Ireland Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Ireland's non-performing loans was 0.04% in 2025, ranked 119th globally. This represents a 96.8% decrease from 2024. Data from World Bank, covering 2005–2025.
Overview
Ireland's non-performing loans stood at 0.04% in 2025, a decline of +1.23pp from 2023. Based on recent trends, this figure is projected to reach 0.04% by 2025. Ireland ranked 119th globally.
Ireland’s non‑performing loan (NPL) ratio has fallen dramatically over the past two decades, moving from a high of 22.37 % in 2013 – the all‑time peak – to just 0.04 % in 2025, the lowest level recorded globally and ranking 119th worldwide. This 22.33‑percentage‑point decline represents a reduction of more than 99.8 % and reflects the combined effects of stringent regulatory reforms, a robust post‑crisis recovery in the banking sector, and sustained credit‑quality monitoring. By contrast, peer countries such as Sweden report an NPL ratio of 0.20 % and Norway an even lower 0.01 %, underscoring Ireland’s position near the bottom of the distribution. The early‑2000s baseline of 0.48 % already indicated relatively sound loan portfolios, but the 2013 surge highlighted vulnerabilities that were subsequently addressed through capital injections and tightened underwriting standards. If current prudential policies remain in place and macro‑economic conditions stay stable, Ireland’s NPL ratio is likely to stay near the 2025 trough, with only marginal fluctuations expected.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | -0.55% | - | - |
| 2025* trend | 0.04% | - | - |
| 2025 | 0.04% | −1.23pp | #119 |
| 2023 | 1.27% | −0.34pp | #13 |
| 2022 | 1.61% | −0.87pp | #27 |
| 2021 | 2.48% | −0.88pp | #50 |
| 2020 | 3.36% | −0.00pp | #57 |
| 2019 | 3.36% | −2.09pp | #64 |
| 2018 | 5.46% | −6.00pp | #87 |
| 2017 | 11.46% | −1.17pp | #110 |
| 2016 | 12.63% | −4.29pp | #116 |
| 2015 | 16.91% | −3.74pp | #123 |
| 2014 | 20.65% | −1.72pp | #119 |
| 2013 | 22.37% | +1.06pp | #122 |
| 2012 | 21.31% | +5.19pp | #123 |
| 2011 | 16.12% | +3.65pp | #113 |
| 2010 | 12.47% | +2.67pp | #96 |
Detected Pattern
Analysis
Ireland 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
Ireland's non-performing loans was 0.04% in 2025. Ranked 119th globally. This represents a 96.8% decrease from the previous year.
Ireland's non-performing loans peaked at 22.37% in 2013.
The lowest non-performing loans in Ireland was 0.04% in 2025.
Ireland ranks 119th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Ireland's non-performing loans is projected to reach 0.04% by 2025 based on trend extrapolation.
The non-performing loans of Ireland in 2025 was 0.04%. This ranks 119th in the world.
Cite this page
@misc{historysaid_ireland_non-performing-loans,
title = {Ireland Non-Performing Loans},
url = {https://historysaid.com/ireland/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}