Botswana Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Botswana's non-performing loans was 3.03% in 2025, ranked 60th globally. This represents a 17.4% decrease from 2024. Data from World Bank, covering 2012–2025.
Overview
Botswana's non-performing loans stood at 3.03% in 2025, a decline of +0.64pp from 2023. Based on recent trends, this figure is projected to reach 3.03% by 2025. Botswana ranked 60th globally.
Botswana’s non‑performing loan ratio has risen modestly since the earliest observation in 2012, when it stood at 2.62%, the series’ all‑time trough, to 3.03% in 2025, placing the country 60th globally. The indicator peaked in 2018 at 5.43%, reflecting a temporary deterioration that was subsequently reversed through tighter credit monitoring and improved banking sector resilience. Over the 13‑year coverage period the ratio has remained below the peer average of Rwanda’s 3.18% and closely aligns with Spain’s 3.02%, suggesting that Botswana’s banking system is managing credit risk at a level comparable to both emerging and developed economies. The gradual upward movement from the trough to the current level indicates a steady, albeit limited, increase in loan stress, which could be amplified by external shocks such as commodity price volatility or domestic fiscal tightening. Continued prudential supervision and diversification of the loan portfolio will be crucial to contain further escalation of non‑performing loans.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 2.75% | - | - |
| 2025* trend | 3.03% | - | - |
| 2025 | 3.03% | −0.64pp | #60 |
| 2023 | 3.67% | −0.08pp | #59 |
| 2022 | 3.75% | −0.49pp | #72 |
| 2021 | 4.24% | −0.08pp | #75 |
| 2020 | 4.32% | −0.46pp | #74 |
| 2019 | 4.79% | −0.64pp | #82 |
| 2018 | 5.43% | +0.15pp | #86 |
| 2017 | 5.28% | +0.42pp | #76 |
| 2016 | 4.85% | +1.12pp | #72 |
| 2015 | 3.73% | +0.18pp | #55 |
| 2014 | 3.55% | −0.06pp | #53 |
| 2013 | 3.61% | +0.99pp | #54 |
| 2012 | 2.62% | – | #35 |
Detected Pattern
Analysis
Botswana matched the Export Boom Cycle pattern in 2023. Historically, 71% of countries showing this pattern (546 out of 768) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Botswana's non-performing loans was 3.03% in 2025. Ranked 60th globally. This represents a 17.4% decrease from the previous year.
Botswana's non-performing loans peaked at 5.43% in 2018.
The lowest non-performing loans in Botswana was 2.62% in 2012.
Botswana ranks 60th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Botswana's non-performing loans is projected to reach 3.03% by 2025 based on trend extrapolation.
The non-performing loans of Botswana in 2025 was 3.03%. This ranks 60th in the world.
Cite this page
@misc{historysaid_botswana_non-performing-loans,
title = {Botswana Non-Performing Loans},
url = {https://historysaid.com/botswana/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}