Bulgaria: Non-performing loans

* indicates monthly or quarterly data series

Non-performing loans as percent of all bank loans

 Latest value 4.63
 Year 2022
 Measure percent
 Data availability 2008 - 2022
 Average 10.33
 Min - Max 2.40 - 16.88
 Source The World Bank
For that indicator, we provide data for Bulgaria from 2008 to 2022. The average value for Bulgaria during that period was 10.33 percent with a minimum of 2.4 percent in 2008 and a maximum of 16.88 percent in 2013. The latest value from 2022 is 4.63 percent. For comparison, the world average in 2022 based on 76 countries is 5.50 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series

Recent values chart
Bulgaria - Non-performing loans - Recent values chart

Historical chart
Bulgaria - Non-performing loans - historical chart - 2008-2022

The percent non-performing loans in Bulgaria reflects the health of the banking system. A higher percent of such loans shows that banks have difficulty collecting interest and principal on their credits. That may lead to less profits for the banks in Bulgaria and, possibly, bank closures.
Definition: Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.

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 Related indicators Latest value 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 4.63 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 3.75 2022 percent
 Real interest rate -2.86 2023 percent
 Legal rights 8.00 2019 points
 Credit information sharing 5.00 2019 points
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