„Business World” Library

ISSN: 1310-2737-Book Edition
ISSN: 2534-9201-Electronic Edition

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  • Aglika Kaneva
    ANALYSIS OF THE CHANGES IN GROSS LOANS AND ADVANCES AND DEPOSITS IN BANKS IN BULGARIA
    JEL: G210, C220
    Keywords: banks, trend models, forecast, loans and advances, deposits
    Summary: The article presents a trend model for the loans and advances and the deposits of banks in Bulgaria for the period 2007 – 2019. Assuming that the established trends will persist, the model was used to forecast the future values of the loans and advances and the deposits of these banks in 2020 and 2021.
  • Irina P. Kazandzhieva Yordanova, Elena Ralinska
    A STUDY OF THE DYNAMICS OF CUSTOMER DEPOSITS AND INVESTMENTS IN FINANCIAL INSTRUMENTS IN BULGARIA FOR THE PERIOD 2013–2023
    JEL: G21, G23.
    Keywords: deposits, financial instruments, Investor Compensation Fund, Deposit Insurance Fund.-
    Summary: The globalization of financial markets and the dynamic development of information and communication technologies over the past two decades have become key drivers of significant changes in the financial system. New and increasingly complex financial products and services are emerging, competition among financial institutions is intensifying, and traditional financial services are becoming digitalised. Many financial products offered today did not even exist a few years ago, and almost all transactions, both at the individual and institutional level, are now conducted electronically at the click of a button. In this environment where there are abundant investment opportunities and simplified access to financial markets, deposits remain the preferred instrument for holding savings. This trend is evident not only in Bulgaria, but also in many other countries. This study focuses on examining deposits and investments in financial instruments in Bulgaria over the period 2013 – 2023.
  • Georgi Angelov
    A LIQUIDITY ASSESSMENT OF THE BULGARIAN BANKING SYSTEM (2009–2013)
    JEL: G21
    Keywords: : bank, banking system, bank liquidity, liquidity ratios, assets and liabilities, credits and deposits
    Summary: Liquidity is of great significance for the stability of credit institutions and the banking system as a whole. In normal circumstances, the capital adequacy of banks is determined as a key factor for stability. But, during economic crisis, the susceptibility of credit institutions to a shortage of available cash resources in order to cover depositors’ withdrawals is intensified. This directs our attention toward effective liquidity management. Financial cataclysms on a global scale caused by the crisis in the USA during 2007, and the speedy “infection” of the economies of the developed countries showed that gaps in the management of financial institutions can lead to considerable losses on a world-wide scale. The aim of this study is to assess the liquidity situation of the Bulgarian banking system based on generally accessible (public) information by applying ratio analysis tools. Through the use of key indicators of liquidity assessment, the trends in its development for 2007-2013 are presented. A general assessment of the liquidity situation for banks in Bulgaria is outlined.
  • Zhelao Vytev
    Structural Deviations in Bank Deposits in Bulgaria in Times of Economic Crisis
    JEL: E21, G21
    Keywords: banks, bank system, deposits, financial crisis
    Summary: The article reviews bank deposits in Bulgaria. It specifically analyses how changes in the internal structural components of deposit basis and ratios reflect the general dynamics of bank deposits within the unfavourable economic conditions generated by the economic crisis. Attention is drawn to the structural deviations in bank financing from various aspects, which include sources, maturity, volume and currency structure of deposits on the one hand, and structural deviations of deposits, as determined by bank capital, on the other.

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  • 2, Emanuil Chakarov street, Svishtov 5250
    Prof. Aneta Deneva, PhD – editor-in-chief
    "Business World" Library
  • Emiliya Staneva – Technical Secretary
    Anka Taneva – Copy-Editor
    Sen.lecturer Elka Uzunova – English Language Translator
    E-mail: ssvjat@uni-svishtov.bg

Editorial board

  • Prof. Aneta Deneva, PhD – Editor-in-Chief
  • Prof. Penka Shishmanova, PhD – Co-editor-in-Chief