Financial Indicators of the Bulgarian National Bank for June 2025

The base interest rate (BPS) for June 2025 is fixed at 2.07%, which represents a slight decrease of 0.17 percentage points compared to the previous month, according to the official website of the Bulgarian National Bank (BNB). In parallel, the reference interbank index LEONIA Plus marked a decline of 0.16 percentage points, reaching a level of 1.91%.

Significant changes were registered in the business lending sector. For loans up to 1 million euros, contracted in levs, the average interest rate decreased by 0.13 percentage points to 3.98%, while for larger loans over 1 million euros, the decline was more noticeable - 0.55 percentage points, reaching 4.02%.

For euro-denominated loans, the trends were different. For loans up to 1 million euros, an increase of 0.15 percentage points to 4.28% was reported, while for larger loans, a slight decrease of 0.06 percentage points to 4.69% was observed. Overdrafts in levs slightly decreased to 3.37%, while those in euros dropped by 0.10 percentage points to 3.74%.

The volume of new loans showed interesting dynamics. In the segment up to 1 million euros, contracted in levs, a significant growth of 35.3% (114.5 million levs) was registered, reaching 438.4 million levs. Loans over 1 million euros increased by 13.3% (79.8 million levs), amounting to 678.3 million levs.

Substantial changes were noted in consumer loans. The average interest rate for consumer loans in levs decreased by 0.25 percentage points to 8.76%, and the Annual Percentage Rate (APR) declined to 9.14%. Housing loans in levs remained relatively stable, with a minimal decrease in the average interest rate to 2.43%.

Interesting trends were also observed in non-financial corporations' deposits. The average interest rate for term deposits in levs increased by 0.86 percentage points to 2.37%, while euro deposits showed a slight decrease of 0.01 percentage points to 1.65%.

Household deposits also underwent changes. The average interest rate for term deposits in levs decreased by 0.04 percentage points to 0.87%, while for euro deposits, the decline was more noticeable - 0.10 percentage points to 1.02%. Overnight deposits remained virtually unchanged.

The volume of new term deposits showed positive dynamics. In levs, an increase of 22.5% (63.3 million levs) was reported, reaching 344 million levs. For euro deposits, the growth was more moderate - 10.7% (28 million levs), amounting to 290.2 million levs.

These data provide a detailed picture of the money market in Bulgaria for June 2025, showing slight but significant changes in various financial segments.