBUL Issuer name CB TBI Bank EAD Issuer 529900KIX7269PVMPY26 Instrument identifier BG2100042238 Instrument full name CB TBI Bank bond Related derivatives Other related instruments Comments
Source: BSE (20.08.2025)

CB TBI Bank EAD (TBIE) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBIE - ISIN: BG2100003255 - Date of interest payment: 07.09.2025 - Coupon rate: 7.6 % - All bondholders registered with the Central Depository as of 01.09.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 28.08.2025 (Ex Date: 29.08.2025).
Source: BSE (28.08.2025)

TB TBI Bank EAD (TBIC) In connection with the occurrence of an interest payment on an issue of bonds issued by TB TBI Bank EAD, (TBIC), issue with ISIN code – BG2100042238, we inform you of the following: - Interest payment date: 15.09.2025; - Coupon: 9.5%; - The right to interest payment is reserved for bondholders who are registered as such in the book kept by the Central Depository AD as of 05.09.2025; - The last date for concluding transactions with bonds from this issue on the Exchange, as a result of which the acquirer has the right to interest payment is 03.09.2025;
Source: BSE (03.09.2025)

CB TBI Bank EAD (TBID) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBID - ISIN: BG2100021240 - Date of interest payment: 21.09.2025 - Coupon rate: 9 % - All bondholders registered with the Central Depository as of 15.09.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 11.09.2025 (Ex Date: 12.09.2025).
Source: BSE (11.09.2025)

tbi bank announced its plans to be present on the Bulgarian bond market by the end of the year. The bank plans to issue bonds in the second half of October, with similar parameters to the last bonds issued by tbi bank in March this year. In the meantime, the bank decided to exercise its right to early redemption of the bonds issued in December 2023 with maturity in September 2026 (issue in the amount of 10 million euros, with an annual interest rate of 9.5%). Over the past four years, tbi bank has attracted a total of 84 million euros through various instruments.
Source: 24 chasa (15.09.2025)

Five banks report profits of over BGN 100 million The banking system in Bulgaria ended the first nine months of 2025 with a profit of BGN 2.827 billion - BGN 107 million, or 3.9 percent more than in the January-September period of the previous year. Since the beginning of the year, five of the banks have achieved a positive financial result of over BGN 100 million, and 17 of them have reported a profit of over BGN 10 million. UniCredit Bulbank and DSK Bank are once again the most profitable banks in the country, having announced profits of BGN 759 and 740 million, respectively. Compared to a year earlier, the increase in profit at UniCredit is BGN 119 million, and at DSK Bank – BGN 10.6 million. Two other banks also announced profits of over BGN 300 million. These are United Bulgarian Bank and Post Bank, which achieved BGN 379 and 327 million, respectively. First Investment Bank is also in the top 5 of the most profitable institutions in the country. Its profit compared to the first nine months of 2024 increased by 54 million leva, or 69%, reaching 133 million leva. TBI Bank is the next candidate for the "100 million leva" club, which it may achieve at the end of the year. As of the first nine months, its profit reached 78.8 million leva, thus leaving behind Central Cooperative Bank (69 million leva). Also in the top 10 are: ProCredit Bank – 56.36 million BGN, Allianz Bank – 44.8 million BGN and International Asset Bank – 37 million BGN. Outside the top 10 are BACB and the state-owned Bulgarian Development Bank (over 34 million BGN each), as well as Citibank with 33 million BGN. Commercial Bank D and Municipal Bank (over 25 million BGN), as well as Investbank (12 million BGN), and Te Cze Ziraat Bankas (11.6 million BGN) can also boast profits of over 10 million BGN.
Source: Darik Radio (04.11.2025)

tbi bank successfully issued the largest MREL bond issue on the Bulgarian market worth EUR 60 million (3-year maturity, with an option to pay after the second year). The bank fulfilled orders that offered an interest rate equal to or less than 7.0% (order submission range 6.5-7.5%). All investors will receive an annual interest rate of 7.0%, paid once a year. Earlier this year, the bank successfully issued 3.5-year MREL-compliant bonds worth EUR 34 million. In 2025 alone, tbi bank raised nearly EUR 100 million from the local public market. The new bonds will be listed for trading on the Bulgarian Stock Exchange in the coming weeks.
Source: 24 chasa (11.11.2025)

