Non-performing loans - Country rankings

* indicates monthly or quarterly data series

Non-performing loans as percent of all bank loans, 2025:

The average for 2025 based on 88 countries was 3.64 percent. The highest value was in Ghana: 18.92 percent and the lowest value was in Sweden: 0.43 percent. The indicator is available from 2000 to 2025. Below is a chart for all countries where data are available.

Measure: percent; Source: The World Bank
Select indicator
* indicates monthly or quarterly data series


Countries Non-performing loans, 2025 Global rank Available data
Ghana 18.92 1 2008 - 2025
San Marino 14.8 2 2009 - 2025
Ukraine 13.92 3 2005 - 2025
Tonga 13.47 4 2012 - 2025
Kyrgyzstan 10.06 5 2010 - 2025
Sri Lanka 9.87 6 2011 - 2025
Dominica 8.92 7 2015 - 2025
Saint Lucia 8.51 8 2015 - 2025
Nigeria 8.12 9 2007 - 2025
Mozambique 7.47 10 2013 - 2025
Swaziland 6.74 11 2009 - 2025
Maldives 5.69 12 2012 - 2025
Pakistan 5.36 13 2013 - 2025
Argentina 5.29 14 2005 - 2025
Nepal 5.15 15 2016 - 2025
DR Congo 4.92 16 2018 - 2025
S.T.&Principe 4.81 17 2024 - 2025
Seychelles 4.71 18 2010 - 2025
St. Vincent & ... 4.48 19 2015 - 2025
Ecuador 4.45 20 2003 - 2025
Macao 4.43 21 2010 - 2025
Namibia 4.32 22 2010 - 2025
Moldova 4.17 23 2009 - 2025
Grenada 4.09 24 2015 - 2025
Brazil 3.88 25 2005 - 2025
Burundi 3.85 26 2023 - 2025
Albania 3.65 27 2010 - 2025
Kazakhstan 3.63 28 2008 - 2025
Mauritius 3.45 29 2009 - 2025
Mongolia 3.45 30 2016 - 2025
Ant.& Barb. 3.35 31 2015 - 2025
Botswana 3.32 32 2012 - 2025
Romania 3.11 33 2007 - 2025
Montenegro 3.04 34 2006 - 2025
Philippines 3.02 35 2009 - 2025
Colombia 2.96 36 2005 - 2025
Greece 2.95 37 2008 - 2025
Bulgaria 2.82 38 2008 - 2025
Croatia 2.8 39 2006 - 2025
Zambia 2.77 40 2007 - 2025
Honduras 2.67 41 2010 - 2025
Somalia 2.65 42 2018 - 2025
Hungary 2.63 43 2008 - 2025
Spain 2.58 44 2012 - 2025
Georgia 2.54 45 2003 - 2025
Tanzania 2.48 46 2010 - 2025
Latvia 2.47 47 2011 - 2025
Italy 2.46 48 2005 - 2025
Chile 2.4 49 2001 - 2025
Panama 2.39 50 2005 - 2025
Slovenia 2.37 51 2008 - 2025
Guatemala 2.35 52 2009 - 2025
Portugal 2.34 53 2007 - 2025
Belarus 2.23 54 2010 - 2025
Luxembourg 2.23 55 2009 - 2025
Paraguay 2.22 56 2005 - 2025
Mexico 2.17 57 2005 - 2025
Cyprus 2.13 58 2008 - 2025
India 2.06 59 2005 - 2025
Costa Rica 2.05 60 2008 - 2025
Malta 2.01 61 2005 - 2025
Belgium 2 62 2006 - 2025
Azerbaijan 1.98 63 2022 - 2025
Slovakia 1.95 64 2005 - 2025
North Macedonia 1.94 65 2005 - 2025
Indonesia 1.92 66 2005 - 2025
Germany 1.89 67 2022 - 2025
Domin. Rep. 1.72 68 2017 - 2025
Poland 1.59 69 2008 - 2025
Hong Kong 1.56 70 2008 - 2025
Iceland 1.56 71 2015 - 2025
Denmark 1.47 72 2010 - 2025
Netherlands 1.44 73 2008 - 2025
Finland 1.41 74 2007 - 2025
Kuwait 1.4 75 2007 - 2025
Malaysia 1.37 76 2005 - 2025
Estonia 1.33 77 2008 - 2025
Czechia 1.11 78 2008 - 2025
Nicaragua 1.04 79 2008 - 2025
Saudi Arabia 1.04 80 2009 - 2025
Australia 1 81 2006 - 2025
USA 0.96 82 2009 - 2025
UK 0.95 83 2005 - 2025
Lithuania 0.79 84 2008 - 2025
Switzerland 0.77 85 2005 - 2025
Canada 0.71 86 2005 - 2025
Norway 0.45 87 2009 - 2025
Sweden 0.43 88 2016 - 2025


New - World map: Non-performing loans




Definition: 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.

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All articles

1. Ghana
2. San Marino
3. Ukraine
4. Tonga
5. Kyrgyzstan
6. Sri Lanka
7. Dominica
8. Saint Lucia
9. Nigeria
10. Mozambique
11. Swaziland
12. Maldives
13. Pakistan
14. Argentina
15. Nepal
16. DR Congo
17. S.T.&Principe
18. Seychelles
19. St. Vincent & ...
20. Ecuador
21. Macao
22. Namibia
23. Moldova
24. Grenada
25. Brazil
26. Burundi
27. Albania
28. Kazakhstan
29. Mauritius
30. Mongolia
31. Ant.& Barb.
32. Botswana
33. Romania
34. Montenegro
35. Philippines
36. Colombia
37. Greece
38. Bulgaria
39. Croatia
40. Zambia
41. Honduras
42. Somalia
43. Hungary
44. Spain
45. Georgia
46. Tanzania
47. Latvia
48. Italy
49. Chile
50. Panama
51. Slovenia
52. Guatemala
53. Portugal
54. Belarus
55. Luxembourg
56. Paraguay
57. Mexico
58. Cyprus
59. India
60. Costa Rica
61. Malta
62. Belgium
63. Azerbaijan
64. Slovakia
65. North Macedonia
66. Indonesia
67. Germany
68. Domin. Rep.
69. Poland
70. Hong Kong
71. Iceland
72. Denmark
73. Netherlands
74. Finland
75. Kuwait
76. Malaysia
77. Estonia
78. Czechia
79. Nicaragua
80. Saudi Arabia
81. Australia
82. USA
83. UK
84. Lithuania
85. Switzerland
86. Canada
87. Norway
88. Sweden
18.92
14.80
13.92
13.47
10.06
9.87
8.92
8.51
8.12
7.47
6.74
5.69
5.36
5.29
5.15
4.92
4.81
4.71
4.48
4.45
4.43
4.32
4.17
4.09
3.88
3.85
3.65
3.63
3.45
3.45
3.35
3.32
3.11
3.04
3.02
2.96
2.95
2.82
2.80
2.77
2.67
2.65
2.63
2.58
2.54
2.48
2.47
2.46
2.40
2.39
2.37
2.35
2.34
2.23
2.23
2.22
2.17
2.13
2.06
2.05
2.01
2.00
1.98
1.95
1.94
1.92
1.89
1.72
1.59
1.56
1.56
1.47
1.44
1.41
1.40
1.37
1.33
1.11
1.04
1.04
1.00
0.96
0.95
0.79
0.77
0.71
0.45
0.43
0
4.7
9.5
14.2
18.92


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