Kosovo Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Kosovo's non-performing loans was 1.87% in 2025, ranked 81st globally. This represents a 3.4% decrease from 2024. Data from World Bank, covering 2010–2025.
Overview
Kosovo's non-performing loans stood at 1.87% in 2025, a decline of +0.07pp from 2023. Based on recent trends, this figure is projected to reach 1.87% by 2025. Kosovo ranked 81st globally.
Kosovo’s non‑performing loan (NPL) ratio has fallen sharply over the 15‑year span from 5.70 % in 2010 to a trough of 1.87 % in 2025, the lowest level recorded in the series and placing the country at 81st globally. The steepest decline followed the all‑time peak of 8.13 % in 2013, suggesting that banking sector reforms and improved credit risk management have been effective. Kosovo’s 2025 NPL ratio is closely aligned with peers such as El Salvador (1.88 %) and Indonesia (1.84 %), indicating that its financial stability is comparable to other emerging economies that have pursued similar consolidation measures. The continued reduction in distressed loans points to a healthier balance‑sheet environment, but future shifts in macro‑economic conditions, such as a slowdown in growth or external shocks, could alter the trajectory and test the resilience of the banking sector.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 1.81% | - | - |
| 2025* trend | 1.87% | - | - |
| 2025 | 1.87% | −0.07pp | #81 |
| 2023 | 1.93% | −0.00pp | #32 |
| 2022 | 1.94% | −0.20pp | #36 |
| 2021 | 2.13% | −0.34pp | #43 |
| 2020 | 2.47% | +0.54pp | #44 |
| 2019 | 1.93% | −0.64pp | #35 |
| 2018 | 2.57% | −0.37pp | #46 |
| 2017 | 2.93% | −1.73pp | #56 |
| 2016 | 4.66% | −1.17pp | #68 |
| 2015 | 5.83% | −2.12pp | #73 |
| 2014 | 7.96% | −0.18pp | #87 |
| 2013 | 8.13% | +0.97pp | #89 |
| 2012 | 7.16% | +1.56pp | #86 |
| 2011 | 5.60% | −0.10pp | #75 |
| 2010 | 5.70% | – | #69 |
Analysis
Kosovo's non-performing loans was 1.87% in 2025, a decline of −0.07pp from 2024. Based on trends, estimated 1.87% by 2025.
Frequently Asked Questions
Kosovo's non-performing loans was 1.87% in 2025. Ranked 81st globally. This represents a 3.4% decrease from the previous year.
Kosovo's non-performing loans peaked at 8.13% in 2013.
The lowest non-performing loans in Kosovo was 1.87% in 2025.
Kosovo ranks 81st globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Kosovo's non-performing loans is projected to reach 1.87% by 2025 based on trend extrapolation.
The non-performing loans of Kosovo in 2025 was 1.87%. This ranks 81st in the world.
Cite this page
@misc{historysaid_kosovo_non-performing-loans,
title = {Kosovo Non-Performing Loans},
url = {https://historysaid.com/kosovo/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}