DSK Bank is a subsidiary of the Hungarian Bank OTP, and a part of the parent company OTP Group; the largest financial service provider in Hungary and r a regional leader in Central and Eastern Europe. OTP Group provides high quality financial services to more than 18 million clients in 11 countries, utilising its network of nearly 1500 branch offices, large-scale ATM network and highly innovative digital channels. OTP Bank has been present as an institution in Bulgaria since 2003; its financial developments and results have proved its stability, progress, and growth .

A longstanding leader of retail banking, DSK Bank has established its firm position in both private and corporate banking. The bank has the largest number of clients in the country, a leader in trust amongst financial services users, and is the preferred employer of students in the country.

As a modern company with a long-term strategy for growth and progress in the large-scale digital transformation of its business, the bank invests in the development of innovative offices, modern products, and personalised services for its clients.

The bank’s strategic goal is to provide a unique client experience, as well as to demonstrate its dedication to society through its significant contribution to the stability and prosperity of the Bulgarian bank system.

Expansion in Bulgaria
At the beginning of 2019, DSK Bank finalized the acquisition of Societe General Expressbank and its subsidiaries in Bulgaria. After the merge of the two banks on May 4th, 2020, the new and unified bank group took a top position in value of assets and became a leader in terms of the amount of deposits and size of its loan portfolio, obtaining the largest bank branch and ATM network, as well as premier innovative banking services.

Digitalisation of Bank Operations
DSK Bank transformed and digitalised its business operations, maintaining and perfecting its technological infrastructure, in order to comply with the most modern and innovative standards and mechanisms for bank safety and security. The organisation offers convenient bank services both through modern digital channels, as well as offline physical locations, offering personalised solutions for clients which address specific user needs and preferences. 

Innovative Channels and Advanced Technological Solutions
DSK Bank has exceptionally advanced technological bank offices, which offer fully digitalised services. The bank introduced in its high-tech offices Artificial Intelligence in the form of a humanoid robot called Pepper, serving as a meeter-greeter. The online and mobile banking platforms DSK Direct and DSK Smart, as well as the application for official online document signatures DSK mToken, continue to be the preferred channels for online banking amongst clients. These platforms allow users to have quick, convenient, and easy access to their balances and funds, account transactions, card limits; they also have the option to create a virtual card, apply for personal credit or pay common bills and much more.