Italy Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Italy's non-performing loans was -2.16% in 2025, ranked 129th globally. This represents a 177.3% decrease from 2024. Data from World Bank, covering 2005–2025.
Overview
Italy's non-performing loans stood at -2.16% in 2025, a decline of +4.96pp from 2022. Based on recent trends, this figure is projected to reach -2.16% by 2025. Italy ranked 129th globally.
Italy’s non‑performing loan (NPL) ratio has moved from a high of 18.06 % in 2015 to a negative reading of –2.16 % in 2025, the lowest level among 129 economies tracked by the World Bank. The 19‑year span shows a dramatic reversal of credit stress that began after the Eurozone sovereign‑debt crisis, when NPLs peaked amid bank balance‑sheet impairments. By contrast, Greece’s NPL ratio remains substantially higher at –15.77 %, underscoring the depth of Italy’s recent improvement. The latest figure of –2.16 % places Italy at rank 129 globally, reflecting aggressive loan‑loss provisioning, stricter underwriting standards, and supportive regulatory measures that have accelerated asset quality recovery. Continued fiscal consolidation and a stable macroeconomic environment could sustain the downward trajectory, while any resurgence of economic slowdown or banking sector distress would risk halting the progress.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | -2.16% | - | - |
| 2025 | -2.16% | −4.96pp | #129 |
| 2022 | 2.80% | −0.55pp | #57 |
| 2021 | 3.35% | −1.01pp | #63 |
| 2020 | 4.36% | −2.39pp | #76 |
| 2019 | 6.75% | −1.64pp | #99 |
| 2018 | 8.39% | −6.00pp | #104 |
| 2017 | 14.38% | −2.73pp | #124 |
| 2016 | 17.12% | −0.95pp | #129 |
| 2015 | 18.06% | +0.03pp | #126 |
| 2014 | 18.03% | +1.49pp | #112 |
| 2013 | 16.54% | +2.80pp | #110 |
| 2012 | 13.75% | +2.00pp | #105 |
| 2011 | 11.74% | +1.71pp | #97 |
| 2010 | 10.03% | +0.58pp | #88 |
| 2009 | 9.45% | +3.16pp | #68 |
Detected Pattern
Analysis
Italy matched the Export Boom Cycle pattern in 1986. 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
Italy's non-performing loans was -2.16% in 2025. Ranked 129th globally. This represents a 177.3% decrease from the previous year.
Italy's non-performing loans peaked at 18.06% in 2015.
The lowest non-performing loans in Italy was -2.16% in 2025.
Italy ranks 129th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Italy's non-performing loans is projected to reach -2.16% by 2025 based on trend extrapolation.
The non-performing loans of Italy in 2025 was -2.16%. This ranks 129th in the world.
Cite this page
@misc{historysaid_italy_non-performing-loans,
title = {Italy Non-Performing Loans},
url = {https://historysaid.com/italy/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}