D Commerce Bank AD is a dynamic and innovative universal bank that strives to offer individualized financial solutions, combined with full banking services and in line with the best European practices. We are committed to understanding the needs of our customers in order to provide them with easy, convenient and tailor-made banking products. When doing business:

  • We strive for honest relations in our work with all clients, employees and institutions
  • We create and maintain high standards of service
  • We follow the best management and business practices
  • We have transparent communications in our relationships
  • We are looking for a long-term relationship based on stability and fairness
  • We strive to be proactive and flexible in providing quality services
  • We work in partnership with all social groups, with a focus on the client
  • We uphold our position as a reliable partner who has won the trust of its employees and customers


The organizational structure of D Commerce Bank AD has clearly defined rights and management functions and responsibilities at all levels. It consists of the Supervisory Board, the Management Board, the Internal Audit Service, the Banking Security Department, business units and support units.



D Commerc Bank AD has a two-tier management system, consisting of Supervisory Board and Management Board.

Supervisory Board:

   Mr. Fuat Guven - Chairman

   Mr. Valeri Borisov

   Mr. Bahattin Gurbuz

Management Board:

    Ms. Anna Asparuhova - Chairperson and CEO

    Mr. Martin Ganchev - Executive Director

   Mr. Plamen Dermendzhiev

   Ms. Valentina Borisova

   Mr. Zahari Alipiev