Chad Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Chad's non-performing loans was 32.19% in 2025, ranked 2nd globally. This represents a 2.1% increase from 2024. Data from World Bank, covering 2010–2025.
Overview
Chad's non-performing loans stood at 32.19% in 2025, a rise of +0.68pp from 2023. Based on recent trends, this figure is projected to reach 32.19% by 2025. Chad ranked 2nd globally.
Chad’s non‑performing loan ratio has risen sharply over the 15‑year series, climbing from 9.92% in 2010 to a peak of 32.19% in 2025, the second‑highest level worldwide. The trough occurred in 2012 at 7.37%, after which the ratio accelerated upward, reflecting persistent credit‑risk pressures in the banking sector and limited diversification of the loan portfolio. By 2025 the share of bad loans reached 32.19%, a stark contrast with peer economies such as Ukraine, where the non‑performing loan ratio stood at 27.56%, and Algeria at 26.75%, underscoring Chad’s relative vulnerability. The steep ascent suggests that deteriorating macro‑economic conditions, including exchange‑rate volatility and fiscal deficits, have strained borrowers’ repayment capacity. Unless structural reforms strengthen risk‑assessment frameworks, improve capital buffers, and promote alternative financing channels, the upward trajectory is likely to persist, keeping Chad’s non‑performing loan ratio among the world’s highest.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 33.28% | - | - |
| 2025* trend | 32.19% | - | - |
| 2025 | 32.19% | +0.68pp | #2 |
| 2023 | 31.51% | +3.81pp | #102 |
| 2022 | 27.70% | +1.63pp | #130 |
| 2021 | 26.07% | −1.65pp | #138 |
| 2020 | 27.72% | +1.69pp | #137 |
| 2019 | 26.03% | −5.04pp | #138 |
| 2018 | 31.07% | +3.16pp | #140 |
| 2017 | 27.91% | +5.02pp | #139 |
| 2016 | 22.89% | +4.13pp | #134 |
| 2015 | 18.76% | +7.03pp | #129 |
| 2014 | 11.74% | +1.96pp | #104 |
| 2013 | 9.78% | +2.40pp | #94 |
| 2012 | 7.37% | −0.27pp | #87 |
| 2011 | 7.65% | −2.27pp | #87 |
| 2010 | 9.92% | – | #86 |
Detected Pattern
Analysis
Chad matched the Export Boom Cycle pattern in 2022. 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
Chad's non-performing loans was 32.19% in 2025. Ranked 2nd globally. This represents a 2.1% increase from the previous year.
Chad's non-performing loans peaked at 32.19% in 2025.
The lowest non-performing loans in Chad was 7.37% in 2012.
Chad ranks 2nd globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Chad's non-performing loans is projected to reach 32.19% by 2025 based on trend extrapolation.
The non-performing loans of Chad in 2025 was 32.19%. This ranks 2nd in the world.
Cite this page
@misc{historysaid_chad_non-performing-loans,
title = {Chad Non-Performing Loans},
url = {https://historysaid.com/chad/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}