Cambodia Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Cambodia's non-performing loans was 5.82% in 2025, ranked 38th globally. This represents a 13.3% increase from 2024. Data from World Bank, covering 2010–2025.
Overview
Cambodia's non-performing loans stood at 5.82% in 2025, a rise of +0.68pp from 2023. Based on recent trends, this figure is projected to reach 5.82% by 2025. Cambodia ranked 38th globally.
Cambodia’s non‑performing loan (NPL) ratio has risen sharply over the 15‑year span, moving from 3.14% in 2010 to an all‑time peak of 5.82% in 2025, the highest level recorded since the series began and ranking the country 38th globally. The trough in 2019, when NPLs fell to 1.55%, marked a brief period of credit‑market resilience before a pronounced deterioration set in, coinciding with broader regional stress in emerging economies. Compared with peers of similar rank, Cambodia’s ratio is slightly lower than Samoa’s 5.93% and the Maldives’ 5.77%, but higher than the United Arab Emirates’ 5.57%, suggesting that regional banking sector vulnerabilities are shared but not uniform. The upward trajectory reflects tightening risk‑assessment standards and slower loan‑portfolio growth, while the 2019 dip underscores the sensitivity of the sector to macro‑economic shocks. Continued improvement in fiscal management and stronger supervisory frameworks could reverse the current trend and bring NPLs back toward the 2019 trough.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 6.62% | - | - |
| 2025* trend | 5.82% | - | - |
| 2025 | 5.82% | +0.68pp | #38 |
| 2023 | 5.13% | +2.42pp | #69 |
| 2022 | 2.71% | +0.97pp | #55 |
| 2021 | 1.74% | −0.07pp | #31 |
| 2020 | 1.82% | +0.26pp | #24 |
| 2019 | 1.55% | −0.44pp | #24 |
| 2018 | 1.99% | −0.08pp | #32 |
| 2017 | 2.07% | −0.06pp | #33 |
| 2016 | 2.13% | +0.54pp | #32 |
| 2015 | 1.59% | −0.03pp | #23 |
| 2014 | 1.62% | −0.68pp | #20 |
| 2013 | 2.30% | +0.08pp | #31 |
| 2012 | 2.22% | −0.07pp | #29 |
| 2011 | 2.29% | −0.85pp | #31 |
| 2010 | 3.14% | – | #42 |
Detected Pattern
Analysis
Cambodia matched the Export Boom Cycle pattern in 2024. 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
Cambodia's non-performing loans was 5.82% in 2025. Ranked 38th globally. This represents a 13.3% increase from the previous year.
Cambodia's non-performing loans peaked at 5.82% in 2025.
The lowest non-performing loans in Cambodia was 1.55% in 2019.
Cambodia ranks 38th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Cambodia's non-performing loans is projected to reach 5.82% by 2025 based on trend extrapolation.
The non-performing loans of Cambodia in 2025 was 5.82%. This ranks 38th in the world.
Cite this page
@misc{historysaid_cambodia_non-performing-loans,
title = {Cambodia Non-Performing Loans},
url = {https://historysaid.com/cambodia/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}