Georgia Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Georgia's non-performing loans was 1.16% in 2025, ranked 98th globally. This represents a 22.0% decrease from 2024. Data from World Bank, covering 2003–2025.
Overview
Georgia's non-performing loans stood at 1.16% in 2025, a decline of +0.33pp from 2023. Based on recent trends, this figure is projected to reach 1.16% by 2025. Georgia ranked 98th globally.
Georgia's non-performing loan ratio stood at 1.16% in 2025, ranking the country 98th globally and placing it on par with Guatemala, which reported the same rate. This represents a significant improvement from the all-time peak of 6.26% recorded during the global financial crisis in 2009, reflecting enhanced banking sector resilience and regulatory oversight over the past decade and a half. The lowest level on record was observed in 2006, when non-performing loans dipped to 0.81%, indicating a brief period of exceptional credit quality before the subsequent economic turbulence. Over the 22-year coverage period from 2003 to 2025, the ratio has shown a general downward trajectory, declining from 2.34% in the initial measurement year. While Georgia’s current NPL rate remains below the global average and compares favorably with peers such as Romania at 1.11% and Finland at 1.20%, sustained economic stability and prudent lending practices will be critical to maintaining this progress. A sharp economic downturn or external shock could reverse the trend, pushing the ratio upward.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 0.99% | - | - |
| 2025* trend | 1.16% | - | - |
| 2025 | 1.16% | −0.33pp | #98 |
| 2023 | 1.48% | −0.03pp | #17 |
| 2022 | 1.51% | −0.36pp | #24 |
| 2021 | 1.88% | −0.39pp | #35 |
| 2020 | 2.27% | +0.34pp | #38 |
| 2019 | 1.93% | −0.75pp | #34 |
| 2018 | 2.68% | −0.10pp | #48 |
| 2017 | 2.78% | −0.67pp | #48 |
| 2016 | 3.45% | +0.74pp | #55 |
| 2015 | 2.71% | −0.32pp | #39 |
| 2014 | 3.03% | −0.00pp | #46 |
| 2013 | 3.03% | −0.65pp | #46 |
| 2012 | 3.68% | −0.85pp | #56 |
| 2011 | 4.53% | −1.39pp | #65 |
| 2010 | 5.92% | −0.34pp | #72 |
Analysis
Georgia's non-performing loans was 1.16% in 2025, a decline of −0.33pp from 2024. Based on trends, estimated 1.16% by 2025.
Frequently Asked Questions
Georgia's non-performing loans was 1.16% in 2025. Ranked 98th globally. This represents a 22.0% decrease from the previous year.
Georgia's non-performing loans peaked at 6.26% in 2009.
The lowest non-performing loans in Georgia was 0.81% in 2006.
Georgia ranks 98th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Georgia's non-performing loans is projected to reach 1.16% by 2025 based on trend extrapolation.
The non-performing loans of Georgia in 2025 was 1.16%. This ranks 98th in the world.
Cite this page
@misc{historysaid_georgia_non-performing-loans,
title = {Georgia Non-Performing Loans},
url = {https://historysaid.com/georgia/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}