Bank nonperforming loans to total gross loans in Zambia
Zambia: Bank nonperforming loans to total gross loans was 2.8% in 2025. ◆ Volatile
Bank nonperforming loans to total gross loans in Zambia, 2007–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Zambia recorded 2.8% for bank nonperforming loans to total gross loans in 2025. That is the lowest value across all 19 years on record.
The figure is down 31.8% on the previous year and down 61.9% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Zambia peaked at 27.2% in 2009 and was at its lowest, 2.8%, in 2025.
Zambia ranks 88th 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 Zambia, year by year
| Year | % | Change |
|---|---|---|
| 2007 | 8.3% | — |
| 2008 | 6.2% | -25.7% |
| 2009 | 27.2% | +341.5% |
| 2010 | 14.8% | -45.5% |
| 2011 | 10.4% | -30.0% |
| 2012 | 8.1% | -21.9% |
| 2013 | 7.0% | -14.2% |
| 2014 | 6.1% | -12.3% |
| 2015 | 7.3% | +19.2% |
| 2016 | 9.7% | +32.8% |
| 2017 | 12.0% | +24.0% |
| 2018 | 11.0% | -8.6% |
| 2019 | 8.9% | -18.7% |
| 2020 | 11.6% | +30.6% |
| 2021 | 5.8% | -49.9% |
| 2022 | 5.0% | -14.5% |
| 2023 | 4.2% | -15.4% |
| 2024 | 4.1% | -3.6% |
| 2025 | 2.8% | -31.8% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 13.9% | 6.2% | 27.2% | 3 |
| 2010s | 9.5% | 6.1% | 14.8% | 10 |
| 2020s | 5.6% | 2.8% | 11.6% | 6 |
Countries ranked near Zambia
More financial sector data for Zambia
- Net domestic credit (current LCU), per capita 7,869 current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 5.97 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate 13.4 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 0 SDR (2020)
- Gold reserves at market value 0 SDR (2020)
- Reserves excluding gold, foreign exchange 1.08 billion SDR (2024)
- Reserves excluding gold 3.14 billion SDR (2024)
- Total reserves (gold at market value) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) 3.14 billion SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 147.13 SDR per person (2024)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Zambia?
- Bank nonperforming loans to total gross loans in Zambia was 2.8% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Zambia?
- The highest recorded value was 27.2% in 2009.
- What is the lowest bank nonperforming loans to total gross loans recorded in Zambia?
- The lowest recorded value was 2.8% in 2025.
- How does Zambia rank for bank nonperforming loans to total gross loans?
- Zambia ranks 88th out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Zambia?
- Over the last ten years it is down 61.9%. The long-run trend across the full record is volatile.
- Where does this Zambia 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.