CB TBI Bank EAD (TBID) CB TBI Bank informs the holders of bonds, ISIN BG2100021240, in its capacity as a bond issuer, that the Bank is going to exercise the call option under the bond issue terms on 22 December 2025 as the date of exercise, which is the first business day following the interest payment date, 21 December 2025.
Source: BSE (17.11.2025)

Trading Suspensions & Removals: Date and time of the publication / communication 2025-11-17T12:25:30.Z Action type Removal Reasons for the action Early repayment (call-option exercise) on 22.12.2025 Effective from 2025-12-12T07:30:00.Z Effective to Ongoing True Trading venue(s) XBUL Issuer name CB TBI Bank EAD Issuer 529900KIX7269PVMPY26 Instrument identifier BG2100021240 Instrument full name CB TBI Bank bond Related derivatives Other related instruments Comments
Source: BSE (18.11.2025)

Pursuant to Art. 41, para. 3, item 9 of Part III "Rules for Admission to Trading" of the Rules of Procedure of BSE AD, as of 12.12.2025, the registration of the following bond issue on the Bond Segment of the BSE Main Market is terminated: - Issuer: TB TBI Bank EAD; - Stock exchange code of the issue: TBID; - ISIN code of the issue: BG2100021240; - Ground for termination: full early repayment of the bond loan by exercising a call option of the Issuer on 22.12.2025; - The last date for concluding transactions with bonds from this issue on the Exchange, as a result of which the acquirer has the right to interest payment and the exercise price of the call option, is 11.12.2025.
Source: BSE (18.11.2025)

BSE received an application for admission to trading of an issue of bonds on the Bonds Segment as follows: - Issuer: CB TBI Bank EAD - ISIN of the issue: BG2100031256 - Amount of the issue: EUR 60,000,000 - Par value per bond: EUR 100,000 - BSE code assigned to the issue of bonds: TBIF
Source: BSE (19.11.2025)

Tbi bank will exercise its right to early redemption of a bond issue of EUR 20 million, issued in June 2024, maturing in December 2026 (9.0% annual interest). The bank has received all necessary regulatory approvals. The transaction will take place on December 22 of this year. This is the second bond issue that tbi bank has paid off this year, after the EUR 10 million issue issued in December 2023 (9.5% annual interest). The bank has been very active on the Bulgarian capital market since the beginning of the year, as a result of which it has attracted nearly EUR 100 million in investments in MREL bonds. Earlier this month, tbi bank successfully issued the largest MREL bond issue on the Bulgarian market worth EUR 60 million (3-year maturity, with a call option after the second year), which will soon be offered on the Bulgarian Stock Exchange.
Source: Darik Radio (21.11.2025)

