Bank nonperforming loans to total gross loans (%) by country
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid...
Countries reporting
149
Highest
31.5%
Chad
Lowest
0.2%
Monaco
Median
3.1%
Years covered
26
2000–2025
Data points
2,344
What the numbers show
Bank nonperforming loans to total gross loans (%) is currently reported for 149 countries. The highest value is 31.5% in Chad; the lowest is 0.2% in Monaco.
The median across all reporting countries is 3.1%, and the mean is 5.2%.
The gap between the highest and lowest reporting country is a factor of about 131.
Over the past decade 58 countries rose and 88 fell. The largest increase was in Macao (up 3,600.2%), and the largest decrease in Cyprus (down 95.5%).
Bank nonperforming loans to total gross loans: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Chad | 31.5% | 2023 | up 222.3% | rising |
| 2 | Equatorial Guinea | 31.1% | 2023 | up 54.7% | volatile |
| 3 | Algeria | 20.7% | 2024 | up 108.2% | rising |
| 4 | Bangladesh | 19.0% | 2024 | up 102.5% | rising |
| 5 | Ghana | 18.9% | 2025 | up 28.9% | rising |
| 6 | Iraq | 16.5% | 2024 | up 83.4% | rising |
| 7 | Central African Republic | 16.2% | 2023 | down 43.1% | falling |
| 8 | Saint Kitts and Nevis | 15.8% | 2025 | up 2.4% | flat |
| 9 | Congo | 15.2% | 2023 | up 1,142.7% | volatile |
| 10 | Lebanon | 15.2% | 2019 | up 304.4% | volatile |
| 11 | Vanuatu | 15.0% | 2017 | up 215.3% | rising |
| 12 | San Marino | 14.8% | 2025 | down 69.9% | rising |
| 13 | Angola | 14.1% | 2024 | up 38.7% | volatile |
| 14 | Comoros | 14.1% | 2022 | down 18.9% | rising |
| 15 | Ukraine | 13.9% | 2025 | down 60.7% | flat |
| 16 | Tajikistan | 13.7% | 2021 | up 169.9% | volatile |
| 17 | Kenya | 13.6% | 2024 | up 148.8% | rising |
| 18 | Tonga | 13.5% | 2025 | up 74.7% | volatile |
| 19 | Cameroon | 12.9% | 2023 | up 25.2% | rising |
| 20 | Solomon Islands | 11.6% | 2024 | up 146.7% | rising |
| 21 | Sint Maarten (Dutch part) | 11.2% | 2022 | — | falling |
| 22 | Kyrgyzstan | 10.1% | 2025 | up 49.2% | rising |
| 23 | Sri Lanka | 9.9% | 2025 | up 204.6% | volatile |
| 24 | Dominica | 8.9% | 2025 | down 41.0% | falling |
| 25 | Afghanistan | 8.9% | 2018 | down 82.2% | volatile |
| 26 | Saint Lucia | 8.5% | 2025 | down 53.2% | falling |
| 27 | Fiji | 8.5% | 2021 | up 119.8% | rising |
| 28 | Morocco | 8.2% | 2024 | up 12.7% | rising |
| 29 | Nigeria | 8.1% | 2025 | up 67.1% | volatile |
| 30 | Madagascar | 7.6% | 2024 | down 25.9% | flat |
| 31 | Gabon | 7.6% | 2023 | up 176.2% | volatile |
| 32 | Mozambique | 7.5% | 2025 | up 73.5% | rising |
| 33 | Jordan | 6.9% | 2024 | up 15.6% | rising |
| 34 | Eswatini | 6.7% | 2025 | up 1.6% | rising |
| 35 | Guinea | 6.7% | 2024 | up 11.2% | rising |
| 36 | Cambodia | 6.6% | 2024 | up 304.8% | volatile |
| 37 | Barbados | 5.8% | 2022 | down 16.1% | flat |
| 38 | Maldives | 5.7% | 2025 | down 55.8% | falling |
| 39 | Papua New Guinea | 5.4% | 2023 | up 201.3% | rising |
| 40 | Ethiopia | 5.4% | 2021 | — | rising |
| 41 | Pakistan | 5.4% | 2025 | down 52.8% | falling |
| 42 | Argentina | 5.3% | 2025 | up 236.2% | rising |
