Bank nonperforming loans to total gross loans in Portugal
Portugal: Bank nonperforming loans to total gross loans was 2.3% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in Portugal, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank nonperforming loans to total gross loans in Portugal stood at 2.3%. That is the lowest value across all 19 years on record.
That represents a change of down 16.3% on the previous year and down 86.7% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Portugal peaked at 17.7% in 2015 and was at its lowest, 2.3%, in 2025.
Portugal ranks 102nd 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 Portugal, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 2.4% | — |
| 2008 | 3.2% | +33.5% |
| 2009 | 4.5% | +39.6% |
| 2010 | 4.8% | +7.5% |
| 2011 | 6.6% | +36.8% |
| 2012 | 8.5% | +28.8% |
| 2013 | 9.6% | +12.8% |
| 2014 | 10.9% | +13.8% |
| 2015 | 17.7% | +62.4% |
| 2016 | 17.3% | -2.3% |
| 2017 | 14.2% | -18.0% |
| 2018 | 10.2% | -28.1% |
| 2019 | 6.8% | -33.4% |
| 2020 | 5.6% | -17.4% |
| 2021 | 4.6% | -18.3% |
| 2022 | 3.6% | -21.0% |
| 2023 | 3.1% | -13.3% |
| 2024 | 2.8% | -10.8% |
| 2025 | 2.3% | -16.3% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 3.4% | 2.4% | 4.5% | 3 |
| 2010s | 10.6% | 4.8% | 17.7% | 10 |
| 2020s | 3.7% | 2.3% | 5.6% | 6 |
Countries ranked near Portugal
More financial sector data for Portugal
- Reserve position in the IMF, US dollar, annual growth rate 19.33 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0021 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 67.16 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 13.63 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 49.04 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 19.33 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0021 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 67.16 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 13.63 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Portugal?
- Bank nonperforming loans to total gross loans in Portugal was 2.3% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Portugal?
- The highest recorded value was 17.7% in 2015.
- What is the lowest bank nonperforming loans to total gross loans recorded in Portugal?
- The lowest recorded value was 2.3% in 2025.
- How does Portugal rank for bank nonperforming loans to total gross loans?
- Portugal ranks 102nd out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Portugal?
- Over the last ten years it is down 86.7%. The long-run trend across the full record is volatile.
- Where does this Portugal 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.