DSK Bank (OTP Group)

DSK Bank EAD is one of Bulgaria's largest and oldest banks, headquartered at 19 Moskovska Street in Sofia's Oborishte district. Originally founded in 1951 as the State Savings Bank (Darzhavna spestovna kasa — ДСК) and privatised in 2003, DSK Bank became part of Hungary's OTP Group in 2003 and remains a flagship subsidiary of the OTP banking group, which is the largest independent banking group in Central and Eastern Europe. With approximately 4,500 employees across over 300 branches nationwide, DSK Bank serves millions of retail clients and a large base of corporate and SME customers. Following the 2019 acquisition of Société Générale Expressbank, DSK Bank significantly expanded its market position to become one of Bulgaria's top-two banks. The legal and compliance division handles BNB (Bulgarian National Bank) supervisory compliance, consumer protection under the Zakon za zashtita na potrebitelite (Consumer Protection Act), mortgage lending under the Zakon za kreditnite institutsi (Credit Institutions Act), AML/KYC frameworks, GDPR data protection, and complex corporate lending and project finance documentation across all sectors of the Bulgarian economy.