| 43 | Nepal | 5.2% | 2025 | up 206.0% | volatile |
| 44 | Malawi | 5.1% | 2023 | down 29.9% | falling |
| 45 | Democratic Republic of Congo | 4.9% | 2025 | down 24.2% | falling |
| 46 | Vietnam | 4.8% | 2024 | up 38.6% | rising |
| 47 | Seychelles | 4.7% | 2025 | down 38.0% | falling |
| 48 | Gambia | 4.6% | 2022 | down 62.1% | falling |
| 49 | South Africa | 4.5% | 2024 | up 39.8% | falling |
| 50 | Russia | 4.5% | 2023 | down 25.1% | flat |
| 51 | Saint Vincent and the Grenadines | 4.5% | 2025 | down 48.2% | falling |
| 52 | Ecuador | 4.5% | 2025 | down 1.1% | falling |
| 53 | Macao | 4.4% | 2025 | up 3,600.2% | volatile |
| 54 | Namibia | 4.3% | 2025 | up 178.7% | volatile |
| 55 | Lesotho | 4.3% | 2024 | up 0.9% | rising |
| 56 | Samoa | 4.2% | 2024 | up 12.8% | rising |
| 57 | Rwanda | 4.2% | 2024 | down 19.9% | falling |
| 58 | Moldova | 4.2% | 2025 | down 57.9% | falling |
| 59 | United Arab Emirates | 4.1% | 2024 | down 22.1% | rising |
| 60 | Grenada | 4.1% | 2025 | down 58.9% | volatile |
| 61 | Peru | 4.0% | 2024 | up 39.2% | rising |
| 62 | Uzbekistan | 3.9% | 2024 | up 85.4% | volatile |
| 63 | Brazil | 3.9% | 2025 | up 36.2% | falling |
| 64 | Uganda | 3.9% | 2024 | down 4.7% | rising |
| 65 | Albania | 3.6% | 2025 | down 78.3% | volatile |
| 66 | Kazakhstan | 3.6% | 2025 | down 54.4% | volatile |
| 67 | Mongolia | 3.5% | 2025 | down 50.7% | falling |
| 68 | Curacao | 3.5% | 2024 | down 41.6% | falling |
| 69 | Mauritius | 3.5% | 2025 | down 52.0% | rising |
| 70 | Palestine | 3.4% | 2023 | up 18.6% | falling |
| 71 | Antigua and Barbuda | 3.4% | 2025 | down 64.9% | falling |
| 72 | Botswana | 3.3% | 2025 | down 11.2% | flat |
| 73 | Bosnia and Herzegovina | 3.2% | 2024 | down 77.7% | volatile |
| 74 | Bolivia | 3.1% | 2024 | up 109.3% | rising |
| 75 | Belize | 3.1% | 2024 | down 47.4% | falling |
| 76 | Romania | 3.1% | 2025 | down 80.7% | volatile |
| 77 | Djibouti | 3.1% | 2024 | down 83.1% | falling |
| 78 | Montenegro | 3.0% | 2025 | down 79.1% | volatile |
| 79 | Philippines | 3.0% | 2025 | up 60.1% | rising |
| 80 | Colombia | 3.0% | 2025 | up 4.1% | rising |
| 81 | Greece | 3.0% | 2025 | down 91.7% | volatile |
| 82 | Austria | 2.9% | 2024 | down 15.5% | flat |
| 83 | Trinidad and Tobago | 2.8% | 2024 | down 29.5% | falling |
| 84 | Bulgaria | 2.8% | 2025 | down 80.7% | volatile |
| 85 | Brunei | 2.8% | 2022 | down 47.6% | falling |
| 86 | Thailand | 2.8% | 2024 | up 22.1% | falling |
| 87 | Croatia | 2.8% | 2025 | down 84.6% | volatile |
| 88 | Zambia | 2.8% | 2025 | down 61.9% | volatile |
| 89 | Micronesia (country) | 2.8% | 2024 | up 7.9% | volatile |
| 90 | Honduras | 2.7% | 2025 | down 12.8% | falling |
| 91 | Somalia | 2.6% | 2025 | up 60.4% | falling |
| 92 | Hungary | 2.6% | 2025 | down 77.4% | volatile |
| 93 | Spain | 2.6% | 2025 | down 49.2% | falling |
| 94 | Georgia | 2.5% | 2025 | down 6.2% | falling |
| 95 | Tanzania | 2.5% | 2025 | down 71.2% | falling |
| 96 | Latvia | 2.5% | 2025 | down 46.8% | volatile |
| 97 | Italy | 2.5% | 2025 | down 86.4% | volatile |
