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Leasing in Bulgaria is growing, while overdue payments are decreasing

Non-performing receivables in leasing decreased at the end of last year both in value and as a share of the portfolio, according to data from the Bulgarian National Bank (BNB). At the same time the sector is growing – by more than 11% on an annual basis. This is the largest increase since June 2024. Overdue payments related to financial leasing have fallen to 1.63% of the entire portfolio – in terms of value, this represents a 5% decrease just for the last three months of 2025.

For the first time at the end of December, financial leasing exceeded BGN 7 billion (EUR 3.57 billion), according to statistics from the Central Bank. This is the main part of leasing contracts in Bulgaria. Operating leasing, mainly used for machinery and equipment, barely exceeds BGN 400 million (EUR 204.5 million). Together with it, total leasing contracts amount to nearly BGN 7.5 billion (EUR 3.83 billion). Most of the financial leasing contracts have a maturity of 1 to 5 years, but the fastest-growing segment is leasing over 5 years. Short-term repayment up to 1 year has a very small part of the market and decreases on an annual basis at the end of last year.

 

View EN_BNB_Leasing_Q4 2025 on Beautiful.ai

The data shows a significant increase in household leasing. Since the end of 2023 its annual growth has exceeded 20-25%, culminating in December 2025 when it reached 27% (see the chart). Leasing for businesses, i.e., non-financial companies in the real economy, shows much more modest growth. From the second half of 2022 to the first half of 2024, the growth was double-digit, but then slowed down again. Thus, if at the beginning of 2022 leasing for businesses accounted for over 80% of all contracts, at the end of last year it fell to 74%. During this time, household receivables increased from 18% of the sector to almost 35%.

This is also one of the reasons for the reshuffling of assets acquired on installment – the share of machinery and facilities gradually decreased to only 21%, while that of passenger cars already stands at 55%. It should be noted that many of the cars are acquired as company cars by businesses. A few weeks ago, the European Automobile Manufacturers’ Association announced that Bulgaria is among the three EU countries with the highest growth in new car sales.

Read more news here: theagency.bg