Provisions to nonperforming loans (%) by country
Provisions to nonperforming loans. Nonperforming Loans are loans for which the contractual payments are delinquent, usually defined as and NPL ratio being overdue for more than a certain number of days (e.g., usually more than 90 days). Reported by IMF staff. Note that due to differences in national accounting,...
What the numbers show
Provisions to nonperforming loans (%) is currently reported for 140 countries. The highest value is 604.1% in Venezuela; the lowest is 0.9% in Azerbaijan.
The median across all reporting countries is 59.9%, and the mean is 74.4%.
The gap between the highest and lowest reporting country is a factor of about 657.
Over the past decade 80 countries rose and 58 fell. The largest increase was in Kenya (up 623.7%), and the largest decrease in Equatorial Guinea (down 69.5%).
Provisions to nonperforming loans: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Venezuela | 604.1% | 2014 | up 364.0% | volatile |
| 2 | Bolivia | 243.3% | 2015 | up 183.2% | volatile |
| 3 | Brazil | 239.1% | 2020 | up 45.0% | rising |
| 4 | El Salvador | 205.2% | 2020 | up 91.0% | rising |
| 5 | China | 184.5% | 2020 | up 47.8% | volatile |
| 6 | Dominican Republic | 174.2% | 2019 | up 62.8% | rising |
| 7 | Chile | 171.4% | 2020 | up 85.0% | falling |
| 8 | Mexico | 160.1% | 2020 | down 20.2% | rising |
| 9 | Colombia | 152.8% | 2020 | down 12.7% | rising |
| 10 | Argentina | 151.3% | 2020 | up 6.0% | rising |
| 11 | Panama | 148.0% | 2020 | up 5.9% | falling |
| 12 | North Macedonia | 141.1% | 2020 | up 40.2% | rising |
| 13 | Saudi Arabia | 131.1% | 2020 | up 7.2% | rising |
| 14 | Honduras | 126.5% | 2020 | up 6.8% | rising |
| 15 | Samoa | 118.5% | 2020 | up 120.7% | rising |
| 16 | Ecuador | 117.7% | 2019 | down 27.5% | falling |
| 17 | Peru | 116.2% | 2020 | down 14.1% | rising |
| 18 | Serbia | 114.2% | 2015 | up 93.9% | rising |
| 19 | Mozambique | 107.8% | 2015 | up 21.4% | volatile |
| 20 | Qatar | 100.1% | 2015 | up 20.3% | rising |
| 21 | Egypt | 99.0% | 2015 | up 94.1% | rising |
| 22 | Paraguay | 98.7% | 2020 | down 6.3% | rising |
| 23 | Maldives | 97.0% | 2020 | up 31.4% | rising |
| 24 | Norway | 95.1% | 2020 | up 190.2% | flat |
| 25 | Rwanda | 93.7% | 2020 | up 154.0% | rising |
| 26 | Gabon | 91.6% | 2020 | up 1.0% | rising |
| 27 | Cameroon | 91.2% | 2020 | up 7.9% | rising |
| 28 | South Sudan | 90.6% | 2015 | up 185.8% | rising |
| 29 | Ukraine | 89.3% | 2020 | up 34.0% | volatile |
| 30 | Pakistan | 88.3% | 2020 | up 32.4% | rising |
| 31 | Ghana | 84.3% | 2020 | up 19.3% | flat |
| 32 | Djibouti | 84.0% | 2020 | up 10.0% | rising |
| 33 | Croatia | 83.3% | 2020 | up 114.6% | falling |
| 34 | Burundi | 82.8% | 2018 | down 5.4% | flat |
| 35 | Slovenia | 81.7% | 2020 | up 121.2% | falling |
| 36 | Central African Republic | 81.2% | 2020 | down 16.7% | flat |
| 37 | Lithuania | 79.8% | 2020 | up 132.8% | volatile |
