Bank nonperforming loans to total gross loans in Spain
Spain: Bank nonperforming loans to total gross loans was 2.6% in 2025. ▼ Falling
Bank nonperforming loans to total gross loans in Spain, 2012–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank nonperforming loans to total gross loans in Spain stood at 2.6%. That is the lowest value across all 14 years on record.
That represents a change of down 9.9% on the previous year and down 49.2% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Spain peaked at 7.1% in 2013 and was at its lowest, 2.6%, in 2025.
That places Spain 93rd 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 14 years of available data.
Bank nonperforming loans to total gross loans in Spain, year by year
| Year | % | Change |
|---|---|---|
| 2012 | 5.7% | — |
| 2013 | 7.1% | +24.8% |
| 2014 | 6.4% | -10.4% |
| 2015 | 5.1% | -20.2% |
| 2016 | 4.7% | -7.3% |
| 2017 | 4.5% | -5.4% |
| 2018 | 3.7% | -17.4% |
| 2019 | 3.2% | -14.5% |
| 2020 | 2.9% | -9.6% |
| 2021 | 2.9% | +2.3% |
| 2022 | 3.1% | +5.0% |
| 2023 | 3.1% | +0.0% |
| 2024 | 2.9% | -6.2% |
| 2025 | 2.6% | -9.9% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2010s | 5.0% | 3.2% | 7.1% | 8 |
| 2020s | 2.9% | 2.6% | 3.1% | 6 |
Countries ranked near Spain
More financial sector data for Spain
- Total reserves in months of imports, annual growth rate 10.58 % 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 3.34 % change on previous year (2025)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.0264 SDR per US$ of GDP (2025)
- Reserves excluding gold, foreign exchange (SDR), per capita 1,021 SDR per person (2025)
- Reserves excluding gold (SDR), annual growth rate 0.7691 % change on previous year (2025)
- Reserves excluding gold (SDR), per capita 1,317 SDR per person (2025)
- Total reserves (gold at market value) (SDR), annual growth rate 13.62 % change on previous year (2025)
- Total reserves (gold at market value) (SDR), per capita 1,902 SDR per person (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Spain?
- Bank nonperforming loans to total gross loans in Spain was 2.6% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Spain?
- The highest recorded value was 7.1% in 2013.
- What is the lowest bank nonperforming loans to total gross loans recorded in Spain?
- The lowest recorded value was 2.6% in 2025.
- How does Spain rank for bank nonperforming loans to total gross loans?
- Spain ranks 93rd out of 150 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Spain?
- Over the last ten years it is down 49.2%. The long-run trend across the full record is falling.
- Where does this Spain 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 — 14 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.