Bank nonperforming loans to total gross loans (%) in United Kingdom
United Kingdom: Bank nonperforming loans to total gross loans (%) was 0.9% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in United Kingdom, 2005–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
In 2025, bank nonperforming loans to total gross loans in United Kingdom stood at 0.9%.
Compared with earlier readings it is down 6.7% on the previous year and down 6.6% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in United Kingdom peaked at 4.0% in 2011 and was at its lowest, 0.9%, in 2022.
That places United Kingdom 142nd 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 United Kingdom, year by year
| Year | % | Change |
|---|---|---|
| 2005 | 1.0% | — |
| 2008 | 1.6% | +56.7% |
| 2009 | 3.5% | +125.4% |
| 2010 | 4.0% | +12.7% |
| 2011 | 4.0% | +0.2% |
| 2012 | 3.6% | -9.5% |
| 2013 | 3.1% | -13.2% |
| 2014 | 1.7% | -46.8% |
| 2015 | 1.0% | -38.7% |
| 2016 | 1.7% | +66.3% |
| 2017 | 1.4% | -19.4% |
| 2018 | 1.1% | -19.4% |
| 2019 | 1.0% | -7.1% |
| 2020 | 1.0% | -3.4% |
| 2021 | 1.0% | -1.4% |
| 2022 | 0.9% | -3.1% |
| 2023 | 1.0% | +3.3% |
| 2024 | 1.0% | +4.7% |
| 2025 | 0.9% | -6.7% |
United Kingdom compared with similar countries
- United Kingdom's 0.9% is below the median for high income countries, which is 2.0%, 47% of the median. (58 countries reporting)
- United Kingdom's 0.9% is below the median for Europe & Central Asia, which is 2.2%, 42% of the median. (48 countries reporting)
Biggest year-on-year movements
Years where Bank nonperforming loans to total gross loans (%) in United Kingdom 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 | +125.4% | 1.6% | 3.5% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 2.0% | 1.0% | 3.5% | 3 |
| 2010s | 2.2% | 1.0% | 4.0% | 10 |
| 2020s | 1.0% | 0.9% | 1.0% | 6 |
Countries ranked near United Kingdom
More financial sector data for United Kingdom
- Reserve position in the IMF, US dollar, annual growth rate 10.56 % 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 104.99 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 5.29 % 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 76.66 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 10.56 % 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 104.99 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 5.29 % change on previous year (2025)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in United Kingdom?
- Bank nonperforming loans to total gross loans in United Kingdom was 0.9% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in United Kingdom?
- The highest recorded value was 4.0% in 2011.
- What is the lowest bank nonperforming loans to total gross loans recorded in United Kingdom?
- The lowest recorded value was 0.9% in 2022.
- How does United Kingdom rank for bank nonperforming loans to total gross loans?
- United Kingdom ranks 142nd out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in United Kingdom?
- Over the last ten years it is down 6.6%. The long-run trend across the full record is volatile.
- Where does this United Kingdom 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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CSV · JSON — 19 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.