Bank nonperforming loans to total gross loans (%) in Croatia
Croatia: Bank nonperforming loans to total gross loans (%) was 2.8% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in Croatia, 2006–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank nonperforming loans to total gross loans in Croatia is 2.8%, measured in 2025. That is the lowest value across all 20 years on record.
That represents a change of down 9.3% on the previous year and down 84.6% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Croatia peaked at 18.4% in 2014 and was at its lowest, 2.8%, in 2025.
Croatia ranks 87th of 151 countries on this measure, 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 Croatia, year by year
| Year | % | Change |
|---|---|---|
| 2006 | 5.3% | — |
| 2007 | 4.9% | -8.7% |
| 2008 | 5.0% | +2.3% |
| 2009 | 7.9% | +58.7% |
| 2010 | 11.6% | +46.3% |
| 2011 | 12.9% | +11.6% |
| 2012 | 14.6% | +12.6% |
| 2013 | 16.8% | +15.1% |
| 2014 | 18.4% | +10.0% |
| 2015 | 18.2% | -1.4% |
| 2016 | 15.0% | -17.2% |
| 2017 | 12.1% | -19.3% |
| 2018 | 10.4% | -14.2% |
| 2019 | 7.4% | -28.8% |
| 2020 | 7.6% | +2.9% |
| 2021 | 5.7% | -25.3% |
| 2022 | 4.3% | -24.0% |
| 2023 | 3.6% | -16.9% |
| 2024 | 3.1% | -14.3% |
| 2025 | 2.8% | -9.3% |
Croatia compared with similar countries
- Croatia's 2.8% is above the median for high income countries, which is 2.0%, 1.4× the median. (58 countries reporting)
- Croatia's 2.8% is above the median for Europe & Central Asia, which is 2.2%, 1.3× the median. (48 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.8% | 4.9% | 7.9% | 4 |
| 2010s | 13.7% | 7.4% | 18.4% | 10 |
| 2020s | 4.5% | 2.8% | 7.6% | 6 |
Countries ranked near Croatia
More financial sector data for Croatia
- Reserve position in the IMF, US dollar, annual growth rate -2.8 % change on previous year (2024)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0005 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 12.53 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2024)
- Reserve position in the IMF, SDR, per unit of GDP 0.0003 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 9.15 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate -2.8 % change on previous year (2024)
- Reserve tranche position, US dollar, per unit of GDP 0.0005 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 12.53 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2024)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Croatia?
- Bank nonperforming loans to total gross loans in Croatia was 2.8% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Croatia?
- The highest recorded value was 18.4% in 2014.
- What is the lowest bank nonperforming loans to total gross loans recorded in Croatia?
- The lowest recorded value was 2.8% in 2025.
- How does Croatia rank for bank nonperforming loans to total gross loans?
- Croatia ranks 87th out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Croatia?
- Over the last ten years it is down 84.6%. The long-run trend across the full record is volatile.
- Where does this Croatia 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.