As part of KBC Group UBB has long-standing experience in the use of financial instruments. The Bank handles 33 financial instruments, has over 5000 guaranteed loans аnd nearly 20% of its portfolio has been built on the use of external guarantees for lending. This makes it a leader on the market of financial instruments in Bulgaria.

There is a dedicated unit at the bank - European Projects and Financial Institutions Directorate - with over 10 years of experience, engaged in the overall activity of negotiating and applying the guarantee and financing instruments. This structural unit coordinates the efforts for fulfillment of the specific requirements for inclusion, reporting and monitoring and also serves as a point of contact with external partners.

Since 2015 there is a KBC Group Competence Centre for European Financial Instruments functioning at UBB. It supports and coordinates other countries from the group in the financial instruments’ application and implementation. UBB acts as initiator and leader at series of international annual KBC conferences on financial instruments and their role for catalyzing the progress of small and medium-sized enterprises.