Bank nonperforming loans to total gross loans in Bosnia and Herzegovina
Bosnia and Herzegovina: Bank nonperforming loans to total gross loans was 3.2% in 2024. ◆ Volatile
Bank nonperforming loans to total gross loans in Bosnia and Herzegovina, 2000–2024
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank nonperforming loans to total gross loans in Bosnia and Herzegovina is 3.2%, measured in 2024.
That represents a change of down 17.4% on the previous year and down 77.7% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Bosnia and Herzegovina peaked at 21.2% in 2000 and was at its lowest, 3.0%, in 2007.
That places Bosnia and Herzegovina 73rd out of 151 countries with data for 2024, putting it in the middle of the range.
The series is highly variable year to year, so single readings are best treated with caution.
Bank nonperforming loans to total gross loans in Bosnia and Herzegovina, year by year
| Year | % | Change |
|---|---|---|
| 2000 | 21.2% | — |
| 2001 | 17.9% | -15.6% |
| 2002 | 11.0% | -38.5% |
| 2003 | 8.4% | -23.9% |
| 2004 | 6.1% | -27.6% |
| 2005 | 5.3% | -13.1% |
| 2006 | 4.0% | -24.2% |
| 2007 | 3.0% | -24.5% |
| 2008 | 3.1% | +2.4% |
| 2009 | 5.9% | +89.9% |
| 2010 | 11.4% | +94.5% |
| 2011 | 11.8% | +3.3% |
| 2012 | 13.5% | +14.1% |
| 2013 | 15.1% | +12.3% |
| 2014 | 14.2% | -6.3% |
| 2015 | 13.7% | -3.2% |
| 2016 | 11.8% | -14.1% |
| 2017 | 10.0% | -14.7% |
| 2018 | 8.8% | -12.7% |
| 2019 | 7.4% | -15.5% |
| 2020 | 6.1% | -17.4% |
| 2021 | 5.8% | -5.6% |
| 2022 | 4.5% | -21.5% |
| 2023 | 3.8% | -15.9% |
| 2024 | 3.2% | -17.4% |
Bosnia and Herzegovina compared with similar countries
- Bosnia and Herzegovina's 3.2% is below the median for upper middle income countries, which is 3.5%, 89% of the median. (48 countries reporting)
- Bosnia and Herzegovina's 3.2% is above the median for Europe & Central Asia, which is 2.2%, 1.4× the median. (48 countries reporting)
Biggest year-on-year movements
Years where Bank nonperforming loans to total gross loans in Bosnia and Herzegovina changed far more than this series normally does. A large move can be a real event or a change in how the figure was measured — the source note below says who published it.
| Year | Change | From | To |
|---|---|---|---|
| 2010 | +94.5% | 5.9% | 11.4% |
| 2009 | +89.9% | 3.1% | 5.9% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 8.6% | 3.0% | 21.2% | 10 |
| 2010s | 11.8% | 7.4% | 15.1% | 10 |
| 2020s | 4.7% | 3.2% | 6.1% | 5 |
Countries ranked near Bosnia and Herzegovina
- 70 Palestine, State of 3.4% compare
- 71 Antigua and Barbuda 3.4% compare
- 72 Botswana 3.3% compare
- 74 Bolivia, Plurinational State of 3.1% compare
- 75 Belize 3.1% compare
- 76 Romania 3.1% compare
More financial sector data for Bosnia and Herzegovina
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.1587 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.1159 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.1587 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Bosnia and Herzegovina?
- Bank nonperforming loans to total gross loans in Bosnia and Herzegovina was 3.2% in 2024, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Bosnia and Herzegovina?
- The highest recorded value was 21.2% in 2000.
- What is the lowest bank nonperforming loans to total gross loans recorded in Bosnia and Herzegovina?
- The lowest recorded value was 3.0% in 2007.
- How does Bosnia and Herzegovina rank for bank nonperforming loans to total gross loans?
- Bosnia and Herzegovina ranks 73rd out of 151 countries with data for 2024.
- Is bank nonperforming loans to total gross loans rising or falling in Bosnia and Herzegovina?
- Over the last ten years it is down 77.7%. The long-run trend across the full record is volatile.
- Where does this Bosnia and Herzegovina 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.