| 98 | Chile | 2.4% | 2025 | up 39.5% | rising |
| 99 | Panama | 2.4% | 2025 | up 8.8% | falling |
| 100 | Slovenia | 2.4% | 2025 | down 76.2% | volatile |
| 101 | Guatemala | 2.4% | 2025 | up 74.5% | rising |
| 102 | Portugal | 2.3% | 2025 | down 86.7% | volatile |
| 103 | Luxembourg | 2.2% | 2025 | up 146.8% | volatile |
| 104 | Belarus | 2.2% | 2025 | down 67.4% | volatile |
| 105 | Bhutan | 2.2% | 2024 | down 67.1% | falling |
| 106 | Paraguay | 2.2% | 2025 | down 14.4% | falling |
| 107 | Mexico | 2.2% | 2025 | down 16.7% | falling |
| 108 | Cyprus | 2.1% | 2025 | down 95.5% | volatile |
| 109 | France | 2.1% | 2024 | down 44.0% | falling |
| 110 | India | 2.1% | 2025 | down 64.9% | rising |
| 111 | Costa Rica | 2.0% | 2025 | up 23.1% | rising |
| 113 | Malta | 2.0% | 2025 | down 71.7% | falling |
| 114 | Belgium | 2.0% | 2025 | down 48.2% | falling |
| 115 | Slovakia | 2.0% | 2025 | down 58.6% | falling |
| 116 | North Macedonia | 1.9% | 2025 | down 81.2% | volatile |
| 117 | Indonesia | 1.9% | 2025 | down 17.3% | falling |
| 118 | Dominican Republic | 1.7% | 2025 | down 9.7% | falling |
| 119 | El Salvador | 1.7% | 2024 | down 25.9% | falling |
| 120 | Turkey | 1.7% | 2024 | down 39.7% | falling |
| 121 | Poland | 1.6% | 2025 | down 61.8% | falling |
| 122 | Iceland | 1.6% | 2025 | down 73.3% | falling |
| 123 | Hong Kong | 1.6% | 2025 | up 113.1% | rising |
| 124 | Uruguay | 1.5% | 2024 | down 5.9% | falling |
| 125 | China | 1.5% | 2024 | up 20.5% | rising |
| 126 | Denmark | 1.5% | 2025 | down 55.1% | falling |
| 127 | Netherlands | 1.4% | 2025 | down 46.9% | falling |
| 128 | Finland | 1.4% | 2025 | up 51.6% | rising |
| 129 | Kuwait | 1.4% | 2025 | down 41.1% | volatile |
| 130 | Malaysia | 1.4% | 2025 | down 14.8% | volatile |
| 131 | Estonia | 1.3% | 2025 | down 51.9% | volatile |
| 132 | Singapore | 1.3% | 2019 | down 35.8% | falling |
| 133 | Japan | 1.2% | 2022 | down 49.2% | falling |
| 134 | Ireland | 1.2% | 2024 | down 94.1% | volatile |
| 135 | Armenia | 1.1% | 2024 | down 83.9% | falling |
| 136 | Czechia | 1.1% | 2025 | down 79.6% | volatile |
| 137 | Saudi Arabia | 1.0% | 2025 | down 16.1% | falling |
| 138 | Nicaragua | 1.0% | 2025 | up 17.1% | falling |
| 139 | Australia | 1.0% | 2025 | up 12.7% | falling |
| 140 | United States | 1.0% | 2025 | down 34.8% | volatile |
| 141 | United Kingdom | 0.9% | 2025 | down 6.6% | volatile |
| 142 | Lithuania | 0.8% | 2025 | down 84.0% | volatile |
| 143 | Switzerland | 0.8% | 2025 | up 5.2% | falling |
| 144 | Israel | 0.7% | 2024 | down 66.7% | falling |
| 145 | Canada | 0.7% | 2025 | up 36.7% | falling |
| 146 | Norway | 0.4% | 2025 | down 57.4% | falling |
| 147 | Liechtenstein | 0.4% | 2024 | — | flat |
| 148 | Sweden | 0.4% | 2025 | down 60.0% | falling |
| 149 | South Korea | 0.3% | 2023 | down 53.8% | falling |
| 150 | Monaco | 0.2% | 2019 | down 39.0% | falling |
Regions and income groups
Aggregates are excluded from the country ranking above so that a region can never outrank a country.
- Kosovo 2.0%
About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.