BSE Board of Directors adopted the following decision at a session held under Record of Proceedings No. 90 of 24 November 2025: With reference to an application submitted under Art. 22 (1) of Part III - Listing Rules and on the grounds of Art. 35 (8) thereof, the BSE Board of Directors admits to trading on the Bonds Segment of the BSE Main Market the following issue of bonds: - Issuer: CB TBI Bank EAD - Type of bonds: Ordinary, dematerialised, registered, interest-bearing, freely transferable, non-preferential, unsecured and inconvertible senior bonds, structured to meet the requirements for eligible liabilities as defined in Chapter XIII, Section II of the Recovery and Resolution of Credit Institutions and Investment Firms Act - ISIN of the issue: BG2100031256 - BSE code assigned to the issue: TBIF - CFI code of the bond issue: DBFUFR - Amount of the issue: EUR 60,000,000 - Number of bonds: 600 - Nominal value per bond: EUR 100,000 - Issuance currency: EUR - Currency of trading: EUR - One trading lot: One (1) bond - Minimum tick size: 0.001 - Segment MIC: ZBUL - First trading day: 27 November 2025 (Thursday) - Last trading day: 27 October 2028 - The indicative reference price for the first trading session is 100% of the nominal value. - The price of the orders entered is a percentage of the nominal value of one trading lot /clean price/. - The price of the bid and ask orders shall not include the interest accrued as of the date of the last interest payment until the moment of order entry. INFORMATION ON THE ISSUE: - The issue is the sixth one of the issuer. - Issuance date: 07 November 2025 - Maturity date: 07 November 2028 - Term: 36 months as of the date of issuance - Annual interest rate: 7.00% p.a. - Day-count convention: 30/360 - Debt repayment: Once, on the maturity date - Interest payment period: Every twelve (12) months on the following fixed dates: 07 November 2026 07 November 2027 07 November 2028 * The right to interest payment shall be entitled to all bondholders registered as such not later than five (5) business days before the payment date, respectively, five (5) business days before the date of the final interest payment that coincides with the issue's maturity date. - Bondholders representative: n/a - Call option: The issuer is entitled to repay early the principal and interest accrued according to the call option terms and conditions defined in the Prospectus of the bond issue, namely "call option in case of disqualification of the bonds as acceptable liabilities" and "tax call option". INFORMATION ON THE ISSUER: - Name in the Latin alphabet: CB TBI Bank EAD - Registered address: Sofia, 52-54 Dimitar Hadzhikotsev St. - LEI code: 529900KIX7269PVMPY26 - BULSTAT UIC: 131134023 - Correspondence address: Sofia, 52-54 Dimitar Hadzhikotsev St. - Tel.: +359 2 816 39 74 - E-mail: treasury@tbibank.bg - Website: www.tbibank.bg - Authorised representatives: Each two of the executives - Alexander Dimitrov, Valentin Galabov, Nikolay Spasov and Lukas Tursa - Contact person: Nikolay Grancharov - Media of information disclosure to the public: http://www.x3news.com/ - Scope of business activity according to the Classification of Economic Activities (NACE.BG-2025): 64.19 - Other monetary intermediation
Source: BSE (25.11.2025)

The largest MREL bond issue in Bulgaria (EUR 60 million), issued by tbi bank, started trading today on the Bulgarian Stock Exchange (BSE). The issue consists of 3-year bonds (with a call option after two years), with an annual interest rate of 7.0%. The stock exchange code under which the issue will be traded is TBIF. This is the sixth bond issue of tbi bank to be traded on the BSE. Over the past four years, tbi bank has raised nearly EUR 150 million from the local public market, providing investors with attractive and flexible instruments in terms of maturity and yield.
Source: econ.bg (28.11.2025)

Trading in the largest MREL bond issue in Bulgaria (EUR 60 million), issued by TBI Bank, began today on the Bulgarian Stock Exchange (BSE). Traditionally, the bell-ringing ceremony marking the first day of trading was conducted by the Executive Directors of the Exchange and TBI Bank, Assoc. Prof. Dr Manyu Moravenov and Lukas Tursa. The issue consists of 3-year bonds (with a call option one year earlier), having an annual interest rate of 7%. The exchange ticker under which the issue will be traded is TBIF. “The listing of the largest MREL issue in our country is a strong sign of the maturity and development of the debt segment of our capital market. On an annual basis, we are seeing a noticeable increase in the BSE bond market - both in the number of issues and in the volume of funds raised. Over the past two years, bond issues on the Exchange have doubled. Investor interest in such instruments continues to grow, providing Bulgarian companies and banks with a real alternative for sustainable financing,” commented Assoc. Prof. Dr Manyu Moravenov, Executive Director of the Bulgarian Stock Exchange. “We are proud of the support we provide for the development of the local investor community and for building trust in the Bulgarian capital market, which we entered four years ago with our first public subordinated debt, and ever since, we have come to the market almost every year, achieving increasingly better results. This year alone, we placed nearly EUR 100 million. This is a great achievement for our team and a strong sign of investor confidence. We definitely won’t stop here,” added TBI Bank’s Executive Director, Lukas Tursa. Over the past four and a half years, the bank has established itself as a leader on the Bulgarian public bond market. In 2025, TBI Bank raised an additional EUR 34 million from the local public market, offering investors attractive and flexible instruments in terms of maturity and yield. MREL represents bank bonds that meet the regulatory requirement for Minimum Requirement for Own Funds and Eligible Liabilities.
Source: BSE (28.11.2025)

