Bank nonperforming loans to total gross loans (%) in Pakistan
Pakistan: Bank nonperforming loans to total gross loans (%) was 5.4% in 2025. ▼ Falling
Bank nonperforming loans to total gross loans in Pakistan, 2013–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank nonperforming loans to total gross loans in Pakistan stood at 5.4%. That is the lowest value across all 13 years on record.
That represents a change of down 6.8% on the previous year and down 52.8% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Pakistan peaked at 13.0% in 2013 and was at its lowest, 5.4%, in 2025.
That places Pakistan 41st out of 151 countries with data for 2025, putting it in the middle of the range.
The long-run direction has been consistently falling across the 13 years of available data.
Bank nonperforming loans to total gross loans (%) in Pakistan, year by year
| Year | % | Change |
|---|---|---|
| 2013 | 13.0% | — |
| 2014 | 12.3% | -5.6% |
| 2015 | 11.4% | -7.4% |
| 2016 | 10.1% | -11.5% |
| 2017 | 8.4% | -16.2% |
| 2018 | 8.0% | -5.4% |
| 2019 | 8.6% | +7.6% |
| 2020 | 9.2% | +7.0% |
| 2021 | 7.9% | -14.1% |
| 2022 | 6.5% | -17.0% |
| 2023 | 6.6% | +1.3% |
| 2024 | 5.7% | -13.3% |
| 2025 | 5.4% | -6.8% |
Pakistan compared with similar countries
- Pakistan's 5.4% is below the median for lower middle income countries, which is 6.6%, 81% of the median. (32 countries reporting)
- Pakistan's 5.4% is above the median for Middle East, North Africa, Afghanistan & Pakistan, which is 4.7%, 1.1× the median. (14 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2010s | 10.2% | 8.0% | 13.0% | 7 |
| 2020s | 6.9% | 5.4% | 9.2% | 6 |
Countries ranked near Pakistan
More financial sector data for Pakistan
- 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 0.0006 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 0.0005 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 0.0006 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 Pakistan?
- Bank nonperforming loans to total gross loans in Pakistan was 5.4% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Pakistan?
- The highest recorded value was 13.0% in 2013.
- What is the lowest bank nonperforming loans to total gross loans recorded in Pakistan?
- The lowest recorded value was 5.4% in 2025.
- How does Pakistan rank for bank nonperforming loans to total gross loans?
- Pakistan ranks 41st out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Pakistan?
- Over the last ten years it is down 52.8%. The long-run trend across the full record is falling.
- Where does this Pakistan 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.