Croatia Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Croatia's non-performing loans was 1.36% in 2025, ranked 93rd globally. This represents a 62.1% decrease from 2024. Data from World Bank, covering 2006–2025.
Overview
Croatia's non-performing loans stood at 1.36% in 2025, a decline of +2.23pp from 2023. Based on recent trends, this figure is projected to reach 1.36% by 2025. Croatia ranked 93rd globally.
Croatia’s non‑performing loan (NPL) ratio has fallen dramatically over the 19‑year span from 5.34 % in 2006 to a trough of 1.36 % in 2025, the lowest level recorded in the series and placing the country 93rd globally. The sharpest deterioration occurred in 2014, when the ratio peaked at 18.43 %, reflecting the stress on the banking sector during the euro‑area sovereign debt crisis and a slowdown in domestic credit growth. Since then, a combination of tighter prudential supervision, improved loan‑loss provisioning and a gradual recovery in economic activity has driven a steady decline, bringing Croatia’s NPL level close to that of peers such as Poland (1.33 %) and the Netherlands (1.39 %). The continued reduction in problem loans suggests a resilient banking system, but further improvement will depend on sustaining credit growth without excessive risk‑taking and on maintaining macro‑economic stability.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 0.27% | - | - |
| 2025* trend | 1.36% | - | - |
| 2025 | 1.36% | −2.23pp | #93 |
| 2023 | 3.60% | −0.73pp | #57 |
| 2022 | 4.33% | −1.37pp | #78 |
| 2021 | 5.70% | −1.93pp | #89 |
| 2020 | 7.63% | +0.22pp | #101 |
| 2019 | 7.41% | −3.00pp | #101 |
| 2018 | 10.41% | −1.72pp | #116 |
| 2017 | 12.14% | −2.90pp | #114 |
| 2016 | 15.04% | −3.13pp | #125 |
| 2015 | 18.17% | −0.26pp | #127 |
| 2014 | 18.43% | +1.67pp | #113 |
| 2013 | 16.76% | +2.19pp | #111 |
| 2012 | 14.56% | +1.63pp | #109 |
| 2011 | 12.93% | +1.34pp | #103 |
| 2010 | 11.59% | +3.67pp | #92 |
Detected Pattern
Analysis
Croatia matched the Export Boom Cycle pattern in 2021. 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
Croatia's non-performing loans was 1.36% in 2025. Ranked 93rd globally. This represents a 62.1% decrease from the previous year.
Croatia's non-performing loans peaked at 18.43% in 2014.
The lowest non-performing loans in Croatia was 1.36% in 2025.
Croatia ranks 93rd globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Croatia's non-performing loans is projected to reach 1.36% by 2025 based on trend extrapolation.
The non-performing loans of Croatia in 2025 was 1.36%. This ranks 93rd in the world.
Cite this page
@misc{historysaid_croatia_non-performing-loans,
title = {Croatia Non-Performing Loans},
url = {https://historysaid.com/croatia/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}