As of September 30, 2025, 23 banks operate in the banking sector of Bulgaria, 6 of which are branches of foreign credit institutions. The acquisition of 100% of the capital of TBI Bank EAD from 4finance Holding S.A. by the private equity fund Advent International is expected to be completed by the end of 2025. Total assets of the banking system as of September 30, 2025 amounted to BGN 210.1 billion, recording a growth of 4.05% compared to June 30, 2025. The share of the five largest banks based on total assets in the banking system amounted to 76.80% as of September 30, 2025. United Bulgarian Bank AD retains the leading position with assets of BGN 41.8 billion or 19.92% market share, marking a growth of 4.27% in assets compared to June 30, 2025. DSK Bank AD retains second position with 18.76% market share and growth in assets of 4.16% compared to the end of the first half of 2025. UniCredit Bulbank AD is in third position with a market share of 18.43% and growth in assets of 4.21% compared to June 30, 2025. The banks' net assets as of September 30, 2025 amounted to BGN 25.2 billion, marking a growth of 2.49% compared to June 30, 2025. In the leading position in this indicator is DSK Bank AD, as of September 30, 2025 its net assets recorded a growth of 4.63% compared to June 30, 2025. UniCredit Bulbank AD registered a growth of 4.18% in net assets as of September 30, 2025 and remains in second place in this indicator. United Bulgarian Bank AD is in third position in net assets as of September 30, 2025, reporting a decrease of 2.46% compared to June 30, 2025. The net profit of the banking system recorded a growth of 3.92%, reaching BGN 2.83 billion for the first nine months of 2025 compared to BGN 2.72 billion for the same period in 2024. UniCredit Bulbank AD occupies the leading position with a profit of BGN 760 million or a 26.87% share of the sector's profits for the first nine months of 2025, reporting a significant growth in its profit of 18.59% compared to the same period in 2024. DSK Bank AD is in second position in terms of profit share in the sector, namely 26.20%, reporting a growth of 1.46% and registering a profit of BGN 741 million for the first nine months of 2025 compared to BGN 730 million for the first nine months of 2024. United Bulgarian Bank AD registered a 5.27% increase in its profit compared to the same period in 2024, reaching BGN 379 million for the nine months of 2025 and remaining in third position with a 13.42% share in the sector's profits. Net income from fees and commissions (calculated on the basis of Fee and commission income - Fee and commission expenses) for the sector as of September 30, 2025 amounted to BGN 1.30 billion, recording a growth of 9.53% compared to BGN 1.19 billion as of September 30, 2024. DSK Bank AD retains first position with a growth of 11.57%, reporting net income from fees and commissions worth BGN 295 million for the nine months of 2025. UniCredit Bulbank AD occupies the second position with net income from fees and commissions of BGN 257 million, representing 19.69% of total income in the sector and an 11.28% growth compared to the same period last year. United Bulgarian Bank AD remains in third position in terms of net income from fees and commissions for the first nine months of 2025 with income of BGN 227 million, recording an increase of 6.89% compared to the same period last year.
Source: Banker (05.12.2025)

CB TBI Bank EAD (TBID) In view of a forthcoming interest payment on an issue of bonds, please, be informed of the following: - Issuer: CB TBI Bank EAD - BSE code: TBID - ISIN: BG2100021240 - Date of interest payment: 21.12.2025 - Coupon rate: 9 % - All bondholders registered with the Central Depository as of 15.12.2025 (Record Date) will be entitled to receive the payment. - The final date for transacting in bonds of this issue on BSE-Sofia, as a result of which the buyer will have the right to the interest payment, will be 11.12.2025 (Ex Date: 12.12.2025).
Source: BSE (11.12.2025)

tbi bank repaid a bond issue worth 20 million euros, issued in June 2024 (9.0% annual interest) a year earlier. In September this year, the bank decided to exercise its right to early redemption of another bond issue for 10 million euros (issued in December 2023, with 9.5% annual interest). As a result, investors received a total of 30 million euros, and separately in 2025, tbi bank paid 5.3 million euros in interest to bondholders in the bank's issues. This year, the bank issued two new bond issues, attracting nearly 100 million euros in investments.
Source: investor.bg (22.12.2025)