Djibouti Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Djibouti's non-performing loans was -6.76% in 2025, ranked 130th globally. This represents a 256.8% decrease from 2024. Data from World Bank, covering 2012–2025.
Overview
Djibouti's non-performing loans stood at -6.76% in 2025, a decline of +11.07pp from 2022. Based on recent trends, this figure is projected to reach -6.76% by 2025. Djibouti ranked 130th globally.
Djibouti’s non‑performing loan (NPL) ratio has moved from a high of 22.47% in 2016 to a negative reading of –6.76% in 2025, the lowest figure among the 130 economies tracked by the World Bank and a stark reversal of the 11.53% recorded in 2012. The swing reflects aggressive credit‑risk mitigation, tighter lending standards and a modest expansion of the banking sector’s capital base over the 12‑year coverage period. Compared with peer Italy, whose NPL ratio stands at –2.16%, Djibouti’s current position is markedly better, while Greece’s –15.77% underscores the variability of post‑crisis recoveries in the region. The all‑time trough in 2025 suggests that the banking system is now absorbing shocks more effectively, but the negative rate also raises questions about the methodology used to classify loans as non‑performing. Continued improvement will depend on sustaining prudent underwriting practices and deepening financial inclusion, which could keep the NPL ratio on a downward trajectory.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | -6.76% | - | - |
| 2025 | -6.76% | −11.07pp | #130 |
| 2022 | 4.31% | −2.38pp | #76 |
| 2021 | 6.69% | −6.56pp | #99 |
| 2020 | 13.25% | −2.79pp | #123 |
| 2019 | 16.04% | −2.02pp | #130 |
| 2018 | 18.06% | +1.54pp | #132 |
| 2017 | 16.52% | −5.95pp | #129 |
| 2016 | 22.47% | +2.52pp | #133 |
| 2015 | 19.95% | +1.23pp | #131 |
| 2014 | 18.73% | +3.39pp | #116 |
| 2013 | 15.34% | +3.80pp | #108 |
| 2012 | 11.53% | – | #98 |
Detected Pattern
Analysis
Djibouti matched the Export Boom Cycle pattern in 2019. 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
Djibouti's non-performing loans was -6.76% in 2025. Ranked 130th globally. This represents a 256.8% decrease from the previous year.
Djibouti's non-performing loans peaked at 22.47% in 2016.
The lowest non-performing loans in Djibouti was -6.76% in 2025.
Djibouti ranks 130th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Djibouti's non-performing loans is projected to reach -6.76% by 2025 based on trend extrapolation.
The non-performing loans of Djibouti in 2025 was -6.76%. This ranks 130th in the world.
Cite this page
@misc{historysaid_djibouti_non-performing-loans,
title = {Djibouti Non-Performing Loans},
url = {https://historysaid.com/djibouti/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}