| 38 | Guatemala | 79.1% | 2020 | up 25.7% | rising |
| 39 | Oman | 78.6% | 2015 | down 19.3% | flat |
| 40 | Bosnia and Herzegovina | 78.4% | 2020 | up 79.5% | rising |
| 41 | Russia | 78.0% | 2020 | up 3.1% | falling |
| 42 | Zambia | 75.9% | 2020 | down 5.5% | flat |
| 43 | Kazakhstan | 75.6% | 2020 | up 17.6% | rising |
| 44 | Turkey | 74.9% | 2020 | down 10.6% | rising |
| 45 | Spain | 72.9% | 2020 | up 10.9% | volatile |
| 46 | Trinidad and Tobago | 72.9% | 2020 | up 118.4% | rising |
| 47 | Austria | 72.6% | 2020 | up 2.5% | falling |
| 48 | Yemen | 72.4% | 2014 | up 3.0% | rising |
| 49 | Poland | 71.5% | 2020 | down 1.3% | rising |
| 50 | Kenya | 71.4% | 2020 | up 623.7% | volatile |
| 51 | Bhutan | 70.4% | 2019 | down 0.1% | flat |
| 52 | Nepal | 70.2% | 2020 | — | flat |
| 53 | Hungary | 69.9% | 2020 | up 78.8% | rising |
| 54 | Indonesia | 68.3% | 2020 | up 19.4% | falling |
| 55 | Chad | 66.4% | 2020 | down 18.2% | falling |
| 56 | Philippines | 65.9% | 2020 | down 8.1% | rising |
| 57 | Netherlands | 65.5% | 2005 | down 29.6% | falling |
| 58 | Moldova | 65.5% | 2020 | up 55.9% | falling |
| 59 | Albania | 65.2% | 2020 | up 23.6% | rising |
| 60 | Morocco | 65.0% | 2014 | up 9.6% | rising |
| 61 | Slovakia | 64.7% | 2020 | up 15.4% | falling |
| 62 | Uzbekistan | 63.7% | 2020 | up 7.5% | rising |
| 63 | Romania | 63.3% | 2020 | down 22.0% | rising |
| 64 | Lesotho | 63.1% | 2020 | up 8.5% | volatile |
| 65 | Sweden | 63.0% | 2020 | up 33.7% | falling |
| 66 | Tajikistan | 62.7% | 2015 | up 125.4% | rising |
| 67 | Guinea | 62.0% | 2020 | down 0.9% | falling |
| 68 | Sri Lanka | 61.3% | 2020 | up 7.3% | rising |
| 69 | Botswana | 60.2% | 2020 | down 31.1% | falling |
| 70 | Mauritius | 60.0% | 2020 | up 24.5% | rising |
| 71 | Uruguay | 59.8% | 2020 | up 19.9% | rising |
| 72 | Madagascar | 59.4% | 2020 | down 0.7% | falling |
| 73 | United Arab Emirates | 58.7% | 2020 | down 10.0% | falling |
| 74 | Hong Kong | 58.3% | 2009 | down 13.0% | flat |
| 75 | Iceland | 58.3% | 2020 | down 17.8% | falling |
| 76 | India | 58.3% | 2020 | up 2.7% | falling |
| 77 | Senegal | 57.9% | 2015 | down 23.2% | falling |
| 78 | United States | 57.7% | 2009 | down 67.6% | falling |
| 79 | Sierra Leone | 57.4% | 2015 | up 62.6% | falling |
| 80 | Tunisia | 56.8% | 2015 | up 21.4% | rising |
| 81 | Portugal | 55.4% | 2020 | down 8.3% | falling |
| 82 | Ireland | 55.2% | 2020 | up 37.8% | falling |
| 83 | Solomon Islands | 55.1% | 2017 | up 232.8% | rising |
| 84 | Bahrain | 54.8% | 2015 | down 34.8% | falling |
| 85 | Lebanon | 54.2% | 2020 | down 15.2% | falling |
| 86 | Cambodia | 54.0% | 2020 | up 3.8% | flat |
| 87 | Thailand | 53.8% | 2020 | up 15.3% | falling |
| 88 | Kyrgyzstan | 53.4% | 2015 | up 4.1% | flat |
| 89 | Tanzania | 52.8% | 2020 | down 0.6% | flat |
| 90 | Mauritania | 52.5% | 2014 | — | rising |
| 91 | Vietnam | 52.5% | 2019 | up 17.2% | rising |
| 92 | Jordan | 52.0% | 2009 | up 16.3% | rising |
