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Banking & Finance


As a participant in the global banking and finance industry, you are faced with increasing financial, regulatory and political pressures. New rules on capital requirements, risk profile and investor protection pose challenges for your organisation. We have unmatched geographical coverage and more internationally qualified banking and finance partners on the ground in CEE than any other law firm. We are your first port of call whether you are planning a cross-border transaction with a multi-jurisdictional security package or loan portfolio or implementing a first-of-a-kind financing structure in your domestic market.

Whether you are a financial institution, equity house, asset manager, mutual fund, accountant, privately owned company, corporation or public entity, your business is only as good as the products and services you sell. That’s why we organise our teams along the business lines of your sector, giving us deep insight into the commercial and legal issues you face. From general corporate lending to acquisition and leveraged finance, derivatives and securitisations to real estate finance and corporate recovery, we can help you achieve the best outcome, both locally and across jurisdictions.

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    Capital Markets

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    Restructuring, Business Transformation & Insolvency

    CMS can help you with restructuring, insolvency and transforming your business. Whether caused by rapid technological developments, consumer preferences, increased success of competitors, tightening of regulation or an overall economic downturn. When businesses experience decreasing revenue and profits it is better to act sooner rather than later. CMS has lawyers based in Bulgaria to help businesses to reduce risk and make the most of business opportunities both within Bulgaria and across the world.

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    CMS Sofia ad­vised on the EUR 110 mil­lion re­fin­an­cing of the largest of­fice...
    An in­ter­na­tion­al team of law­yers from Bul­garia, Ser­bia, The Cay­man Is­lands and Malta led by Di­m­it­ar Zwi­atkow ad­vised the lenders on all leg­al as­pects of the trans­ac­tion.
    01 September 2020
    CMS Ex­pert Guide to re­struc­tur­ing and in­solv­ency law
    Are you look­ing for in­form­a­tion on re­struc­tur­ing and in­solv­ency law? This CMS Ex­pert Guide provides you with everything you need to know.
    20 August 2020
    Euro bank­ing au­thor­ity launches pub­lic con­sulta­tion on In­tern­al Gov­ernance...
    On 31 Ju­ly 2020, the European Bank­ing Au­thor­ity (EBA) launched a pub­lic con­sulta­tion on re­vi­sions of the Guidelines on In­tern­al Gov­ernance as part of the au­thor­ity's aim to fur­ther har­mon­ise the in­tern­al...
    1 July 2020
    Sign­ing with e-sig­na­ture in CEE
    This guide fo­cuses on the most im­port­ant leg­al areas where elec­tron­ic sig­na­tures are usu­ally used: em­ploy­ment law, com­mer­cial con­tracts, real es­tate law, cor­por­ate law and bank­ing and fin­ance con­tracts. This guide ad­di­tion­ally in­cludes help­ful at-a-glance
    17 April 2020
    CMS Ex­pert Guide to coronavir­us re­lated loan morator­i­ums
    This guide con­tains a brief but com­pre­hens­ive over­view of cred­it morator­i­ums for 30 coun­tries world­wide, col­lated with a view to help­ing our cli­ents nav­ig­ate through the vari­ous gov­ern­ment re­sponses, and which will be up­dated on a reg­u­lar basis.
    07 August 2020
    Oil & Gas / Ship­ping – Com­mer­cial Court Ex­am­ines Leg­al Ef­fect of “Sub­ject...
    In the con­text of a crude oil voy­age charter, the Com­mer­cial Court has provided guid­ance on the leg­al ef­fect of “sub­ject to” pro­vi­sions in con­tracts.  In do­ing so, the Com­mer­cial Court noted that,...
    29 May 2020
    Loan Agree­ments in CEE/CIS: Force Ma­jeure and Pay­ment Morator­ia
    CMS are pleased to launch a sum­mary of some of the im­plic­a­tions for loan agree­ments in fin­ance trans­ac­tions across the CEE/CIS re­gion. Find out more.
    26 March 2020
    CMS Ex­pert Guide to sta­bil­isa­tion and re­struc­tur­ing ini­ti­at­ive
    24 July 2020
    Bul­gari­an Na­tion­al Bank ex­tends morator­i­um for loan re­pay­ment ap­plic­a­tions
    On 9 Ju­ly 2020, the Bul­gari­an Na­tion­al Bank (BNB) ap­proved the morator­i­um ex­ten­sion for cus­tom­er loan re­pay­ments and ap­provals from 30 June to 30 Septem­ber 2020 and ex­ten­ded the fi­nal dead­line for bank...
    Published on ceelegalmatters.com on 12th May 2020
    CMS Ad­vises on Fin­an­cing for Two Bul­gari­an Photo­vol­ta­ic Pro­jects
    CMS Sofia has ad­vised KOSEP and SDN on fin­an­cing ob­tained from Uni­Cred­it Bul­bank AD, Ex­press­bank AD and DSK Bank EAD. More in­form­a­tion here.
    01 January 2016
    CMS Ex­pert Guide to real es­tate fin­ance law
    Are you look­ing for in­form­a­tion on real es­tate fin­ance law? This CMS Ex­pert Guide provides you with everything you need to know.
    17 July 2020
    Bul­garia takes steps to im­ple­ment Pro­spect­us Reg­u­la­tion
    On 27 May 2020, the Bul­gari­an Coun­cil of Min­is­ters pub­lished the first draft of a par­lia­ment­ary bill, which im­ple­ments the pro­vi­sions of Reg­u­la­tion (EU) 2017/1129 (Pro­spect­us Reg­u­la­tion) by amend­ing...