Texim Bank AD
BBSEBG:TXIM1.82
EUR
0.00
(0.00%)
Texim Bank AD
BSEBG:TXIM
(Bulgarian Stock Exchange)
Recent
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1.82
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div
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- -
ROIC.AI
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- Business
- Texim Bank AD is a Bulgaria-based commercial banking institution that provides a comprehensive range of retail, corporate, and investment banking services to individual consumers, small and medium-sized enterprises (SMEs), and institutional clients. Established in 1992 as the first private bank registered in Bulgaria, the bank is headquartered in Sofia and operates across a nationwide network of financial centers and regional offices. The bank organizes its operations into core business segments, offering retail banking, corporate banking, treasury and financial markets services, and payment processing. Its primary products and services include deposit and savings accounts, such as standard demand deposits, term deposit schemes, savings accounts, and specialized business checking accounts; financing and lending facilities, encompassing consumer loans, residential mortgage and housing loans, revolving credit lines, overdraft facilities, working capital credits, investment project financing, and European subsidy bridging loans; trade finance solutions, including bank guarantees, letters of credit, and documentary collections; payment and card management services, comprising Mastercard and Visa branded debit and credit cards, contactless payment cards, merchant acquiring and point-of-sale (POS) terminal processing, domestic clearing transactions via BISERA and RINGS, and international wire transfers via SWIFT and the Single Euro Payments Area (SEPA) network; treasury and asset servicing, featuring foreign exchange trading, spot and forward currency transactions, secondary market trading in government and corporate debt securities, custodian and depository bank services, and mutual fund distribution in collaboration with asset management partners; and digital banking solutions, offering the Texim Mobile application, multi-channel online banking platforms, remote client onboarding, and secure e-commerce authentication tools. In recent developments, Texim Bank AD has accelerated its strategic modernization and digital transformation initiatives, deploying upgraded versions of its mobile banking ecosystem with biometric authentication and expanded self-service functionalities for remote loan origination and contactless payment integrations. The bank has integrated instant payment capabilities under the national Blink architecture and European SEPA Instant credit transfer standards to facilitate real-time settlement for retail and business clients. To support balance sheet growth and meet regulatory Minimum Requirement for Own Funds and Eligible Liabilities (MREL) targets, the bank has executed capital enhancement programs and debt instrument issuances listed on the Bulgarian Stock Exchange. Additionally, Texim Bank AD has expanded its SME credit portfolios with targeted energy-efficiency and sustainable finance lending programs, while simultaneously optimizing its physical branch infrastructure into specialized advisory hubs across major economic regions in Bulgaria.