site.btaLeasing Companies’ Claims Amount to BGN 7.478 Bln at End-December 2025

The total amount of leasing companies’ claims under financial and operational leases was BGN 7.478 billion (3.3% of GDP) at the end of December 2025 compared to BGN 6.725 billion (3.3% of GDP) at the end of December 2024. Тhese claims increased annually by 11.2% (BGN 753.4 million) and by 2.8% (BGN 203.4 million) in comparison with the end of September 2025, the Bulgarian National Bank reported on Monday.

Financial lease claims amounted to BGN 7.077 billion at the end of the fourth quarter of 2025. They increased by 11.4% (BGN 721.4 million) annually and by 2.9% (BGN 196.4 million) in comparison with the end of the third quarter of 2025. Their relative share at the end of December 2025 was 94.6% compared to 94.5% at the end of the same month of 2024. The new financial lease agreements concluded during the fourth quarter of 2025 amounted to BGN 973.6 million. Their volume increased by 10.8% (BGN 94.8 million) annually and by 5.6% (BGN 51.8 million) compared to the third quarter of 2025.

Financial lease claims by type of asset. At the end of December 2025 claims under agreements for financial leases of Cars amounted to BGN 3.894 billion. Compared to the end of December 2024 these claims increased by 19.4% (BGN 633.8 million) and by 4.1% (BGN 152.3 million) in comparison with the end of the third quarter of 2025. Their relative share in the total amount of financial lease claims was 55% at the end of December 2025 compared to 51.3% at the end of the same month of 2024. At the end of the fourth quarter 2025 the claims under agreements for financial leases of Commercial and light commercial motor vehicles amounted to BGN 1.498 billion. They increased annually by 5.4% (BGN 77 million) and by 3.5% (BGN 50.4 million) in comparison with the end of September 2025. Their relative share in the total amount of claims of financial lease was 21.2% at the end of December 2025 compared to 22.4% at the end of the same month of 2024. At the end of the fourth quarter 2025 claims under agreements for financial leases of Machinery and industrial equipment were BGN 1.485 billion, increasing annually by 2.1% (BGN 29.9 million), while decrease by 1.1% (BGN 16.3 million) in comparison with the end of September 2025. Their relative share decreased from 22.9% at the end of December 2024 to 21% at the end of the same month of 2025.

Financial lease claims on residents by institutional sector. At the end of December 2025 financial lease claims on sector Non-financial corporations amounted to BGN 5.241 billion. They increased by 6.8% (BGN 334.1 million) compared to the end of the fourth quarter of 2024 and by 1.8% (92.9 million) in comparison with the end of September 2025. The relative share of claims on Non-financial corporations in the total amount of the financial lease claims on residents was 74.1% at the end of December 2025 compared to 77.2% at the end of December 2024. At the end of the fourth quarter 2025 claims on Households and NPISHs sector amounted to BGN 1.810 million. The amount of these claims increased annually by 27.2% (BGN 387.3 million) and by 6.1% (BGN 104.2 million) in comparison with the end of September 2025. The relative share of claims on Households and NPISHs in the total amount of the financial lease claims on residents increased from 22.4% at the end of December 2024 to 25.6% at the end of December 2025.

Operational lease claims amounted to BGN 401.8 million at the end of December 2025 increasing annually by 8.6% (BGN 31.9 million) and by 1.8% (BGN 7 million) compared to the end of the third quarter of 2025.

Sources of financing. At the end of December 2025 leasing companies’ liabilities amounted to BGN 9.059 billion compared to BGN 8.275 billion at the end of December 2024. They increased by 9.5% (BGN 784 million) on an annual basis and by 2.8% (BGN 247.8 million) compared to the end of September 2025. In the structure of liabilities, received loans prevailed. Their relative share at the end of December 2025 was 82.6% compared to 82.3% at the end of the same month of 2024.