Gambia, The Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Gambia, The's non-performing loans was 6.47% in 2025, ranked 31st globally. This represents a 42.1% increase from 2024. Data from World Bank, covering 2005–2025.
Overview
Gambia, The's non-performing loans stood at 6.47% in 2025, a rise of +1.92pp from 2022. Based on recent trends, this figure is projected to reach 6.47% by 2025. Gambia, The ranked 31st globally.
Gambia’s non‑performing loan (NPL) ratio has fallen sharply from an early‑period level of 12.57 % in 2005 to 6.47 % in 2025, placing the country 31st globally. The steepest deterioration occurred in 2013 when the ratio peaked at 19.07 %, reflecting heightened credit risk during a period of fiscal strain, but a pronounced recovery followed, reaching a trough of 3.15 % in 2018 as banks tightened underwriting standards and the macro‑environment stabilized. By 2025 the NPL share remains close to peers such as Jordan (6.63 %) and Barbados (6.42 %), suggesting that Gambia’s banking sector has aligned with regional risk profiles after a decade of volatility. The sustained decline over the 19‑year coverage horizon indicates improving asset quality, yet future shifts in global interest rates or domestic fiscal pressures could alter this trajectory, making continued prudential supervision essential to preserve the downward trend.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | 6.47% | - | - |
| 2025 | 6.47% | +1.92pp | #31 |
| 2022 | 4.56% | −0.59pp | #81 |
| 2021 | 5.15% | −1.29pp | #82 |
| 2020 | 6.44% | +1.89pp | #92 |
| 2019 | 4.55% | +1.39pp | #76 |
| 2018 | 3.15% | −4.18pp | #61 |
| 2017 | 7.34% | −1.99pp | #90 |
| 2016 | 9.32% | +2.84pp | #99 |
| 2015 | 6.49% | −0.74pp | #80 |
| 2014 | 7.22% | −11.85pp | #84 |
| 2013 | 19.07% | +7.03pp | #116 |
| 2012 | 12.04% | −0.11pp | #102 |
| 2011 | 12.15% | −2.37pp | #102 |
| 2010 | 14.52% | +2.21pp | #101 |
| 2009 | 12.31% | −1.37pp | #72 |
Detected Pattern
Analysis
Gambia, The matched the Orthodox Tightening Cycle pattern in 2023. 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
Gambia, The's non-performing loans was 6.47% in 2025. Ranked 31st globally. This represents a 42.1% increase from the previous year.
Gambia, The's non-performing loans peaked at 19.07% in 2013.
The lowest non-performing loans in Gambia, The was 3.15% in 2018.
Gambia, The ranks 31st globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Gambia, The's non-performing loans is projected to reach 6.47% by 2025 based on trend extrapolation.
The non-performing loans of Gambia, The in 2025 was 6.47%. This ranks 31st in the world.
Cite this page
@misc{historysaid_gambia-the_non-performing-loans,
title = {Gambia, The Non-Performing Loans},
url = {https://historysaid.com/gambia-the/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}