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Wholesale Banking

ING Wholesale Banking in Bulgaria

We are one of the core banks providing services to multinational corporations, the country’s industrial majors, the government sector, financial institutions, investment companies, subsidiaries and/or joint ventures of foreign companies. We combine local market expertise with the capabilities of a global financial institution and provide our clients with a broad range of products and services from general lending and strategic products solutions, to transactional services, trade finance and financial market products. We have strong sector knowledge, a significant track record and in-depth expertise in structuring and executing large landmark transactions.

“ING has a mission to help people, both clients and employees, stay a step ahead in life and business. We support businesses in remaining successful by offering our high quality products and services as well as our international network and global expertise. We make client satisfaction our core purpose. We care about the wellbeing of our employees. As a responsible business we also strive to help others in their sustainable transitions and we engage in making a positive social impact.” 

Grzegorz Konieczny, Country Head, ING Bulgaria

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Our presence in Bulgaria

  • “A” rated bank in BBB rated banking market
  • Strong and experienced team with in-depth product and market expertise
  • Dedicated FI Coverage for the SEE region (incl. Croatia, Serbia, Macedonia, Albania, Montenegro, Bosnia)

ING has been an integral part of the banking industry in the CEE since the late 1980s and was among the first international banks to establish operations in Bulgaria in 1994. Since then we have steadily built up a strong base of corporate and institutional clients by maintaining a consistent commitment to the country, our business model and our clients.

Products and services

We offer a full range of corporate banking services including financing, financial markets and treasury products, electronic banking and payments, and cash management. As part of our client focus, we can tailor solutions to fit the business needs of our clients. A single point of contact gives access to a vast network of sector experts and product specialists.

ING has strong market expertise in key sectors:

We offer lending solutions for working capital, capex and acquisition financing as well as facilities in support of cash management. We provide a wide range of high quality products and services in our transactional service business adapted to our specific clients’ requirements.

ING in Bulgaria is one of the largest players on the local foreign exchange and money market for corporate clients and financial institutions. ING has developed one of the most secured, flexible and easy-to-use online payment system for our clients. We are recognised as one of the best in class online payment systems locally.

We strive to deliver a differentiated customer experience to our clients by offering comprehensive solutions which allow for smooth execution of all banking operations, and reduce operational costs and risks. We believe banking should not be difficult or time consuming and since less is more, we believe in clear products, plain language, fair prices and simple processes. We make banking possible anytime, anywhere.

Life and business is about moving forward. We will keep looking for new ways to make things better. New ideas. New solutions. New ways to make things easier for our clients, so we can both stay a step ahead!

Values and culture

We implement ING’s strong values and culture locally. They are the foundation of our behaviour and define who we are.

  • We are honest
  • We are prudent
  • We are responsible

We respect each other and our clients. Our values are non-negotiable. They are described in the Orange Code, which is applied by the whole ING family and each one of its members.

Sustainability direction

We believe that sustainable business is better business.

We are ambitious in our desire to become the most preferred banking partner in supporting our clients’ sustainability projects and endeavours. ING’s focus in Bulgaria is to facilitate and finance society’s shift to sustainability and contribute to progress - environmental, social and economic.

We are proud to be the first bank in Bulgaria to extend a green loan to a corporate client, a leader in their industry.

Social responsibility

We believe that investment in the local society is not only our responsibility, but also essential to long-term business success.

In 2015 we launched our biggest and most important programme in this direction – our Social Innovation Fund (SIF). Since then, we have supported social entrepreneurship financially, as well as with mentorship, which is voluntarily provided by our employees. More than 20% of ING Sofia’s team is actively involved in the project’s activity, either by mentoring or by being a management board member.



Best Foreign Bank Branch 2011, 2012 and 2014

Bulgarian Business Leaders Forum

Investor in the Community 2003

Environmental Finance

ING wins Green bond of the Year award

Association Bank of the Year

Best Foreign Bank Branch for 2020


ING – standing by the Bulgarian community in 2020

In 2020 the whole world faced unprecedented challenges brought by the Coronavirus, turning all our lives upside down. ING’s empowering purpose was implemented in its approach with helping others cope with the pandemic, when we provided support to the most vulnerable in various ways.

The Social Teahouse and Vratsa Software receive support from Open the Circle in 2021

The two organizations are the finalists who have been selected to receive support from the Scaling Readiness Program, financed by ING Community Investment Fund and developed by Reach for Change Bulgaria. The program is part of Open the Circle.

ING in Bulgaria - member of the EU Green Deal Working Group of AmCham

Marina Kobakova, Head of Corporate Sector Coverage at ING Bulgaria, has joined the newly established “EU Green Deal Working Group” under the Energy and Mineral Resources Committee of the American Chamber of Commerce (AmCham) in Bulgaria.

ING Sofia at the EU Green Deal Transformation Conference – Opportunities and Challenges

Marina Kobakova, Head of Sector Coverage, was a speaker at the “Business Leaders Discussion on EU Green Deal” Panel alongside executives of largest investors in the country in Energy and Metals and Mining sectors, as a part of the conference EU Green Deal Transformation – Opportunities and Challenges, organized by the Green Deal Working Group of AmCham in Bulgaria.

ING Sofia named the Best Foreign Bank Branch for 2020

ING Sofia was announced the Best Foreign Bank Branch for 2020 by the Bank of the Year Association. The awards distinguish the best performers in the banking industry, basing on the financial results from the consolidated annual reports declared by the banks to the Bulgarian National Bank.

ING - partner of the European Cyber Security month

ING supports the cybersecurity awareness initiative called European Cyber Security Month, organized by Europol, the European Banking Federation, as well as private and public sector partners.

Open the circle

ING in Bulgaria, together with Reach for Change Bulgaria, is developing a long term social project called Open the circle. It aims to empower innovators to develop their solutions for social inclusion.

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ING Bulgaria’s 25th anniversary corporate movie

General business conditions