Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Zambia
Zambia: Outstanding Loans, Commercial Banks, of Which: Household Sector Loans was 16.83 billion in 2025. ◆ Volatile
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Zambia, 2005–2025
Source: International Monetary Fund.
Analysis
Zambia recorded 16.83 billion for outstanding loans, commercial banks, of which: household sector loans in 2025. That is the highest value across all 21 years on record.
That represents a change of up 15.9% on the previous year and up 112.9% over ten years.
Over the whole period, outstanding loans, commercial banks, of which: household sector loans in Zambia peaked at 16.83 billion in 2025 and was at its lowest, 485.00 million, in 2005.
Zambia ranks 97th of 134 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.
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Zambia, year by year
| Year | Value | Change |
|---|---|---|
| 2005 | 485.00 million | — |
| 2006 | 581.00 million | +19.8% |
| 2007 | 902.00 million | +55.2% |
| 2008 | 2.45 billion | +171.7% |
| 2009 | 2.50 billion | +1.8% |
| 2010 | 2.87 billion | +14.8% |
| 2011 | 3.18 billion | +10.9% |
| 2012 | 5.29 billion | +66.5% |
| 2013 | 6.37 billion | +20.4% |
| 2014 | 7.79 billion | +22.2% |
| 2015 | 7.91 billion | +1.5% |
| 2016 | 6.69 billion | -15.4% |
| 2017 | 7.10 billion | +6.1% |
| 2018 | 8.40 billion | +18.3% |
| 2019 | 9.76 billion | +16.2% |
| 2020 | 8.01 billion | -18.0% |
| 2021 | 7.24 billion | -9.6% |
| 2022 | 9.68 billion | +33.7% |
| 2023 | 12.45 billion | +28.6% |
| 2024 | 14.53 billion | +16.7% |
| 2025 | 16.83 billion | +15.9% |
Zambia compared with similar countries
- Zambia's 16.83 billion is below the median for lower middle income countries, which is 472.36 billion, 4% of the median. (22 countries reporting)
- Zambia's 16.83 billion is below the median for Sub-Saharan Africa, which is 211.43 billion, 8% of the median. (25 countries reporting)
Biggest year-on-year movements
Years where Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Zambia 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 |
|---|---|---|---|
| 2008 | +171.7% | 902.00 million | 2.45 billion |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 1.38 billion | 485.00 million | 2.50 billion | 5 |
| 2010s | 6.54 billion | 2.87 billion | 9.76 billion | 10 |
| 2020s | 11.46 billion | 7.24 billion | 16.83 billion | 6 |
Countries ranked near Zambia
More financial sector data for Zambia
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 0.0011 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 0.0008 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 0.0011 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is outstanding loans, commercial banks, of which: household sector loans in Zambia?
- Outstanding loans, commercial banks, of which: household sector loans in Zambia was 16.83 billion in 2025, according to International Monetary Fund.
- What is the highest outstanding loans, commercial banks, of which: household sector loans recorded in Zambia?
- The highest recorded value was 16.83 billion in 2025.
- What is the lowest outstanding loans, commercial banks, of which: household sector loans recorded in Zambia?
- The lowest recorded value was 485.00 million in 2005.
- How does Zambia rank for outstanding loans, commercial banks, of which: household sector loans?
- Zambia ranks 97th out of 134 countries with data for 2025.
- Is outstanding loans, commercial banks, of which: household sector loans rising or falling in Zambia?
- Over the last ten years it is up 112.9%. The long-run trend across the full record is volatile.
- Where does this Zambia data come from?
- The figures come from International Monetary Fund, published as part of Outstanding Loans, Commercial Banks, of Which: Household Sector Loans. Statizoid updates them automatically from the source API.
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About this data
Gender-disaggregated data on access to and use of financial services.