Bank nonperforming loans to total gross loans (%) in Poland
Poland: Bank nonperforming loans to total gross loans (%) was 1.6% in 2025. ▼ Falling
Bank nonperforming loans to total gross loans in Poland, 2008–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank nonperforming loans to total gross loans in Poland stood at 1.6%. That is the lowest value across all 18 years on record.
The figure is down 10.7% on the previous year and down 61.8% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Poland peaked at 4.9% in 2012 and was at its lowest, 1.6%, in 2025.
Poland ranks 122nd of 151 countries on this measure, in the bottom quarter.
The long-run direction has been consistently falling across the 18 years of available data.
Bank nonperforming loans to total gross loans (%) in Poland, year by year
| Year | % | Change |
|---|---|---|
| 2008 | 2.8% | — |
| 2009 | 4.1% | +44.7% |
| 2010 | 4.7% | +15.2% |
| 2011 | 4.5% | -3.5% |
| 2012 | 4.9% | +8.4% |
| 2013 | 4.8% | -2.6% |
| 2014 | 4.6% | -3.6% |
| 2015 | 4.2% | -9.8% |
| 2016 | 3.9% | -5.6% |
| 2017 | 3.8% | -2.5% |
| 2018 | 3.9% | +0.9% |
| 2019 | 3.8% | -1.4% |
| 2020 | 3.7% | -2.5% |
| 2021 | 2.9% | -23.3% |
| 2022 | 2.4% | -14.7% |
| 2023 | 2.3% | -4.5% |
| 2024 | 1.8% | -23.3% |
| 2025 | 1.6% | -10.7% |
Poland compared with similar countries
- Poland's 1.6% is below the median for high income countries, which is 2.0%, 78% of the median. (58 countries reporting)
- Poland's 1.6% is below the median for Europe & Central Asia, which is 2.2%, 71% of the median. (48 countries reporting)
Biggest year-on-year movements
Years where Bank nonperforming loans to total gross loans (%) in Poland 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 |
|---|---|---|---|
| 2009 | +44.7% | 2.8% | 4.1% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.5% | 2.8% | 4.1% | 2 |
| 2010s | 4.3% | 3.8% | 4.9% | 10 |
| 2020s | 2.4% | 1.6% | 3.7% | 6 |
Countries ranked near Poland
More financial sector data for Poland
- Reserve position in the IMF, US dollar, annual growth rate 11.07 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 40.94 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 5.77 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 29.9 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 11.07 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0014 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 40.94 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 5.77 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Poland?
- Bank nonperforming loans to total gross loans in Poland was 1.6% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Poland?
- The highest recorded value was 4.9% in 2012.
- What is the lowest bank nonperforming loans to total gross loans recorded in Poland?
- The lowest recorded value was 1.6% in 2025.
- How does Poland rank for bank nonperforming loans to total gross loans?
- Poland ranks 122nd out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Poland?
- Over the last ten years it is down 61.8%. The long-run trend across the full record is falling.
- Where does this Poland 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.
Download this data
CSV · JSON — 18 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
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.