Bank nonperforming loans to total gross loans in Australia
Australia: Bank nonperforming loans to total gross loans was 1.0% in 2025. ▼ Falling
Bank nonperforming loans to total gross loans in Australia, 2006–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Australia recorded 1.0% for bank nonperforming loans to total gross loans in 2025.
The figure is up 0.7% on the previous year and up 12.7% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Australia peaked at 2.1% in 2010 and was at its lowest, 0.6%, in 2007.
That places Australia 139th out of 150 countries with data for 2025, putting it in the bottom quarter.
The long-run direction has been consistently falling across the 20 years of available data.
Bank nonperforming loans to total gross loans in Australia, year by year
| Year | % | Change |
|---|---|---|
| 2006 | 0.6% | — |
| 2007 | 0.6% | -2.6% |
| 2008 | 1.4% | +142.3% |
| 2009 | 2.0% | +48.9% |
| 2010 | 2.1% | +6.5% |
| 2011 | 2.0% | -8.4% |
| 2012 | 1.7% | -13.5% |
| 2013 | 1.4% | -19.8% |
| 2014 | 1.0% | -25.7% |
| 2015 | 0.9% | -12.3% |
| 2016 | 0.9% | +6.6% |
| 2017 | 0.9% | -9.6% |
| 2018 | 0.9% | +5.2% |
| 2019 | 1.0% | +6.6% |
| 2020 | 1.1% | +15.2% |
| 2021 | 0.9% | -17.6% |
| 2022 | 0.7% | -20.9% |
| 2023 | 0.9% | +18.3% |
| 2024 | 1.0% | +16.5% |
| 2025 | 1.0% | +0.7% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 1.1% | 0.6% | 2.0% | 4 |
| 2010s | 1.3% | 0.9% | 2.1% | 10 |
| 2020s | 0.9% | 0.7% | 1.1% | 6 |
Countries ranked near Australia
- 136 Czechia 1.1% compare
- 137 Saudi Arabia 1.0% compare
- 138 Nicaragua 1.0% compare
- 140 United States 1.0% compare
- 141 United Kingdom 0.9% compare
- 142 Lithuania 0.8% compare
More financial sector data for Australia
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 8.19 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.0183 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 1,189 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 8.62 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 1,642 SDR per person (2025)
- Total reserves (gold at market value) (SDR), annual growth rate 14.51 % change on previous year (2025)
- Total reserves (gold at market value) (SDR), per capita 1,921 SDR per person (2025)
- Total reserves (gold at national valuation) (SDR), annual growth rate 14.5 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 1,921 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 17.18 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Australia?
- Bank nonperforming loans to total gross loans in Australia was 1.0% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Australia?
- The highest recorded value was 2.1% in 2010.
- What is the lowest bank nonperforming loans to total gross loans recorded in Australia?
- The lowest recorded value was 0.6% in 2007.
- How does Australia rank for bank nonperforming loans to total gross loans?
- Australia ranks 139th out of 150 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Australia?
- Over the last ten years it is up 12.7%. The long-run trend across the full record is falling.
- Where does this Australia data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
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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.