Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



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Corporate Banking


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 101


(+359 2) 91 985 140


Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


0700 10 000 (Vivacom)

17 21 (A1 and Telenor)

(+359 2) 962 41 02


(+359 2) 962 78 59

0700 10 000 calls for Vivacom subscribers are at the price of local call for people calling from all around the country - the difference between long-distance and local call is covered by Raiffesienbank. 17 21 calls for subscribers of mobile operators A1l and Telenor are at the price of internal call/within the same network – A1-A1 or Telenor-Telenor depending on customer individual plan.


Viktor Spasov, Head of Factoring Department


(+ 359 2) 91 985 774

(+ 359) 886 999 569

Financial Institutions/ Sovereigns Department


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 423


(+359 2) 943 45 57


Capital Market Sales Department

Nayden Chernev, Head of Department


(+359 2) 91 985 456

Sales of Capital Markets Products Section

Nikolay Kichukov, Senior Broker


(+359 2) 91 985 490

Currency market and market risk management

Svetslav Georgiev, Senior Dealer


(+ 359 2) 91 985 464

Mariela Smileva, Dealer


(+359 2) 91 985 454

Elka Petkova, Dealer


(+ 359 2) 91 985 429



Tariff for fees and commissions for Legal entities and Sole traders

Tariff for Banks

General Conditions and Forms

General Conditions and Forms for Legal entities and Sole traders.

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    Guarantee Agreement NGF RDP

    A Guarantee Agreement between the National Guarantee Fund and Raiffeisenbank Bulgaria EAD on the basis of which NGF guarantees up to 50% of the principal amount of the loans, granted to SMEs which have an approved projects under one of the following measures of the Rural Development Programme 2007 – 2013 and 2014-2020, as well as SMEs operating in Sector "Livestock farming" and Sector "Plant growing".


    • Lower loan service costs

    • Relaxed requirements

      In respect of the coverage of the provided collateral.

    • Possibilities for financing beneficiaries

      Whose projects are not supported by commercial banks due to high credit risk or lack of sufficient collateral.


    Credit parameters
    Amount Max. BGN 3 000 000 (for the borrower and the related parties)
    Products guaranteed by NGF-RDP Programme
    • Investment loans + working capital loans
    • Letters of guarantee/limits for bank guarantees
    Guarantee coverage 50%


    Application procedure

    The loans included in the guaranteed portfolio must meet the following requirements:

    • Purpose: investments related to the implementation of projects approved for support under the Rural Development Programme of the Republic of Bulgaria (2014 - 2020); expenditure related to projects under the Rural Development Programme of the Republic of Bulgaria (2007 - 2013) as well as for financing the investments or working capital needs of enterprises in the Sector "Livestock Farming" and Sector "Plant Growing".
    • At the time of submission of the application for inclusion of the loan in the guaranteed portfolio, the borrower must be a micro, a small or a medium-sized enterprise within the meaning of the Small and Medium-Sized Enterprises Act that is engaged in a lawful activity and whose ultimate controlling owner is not an entity registered in an Offshore Area.
    • The borrower, as well as the parties economically-linked to it, have no debt to a credit or financial institution consisting of loans overdue by more than 90 days classified as "non-performing exposure" or "loss".
    • The borrower is not in difficulty within the meaning of Regulation (EU) No 651/2014.
    • The credit shall be fully included in the guaranteed portfolio, partial inclusion is not allowed.

    Additional advantages

    • Long-term partner of NGF under guarantee programmes.

    • Cooperation and support

      Highly-qualified experts with experience in the field of corporate lending and financial services.


    Corporate Banking Department

    Address: Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000
    Phone: (+359 2) 91 985 101
    Fax: (+359 2) 91 985 140

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