Bulgaria: Legal rights
* indicates monthly or quarterly data series
| Bulgaria |
Index of legal rights for creditors and borrowers (0 = weak to 12 = strong) |
|---|---|
| Latest value | 8.00 |
| Year | 2019 |
| Measure | points |
| Data availability | 2013 - 2019 |
| Average | 8.00 |
| Min - Max | 8.00 - 8.00 |
| Source | The World Bank |
The latest value from 2019 is 8 points, unchanged from 8 points in 2018. In comparison, the world average is 5.69 points, based on data from 186 countries. Historically, the average for Bulgaria from 2013 to 2019 is 8 points. The minimum value, 8 points, was reached in 2013 while the maximum of 8 points was recorded in 2013.
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Recent data
The index of legal right for creditors and borrowers in Bulgaria ranges from 0 (no rights) to 12 (strong rights). Stronger legal rights such as efficient bankruptcy procedures, rules for financial disclosure, clear property rights, etc. facilitate lending.
Definition: The strength of legal rights index measures whether certain features that facilitate lending exist within the applicable collateral and bankruptcy laws. The index ranges from 0 to 12 based on the methodology in the Doing Business 15-20 studies.
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| Related indicators | Latest | Reference | Measure |
|---|---|---|---|
| Lending-deposit interest rate spread | 4.32 | 2020 | interest rate points |
| Bank cost to income ratio | 49.37 | 2021 | percent |
| Non-performing loans | 4.53 | 2022 | percent |
| Bank overhead cost | 1.65 | 2021 | percent |
| Net interest margin | 2.56 | 2021 | percent |
| Bank credit to deposits | 66.09 | 2021 | percent |
| Regulatory capital to risk-weighted assets | 22.74 | 2020 | percent |
| Return on assets | 1.21 | 2021 | percent |
| Return on equity | 10.45 | 2021 | percent |
| Banking system z-scores | 7.87 | 2021 | index points |
| Liquid assets to deposits | 37.11 | 2021 | percent |
| Banking system capital to assets | 11.88 | 2020 | percent |
| Non-interest income to total income | 41.04 | 2021 | percent |
| Lending interest rate | 4.43 | 2023 | percent |
| Real interest rate | -2.86 | 2023 | percent |
| Legal rights | 8.00 | 2019 | points |
| Credit information sharing | 5.00 | 2019 | points |