Bank nonperforming loans to total gross loans (%) in Estonia
Estonia: Bank nonperforming loans to total gross loans (%) was 1.3% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in Estonia, 2008–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
The most recent figure for bank nonperforming loans to total gross loans in Estonia is 1.3%, measured in 2025.
The figure is up 11.7% on the previous year and down 51.9% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Estonia peaked at 5.4% in 2010 and was at its lowest, 0.8%, in 2022.
That places Estonia 132nd out of 151 countries with data for 2025, putting it in the bottom quarter.
The series is highly variable year to year, so single readings are best treated with caution.
Bank nonperforming loans to total gross loans (%) in Estonia, year by year
| Year | % | Change |
|---|---|---|
| 2008 | 1.9% | — |
| 2009 | 5.2% | +167.5% |
| 2010 | 5.4% | +3.3% |
| 2011 | 4.0% | -24.7% |
| 2012 | 2.6% | -35.2% |
| 2013 | 1.5% | -43.8% |
| 2014 | 1.4% | -5.9% |
| 2015 | 2.8% | +99.5% |
| 2016 | 2.2% | -21.4% |
| 2017 | 2.4% | +9.3% |
| 2018 | 1.6% | -34.8% |
| 2019 | 2.0% | +27.3% |
| 2020 | 1.6% | -16.8% |
| 2021 | 1.1% | -33.8% |
| 2022 | 0.8% | -26.3% |
| 2023 | 1.1% | +35.2% |
| 2024 | 1.2% | +10.1% |
| 2025 | 1.3% | +11.7% |
Estonia compared with similar countries
- Estonia's 1.3% is below the median for high income countries, which is 2.0%, 66% of the median. (58 countries reporting)
- Estonia's 1.3% is below the median for Europe & Central Asia, which is 2.2%, 60% of the median. (48 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.6% | 1.9% | 5.2% | 2 |
| 2010s | 2.6% | 1.4% | 5.4% | 10 |
| 2020s | 1.2% | 0.8% | 1.6% | 6 |
Countries ranked near Estonia
More financial sector data for Estonia
- Reserve position in the IMF, US dollar, annual growth rate 8.55 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0018 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 63.05 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 3.37 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0013 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 46.04 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 8.55 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0018 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 63.05 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 3.37 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Estonia?
- Bank nonperforming loans to total gross loans in Estonia was 1.3% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Estonia?
- The highest recorded value was 5.4% in 2010.
- What is the lowest bank nonperforming loans to total gross loans recorded in Estonia?
- The lowest recorded value was 0.8% in 2022.
- How does Estonia rank for bank nonperforming loans to total gross loans?
- Estonia ranks 132nd out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Estonia?
- Over the last ten years it is down 51.9%. The long-run trend across the full record is volatile.
- Where does this Estonia 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.