Bank nonperforming loans to total gross loans in Ecuador
Ecuador: Bank nonperforming loans to total gross loans was 4.5% in 2025. ▼ Falling
Bank nonperforming loans to total gross loans in Ecuador, 2003–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank nonperforming loans to total gross loans in Ecuador is 4.5%, measured in 2025.
Compared with earlier readings it is down 7.6% on the previous year and down 1.1% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Ecuador peaked at 8.6% in 2003 and was at its lowest, 2.8%, in 2018.
That places Ecuador 52nd out of 150 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently falling across the 23 years of available data.
Bank nonperforming loans to total gross loans in Ecuador, year by year
| Year | % | Change |
|---|---|---|
| 2003 | 8.6% | — |
| 2004 | 6.6% | -23.6% |
| 2005 | 5.1% | -22.1% |
| 2006 | 4.0% | -22.5% |
| 2007 | 3.7% | -5.7% |
| 2008 | 3.5% | -7.4% |
| 2009 | 4.0% | +15.2% |
| 2010 | 3.2% | -20.4% |
| 2011 | 3.0% | -5.8% |
| 2012 | 3.7% | +24.9% |
| 2013 | 3.7% | +0.4% |
| 2014 | 3.9% | +2.8% |
| 2015 | 4.5% | +16.8% |
| 2016 | 4.2% | -7.0% |
| 2017 | 3.2% | -22.9% |
| 2018 | 2.8% | -12.1% |
| 2019 | 3.2% | +12.1% |
| 2020 | 3.3% | +2.2% |
| 2021 | 3.2% | -3.1% |
| 2022 | 3.2% | +0.2% |
| 2023 | 4.7% | +49.6% |
| 2024 | 4.8% | +2.1% |
| 2025 | 4.5% | -7.6% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 5.1% | 3.5% | 8.6% | 7 |
| 2010s | 3.5% | 2.8% | 4.5% | 10 |
| 2020s | 3.9% | 3.2% | 4.8% | 6 |
Countries ranked near Ecuador
- 49 South Africa 4.5% compare
- 50 Russian Federation 4.5% compare
- 51 Saint Vincent and the Grenadines 4.5% compare
- 53 Macao 4.4% compare
- 54 Namibia 4.3% compare
- 55 Lesotho 4.3% compare
More financial sector data for Ecuador
- Total reserves (gold at national valuation) (SDR), annual growth rate 35.07 % change on previous year (2025)
- Total reserves (gold at national valuation) (SDR), per capita 391.17 SDR per person (2025)
- Total reserves in months of imports, annual growth rate 30.1 % change on previous year (2025)
- Total reserves in months of imports, per unit of GDP 0 units per US$ of GDP (2025)
- Total reserves in months of imports, per capita 0 units per person (2025)
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 24.24 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.034 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 242.06 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 23.66 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 243.82 SDR per person (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Ecuador?
- Bank nonperforming loans to total gross loans in Ecuador was 4.5% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Ecuador?
- The highest recorded value was 8.6% in 2003.
- What is the lowest bank nonperforming loans to total gross loans recorded in Ecuador?
- The lowest recorded value was 2.8% in 2018.
- How does Ecuador rank for bank nonperforming loans to total gross loans?
- Ecuador ranks 52nd out of 150 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Ecuador?
- Over the last ten years it is down 1.1%. The long-run trend across the full record is falling.
- Where does this Ecuador 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.