Bosnia and Herzegovina Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Bosnia and Herzegovina's non-performing loans was 2.02% in 2025, ranked 76th globally. This represents a 47.0% decrease from 2024. Data from World Bank, covering 2000–2025.
Overview
Bosnia and Herzegovina's non-performing loans stood at 2.02% in 2025, a decline of +1.79pp from 2023. Based on recent trends, this figure is projected to reach 2.02% by 2025. Bosnia and Herzegovina ranked 76th globally.
Bosnia and Herzegovina has made significant strides in reducing its non-performing loan ratio over the past quarter century, with the latest figure standing at 2.02% as of 2025. At its all-time peak in 2000, the country's non-performing loan ratio reached a high of 21.22%, indicating a substantial burden on the financial sector. In comparison, countries such as Brunei Darussalam and Argentina also exhibit non-performing loan ratios around 2%, suggesting a similar level of financial health. The downward trend is a positive development, reflecting improvements in credit management and risk assessment within the country's banking sector. A continued decline in the non-performing loan ratio would likely be driven by sustained economic growth, improved lending standards, and enhanced regulatory oversight. However, a potential economic downturn or a significant increase in interest rates could alter this trajectory, necessitating closer monitoring of the financial sector to prevent a resurgence in non-performing loans.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 1.15% | - | - |
| 2025* trend | 2.02% | - | - |
| 2025 | 2.02% | −1.79pp | #76 |
| 2023 | 3.82% | −0.72pp | #61 |
| 2022 | 4.54% | −1.24pp | #80 |
| 2021 | 5.78% | −0.34pp | #90 |
| 2020 | 6.12% | −1.29pp | #88 |
| 2019 | 7.41% | −1.36pp | #102 |
| 2018 | 8.77% | −1.28pp | #105 |
| 2017 | 10.05% | −1.73pp | #106 |
| 2016 | 11.78% | −1.93pp | #114 |
| 2015 | 13.71% | −0.46pp | #115 |
| 2014 | 14.17% | −0.95pp | #108 |
| 2013 | 15.12% | +1.65pp | #107 |
| 2012 | 13.47% | +1.67pp | #104 |
| 2011 | 11.80% | +0.38pp | #98 |
| 2010 | 11.42% | +5.55pp | #91 |
Detected Pattern
Analysis
Bosnia and Herzegovina matched the Fiscal Dominance Trap pattern in 2022. Historically, 72% of countries showing this pattern (278 out of 386) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Bosnia and Herzegovina's non-performing loans was 2.02% in 2025. Ranked 76th globally. This represents a 47.0% decrease from the previous year.
Bosnia and Herzegovina's non-performing loans peaked at 21.22% in 2000.
The lowest non-performing loans in Bosnia and Herzegovina was 2.02% in 2025.
Bosnia and Herzegovina ranks 76th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Bosnia and Herzegovina's non-performing loans is projected to reach 2.02% by 2025 based on trend extrapolation.
The non-performing loans of Bosnia and Herzegovina in 2025 was 2.02%. This ranks 76th in the world.
Cite this page
@misc{historysaid_bosnia-and-herzegovina_non-performing-loans,
title = {Bosnia and Herzegovina Non-Performing Loans},
url = {https://historysaid.com/bosnia-and-herzegovina/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}