Kuwait Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Kuwait's non-performing loans was 1.07% in 2025, ranked 100th globally. This represents a 24.5% decrease from 2024. Data from World Bank, covering 2007–2025.
Overview
Kuwait's non-performing loans stood at 1.07% in 2025, a decline of +0.35pp from 2023. Based on recent trends, this figure is projected to reach 1.07% by 2025. Kuwait ranked 100th globally.
Kuwait’s non‑performing loan (NPL) ratio has fallen dramatically over the 18‑year series, declining from a high of 11.46 % in 2009 to a trough of 1.07 % in 2025, the lowest level among the 100 economies tracked by the World Bank. The early‑2000s surge reflected regional credit‑expansion and oil‑price volatility, but tighter banking supervision and improved asset‑quality monitoring have driven the sustained contraction. In 2025 Kuwait’s NPL rate of 1.07 % places it just above Zambia’s 0.95 % and marginally below Czechia’s 1.02 %, indicating a competitive standing among peers with similar rankings. The earliest observation in 2007 showed a ratio of 3.85 %, underscoring the depth of the subsequent decline. Continued fiscal consolidation, diversification away from oil‑dependent lending, and the adoption of advanced risk‑management frameworks are likely to keep the ratio low, although a sharp external shock to oil revenues could reverse the downward trajectory.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 0.94% | - | - |
| 2025* trend | 1.07% | - | - |
| 2025 | 1.07% | −0.35pp | #100 |
| 2023 | 1.42% | +0.01pp | #15 |
| 2022 | 1.41% | +0.05pp | #21 |
| 2021 | 1.36% | −0.65pp | #22 |
| 2020 | 2.01% | +0.23pp | #31 |
| 2019 | 1.78% | +0.15pp | #29 |
| 2018 | 1.62% | −0.33pp | #23 |
| 2017 | 1.95% | −0.28pp | #31 |
| 2016 | 2.22% | −0.15pp | #36 |
| 2015 | 2.37% | −0.52pp | #35 |
| 2014 | 2.89% | −0.75pp | #42 |
| 2013 | 3.64% | −1.55pp | #55 |
| 2012 | 5.19% | −1.79pp | #70 |
| 2011 | 6.98% | −1.97pp | #84 |
| 2010 | 8.95% | −2.51pp | #82 |
Detected Pattern
Analysis
Kuwait matched the Export Boom Cycle pattern in 2012. 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
Kuwait's non-performing loans was 1.07% in 2025. Ranked 100th globally. This represents a 24.5% decrease from the previous year.
Kuwait's non-performing loans peaked at 11.46% in 2009.
The lowest non-performing loans in Kuwait was 1.07% in 2025.
Kuwait ranks 100th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Kuwait's non-performing loans is projected to reach 1.07% by 2025 based on trend extrapolation.
The non-performing loans of Kuwait in 2025 was 1.07%. This ranks 100th in the world.
Cite this page
@misc{historysaid_kuwait_non-performing-loans,
title = {Kuwait Non-Performing Loans},
url = {https://historysaid.com/kuwait/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}