Congo, Democratic Republic of Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Congo, Democratic Republic of's non-performing loans was 7.22% in 2025, ranked 27th globally. This represents a 10.0% increase from 2024. Data from World Bank, covering 2018–2025.
Overview
Congo, Democratic Republic of's non-performing loans stood at 7.22% in 2025, a rise of +0.65pp from 2023. Based on recent trends, this figure is projected to reach 7.22% by 2025. Congo, Democratic Republic of ranked 27th globally.
The Democratic Republic of Congo's non-performing loans (NPLs) have experienced fluctuations since 2018, ranging from a low of 5.20% in 2021 to a high of 7.70% in 2020. As of 2025, NPLs constitute 7.22% of the country's total outstanding loans, ranking 27th globally. This rate is comparable to that of Montenegro, which has maintained a relatively stable NPL ratio of around 6.7% since 2018. The DRC's NPL ratio has thus far avoided surpassing its peak in 2020, but the trend remains a concern for the country's financial sector. A significant improvement in credit management practices and a strengthening of the banking regulatory framework could potentially alter the trajectory of NPLs in the DRC, which has been steadily increasing since 2018.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 7.40% | - | - |
| 2025* trend | 7.22% | - | - |
| 2025 | 7.22% | +0.65pp | #27 |
| 2023 | 6.56% | −0.87pp | #80 |
| 2022 | 7.43% | +2.23pp | #103 |
| 2021 | 5.20% | −2.49pp | #84 |
| 2020 | 7.70% | +2.19pp | #103 |
| 2019 | 5.51% | −0.98pp | #90 |
| 2018 | 6.49% | – | #93 |
Detected Pattern
Analysis
Congo, Democratic Republic of matched the Orthodox Tightening Cycle pattern in 2018. Historically, 57% of countries showing this pattern (177 out of 311) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Congo, Democratic Republic of's non-performing loans was 7.22% in 2025. Ranked 27th globally. This represents a 10.0% increase from the previous year.
Congo, Democratic Republic of's non-performing loans peaked at 7.70% in 2020.
The lowest non-performing loans in Congo, Democratic Republic of was 5.20% in 2021.
Congo, Democratic Republic of ranks 27th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Congo, Democratic Republic of's non-performing loans is projected to reach 7.22% by 2025 based on trend extrapolation.
The non-performing loans of Congo, Democratic Republic of in 2025 was 7.22%. This ranks 27th in the world.
Cite this page
@misc{historysaid_congo-democratic-republic-of_non-performing-loans,
title = {Congo, Democratic Republic of Non-Performing Loans},
url = {https://historysaid.com/congo-democratic-republic-of/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}