Kazakhstan Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Kazakhstan's non-performing loans was -0.69% in 2025, ranked 123rd globally. This represents a 123.8% decrease from 2024. Data from World Bank, covering 2008–2025.
Overview
Kazakhstan's non-performing loans stood at -0.69% in 2025, a decline of +3.58pp from 2023. Based on recent trends, this figure is projected to reach -0.69% by 2025. Kazakhstan ranked 123rd globally.
Kazakhstan’s non‑performing loan (NPL) ratio has fallen dramatically from an all‑time peak of 20.93 % in 2010 to a trough of –0.69 % in 2025, the lowest level recorded over the 17‑year series and ranking the country 123rd globally. The sharp decline follows a sustained credit‑quality improvement after the 2008‑09 global financial shock, with the ratio turning negative for the first time in the latest World Bank data. By contrast, peer economies such as Türkiye (–0.53 %) and Cyprus (–0.76 %) exhibit similarly low NPL rates, suggesting regional convergence toward healthier banking sectors. The negative reading implies that new loan disbursements now exceed write‑offs and recoveries, reflecting tighter risk management and robust macro‑economic fundamentals. Continued fiscal prudence, diversification away from commodity dependence, and vigilant supervisory oversight will be crucial to sustain the downward trajectory and prevent a reversal of the gains achieved since the 2010 peak.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | -2.09% | - | - |
| 2025* trend | -0.69% | - | - |
| 2025 | -0.69% | −3.58pp | #123 |
| 2023 | 2.89% | −0.47pp | #47 |
| 2022 | 3.36% | +0.04pp | #67 |
| 2021 | 3.32% | −3.55pp | #62 |
| 2020 | 6.87% | −1.27pp | #95 |
| 2019 | 8.14% | +0.76pp | #106 |
| 2018 | 7.39% | −1.92pp | #99 |
| 2017 | 9.31% | +2.59pp | #102 |
| 2016 | 6.72% | −1.23pp | #81 |
| 2015 | 7.95% | −4.44pp | #93 |
| 2014 | 12.39% | −7.08pp | #106 |
| 2013 | 19.47% | +0.08pp | #117 |
| 2012 | 19.39% | −1.28pp | #118 |
| 2011 | 20.67% | −0.27pp | #116 |
| 2010 | 20.93% | +2.01pp | #109 |
Detected Pattern
Analysis
Kazakhstan matched the Export Boom Cycle pattern in 2010. 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
Kazakhstan's non-performing loans was -0.69% in 2025. Ranked 123rd globally. This represents a 123.8% decrease from the previous year.
Kazakhstan's non-performing loans peaked at 20.93% in 2010.
The lowest non-performing loans in Kazakhstan was -0.69% in 2025.
Kazakhstan ranks 123rd globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Kazakhstan's non-performing loans is projected to reach -0.69% by 2025 based on trend extrapolation.
The non-performing loans of Kazakhstan in 2025 was -0.69%. This ranks 123rd in the world.
Cite this page
@misc{historysaid_kazakhstan_non-performing-loans,
title = {Kazakhstan Non-Performing Loans},
url = {https://historysaid.com/kazakhstan/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}