El Salvador Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
El Salvador's non-performing loans was 1.88% in 2025, ranked 80th globally. This represents a 5.7% increase from 2024. Data from World Bank, covering 2008–2025.
Overview
El Salvador's non-performing loans stood at 1.88% in 2025, a rise of +0.10pp from 2023. Based on recent trends, this figure is projected to reach 1.88% by 2025. El Salvador ranked 80th globally.
El Salvador’s non‑performing loan (NPL) ratio fell to 1.88 % in 2025, placing the country 80th in the world and just below Mexico’s 1.90 % and Kosovo’s 1.87 % levels. The downward trajectory follows a pronounced peak of 3.83 % in 2010, when the global financial crisis amplified credit risk across the region, and a historic trough of 1.57 % in 2020, reflecting tighter bank‑lending standards and a modest rebound in economic activity after the pandemic shock. Over the 17‑year span from 2008’s 2.74 % to 2025, the sustained decline suggests improving asset quality and more effective risk‑management frameworks within the Salvadoran banking sector. Nevertheless, the ratio remains marginally above Indonesia’s 1.84 % and Bolivia’s 2.00 %, indicating room for further consolidation. Continued fiscal discipline, deeper financial inclusion and resilience to external shocks will be crucial to keep the NPL trend on a downward path.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 1.91% | - | - |
| 2025* trend | 1.88% | - | - |
| 2025 | 1.88% | +0.10pp | #80 |
| 2023 | 1.77% | −0.03pp | #28 |
| 2022 | 1.80% | −0.03pp | #33 |
| 2021 | 1.83% | +0.26pp | #32 |
| 2020 | 1.57% | −0.15pp | #21 |
| 2019 | 1.72% | −0.13pp | #27 |
| 2018 | 1.85% | −0.05pp | #28 |
| 2017 | 1.89% | −0.07pp | #28 |
| 2016 | 1.97% | −0.29pp | #30 |
| 2015 | 2.25% | −0.05pp | #33 |
| 2014 | 2.31% | +0.02pp | #37 |
| 2013 | 2.29% | −0.53pp | #30 |
| 2012 | 2.83% | −0.62pp | #40 |
| 2011 | 3.45% | −0.38pp | #52 |
| 2010 | 3.83% | +0.23pp | #51 |
Detected Pattern
Analysis
El Salvador matched the Stagflation Risk pattern in 1989. Historically, 38% of countries showing this pattern (117 out of 307) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
El Salvador's non-performing loans was 1.88% in 2025. Ranked 80th globally. This represents a 5.7% increase from the previous year.
El Salvador's non-performing loans peaked at 3.83% in 2010.
The lowest non-performing loans in El Salvador was 1.57% in 2020.
El Salvador ranks 80th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
El Salvador's non-performing loans is projected to reach 1.88% by 2025 based on trend extrapolation.
The non-performing loans of El Salvador in 2025 was 1.88%. This ranks 80th in the world.
Cite this page
@misc{historysaid_el-salvador_non-performing-loans,
title = {El Salvador Non-Performing Loans},
url = {https://historysaid.com/el-salvador/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}