Bulgaria’s central bank: Household deposits up 19.8% in December 2025 y/y

Deposits of Households and NPISHs (Non-profit institutions serving households) added up to 107.076 billion leva – 47.7 per cent of GDP – at the end of December 2025, an increase of 19.8 per cent compared with December 2024, central Bulgarian National Bank (BNB) said in a regular report on January 27.

December 2025 was the eve of Bulgaria adopting the euro as its currency.

Household deposits in November had been 15.8 per cent higher than in November 2024, BNB said.

At the end of December 2025, loans to households and NPISHs added up to 56.139 billion leva.

This was an increase of 21.1 per cent compared with December 2024, the central bank said, and followed 20.9 per cent annual growth in November 2025.

At the end of December 2025 loans for house purchases totalled 32.928 billion leva, an increase of 29.2 per cent compared with December 2024.

This followed a 27.7 per cent annual growth in loans for house purchases in November 2025.

Consumer loans amounted to 21.348 billion leva. Compared to December 2024, this was an increase of 13.3 per cent, and followed 13.6 per cent annual growth in November 2025.

(Photo of BNB’s headquarters in Sofia: Clive Leviev-Sawyer)