| 93 | Costa Rica | 51.6% | 2020 | up 9.0% | falling |
| 94 | Georgia | 51.4% | 2020 | down 23.5% | volatile |
| 95 | Eswatini | 51.4% | 2020 | up 31.4% | falling |
| 96 | Germany | 51.3% | 2007 | down 30.0% | falling |
| 97 | Italy | 51.1% | 2020 | up 26.9% | rising |
| 98 | Czechia | 50.4% | 2020 | up 5.2% | falling |
| 99 | Algeria | 50.1% | 2018 | down 23.4% | falling |
| 100 | Malta | 49.7% | 2020 | up 89.6% | rising |
| 101 | Brunei | 49.5% | 2020 | down 23.6% | falling |
| 102 | Bangladesh | 48.8% | 2020 | down 27.7% | falling |
| 103 | France | 48.7% | 2020 | down 23.4% | falling |
| 104 | Greece | 48.1% | 2020 | up 11.2% | rising |
| 105 | South Korea | 47.2% | 2020 | up 21.1% | volatile |
| 106 | Bulgaria | 46.0% | 2020 | down 25.0% | falling |
| 107 | Nigeria | 45.9% | 2016 | down 8.8% | flat |
| 108 | Macao | 45.1% | 2020 | down 51.2% | falling |
| 109 | Uganda | 45.0% | 2020 | down 30.7% | falling |
| 110 | Armenia | 44.9% | 2020 | up 99.0% | falling |
| 111 | Cyprus | 44.4% | 2020 | down 1.9% | falling |
| 112 | New Zealand | 43.6% | 2015 | up 59.7% | rising |
| 113 | South Africa | 43.4% | 2020 | up 33.2% | falling |
| 114 | Finland | 42.4% | 2020 | up 12.2% | falling |
| 115 | Congo | 42.4% | 2020 | down 59.8% | falling |
| 116 | Namibia | 41.2% | 2020 | down 14.3% | falling |
| 117 | Belgium | 41.1% | 2020 | down 15.8% | falling |
| 118 | Switzerland | 40.3% | 2020 | down 8.6% | falling |
| 119 | Latvia | 40.3% | 2020 | down 0.4% | falling |
| 120 | Singapore | 38.9% | 2019 | down 0.6% | falling |
| 121 | Malaysia | 38.7% | 2020 | up 21.1% | falling |
| 122 | Seychelles | 38.3% | 2020 | up 13.3% | falling |
| 123 | Grenada | 38.1% | 2014 | up 34.0% | rising |
| 124 | Kuwait | 38.0% | 2015 | down 21.0% | falling |
| 125 | Malawi | 35.1% | 2020 | down 8.9% | flat |
| 126 | Equatorial Guinea | 34.3% | 2019 | down 69.5% | volatile |
| 127 | United Kingdom | 33.9% | 2020 | down 4.6% | falling |
| 128 | Belarus | 33.5% | 2020 | down 5.0% | falling |
| 129 | Saint Vincent and the Grenadines | 32.9% | 2015 | up 3.6% | rising |
| 130 | Estonia | 32.6% | 2020 | down 27.5% | volatile |
| 131 | Fiji | 32.4% | 2020 | down 10.3% | falling |
| 132 | Tonga | 30.4% | 2020 | down 32.6% | falling |
| 133 | Denmark | 30.3% | 2020 | down 47.0% | falling |
| 134 | Luxembourg | 30.0% | 2020 | down 26.3% | falling |
| 135 | Canada | 29.4% | 2020 | up 15.4% | falling |
| 136 | Japan | 25.6% | 2009 | down 36.5% | rising |
| 137 | Israel | 24.3% | 2020 | up 48.4% | volatile |
| 138 | Vanuatu | 22.1% | 2018 | down 50.9% | falling |
| 139 | Australia | 18.1% | 2020 | down 24.2% | volatile |
| 140 | Azerbaijan | 0.9% | 2015 | up 15.0% | falling |
About this data
Provisions to nonperforming loans. Nonperforming Loans are loans for which the contractual payments are delinquent, usually defined as and NPL ratio being overdue for more than a certain number of days (e.g., usually more than 90 days). Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries.