Luxembourg Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Luxembourg's non-performing loans was 2.42% in 2025, ranked 69th globally. This represents a 29.8% increase from 2024. Data from World Bank, covering 2009–2025.
Overview
Luxembourg's non-performing loans stood at 2.42% in 2025, a rise of +0.55pp from 2023. Based on recent trends, this figure is projected to reach 2.42% by 2025. Luxembourg ranked 69th globally.
Luxembourg's non-performing loans have fluctuated over the past 14 years, with the latest figure standing at 2.42% as of 2025, ranking 69th globally. The country's all-time peak in non-performing loans was also recorded in 2025 at 2.42%, while the lowest point was reached in 2012 at 0.15%. This suggests a relatively stable trend in comparison to some of its peers, such as Bhutan, which has struggled with higher non-performing loans throughout the period. In contrast to Bulgaria, which had a similar non-performing loan ratio in 2025, Luxembourg's ratio has remained relatively low, indicating a more robust banking system. The country's low non-performing loans ratio is likely due to its strong economic fundamentals, including a highly developed financial sector and a stable macroeconomic environment. However, a significant increase in non-performing loans could be triggered by a decline in economic growth or an increase in household debt, which would require close monitoring by policymakers to mitigate potential risks.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 2.70% | - | - |
| 2025* trend | 2.42% | - | - |
| 2025 | 2.42% | +0.55pp | #69 |
| 2023 | 1.86% | +0.27pp | #30 |
| 2022 | 1.59% | +0.33pp | #26 |
| 2021 | 1.25% | +0.23pp | #19 |
| 2020 | 1.03% | +0.29pp | #11 |
| 2019 | 0.74% | −0.16pp | #9 |
| 2018 | 0.90% | +0.11pp | #10 |
| 2017 | 0.79% | −0.11pp | #9 |
| 2016 | 0.90% | +0.69pp | #9 |
| 2013 | 0.21% | +0.07pp | #4 |
| 2012 | 0.15% | −0.23pp | #1 |
| 2011 | 0.38% | +0.13pp | #3 |
| 2010 | 0.25% | −0.42pp | #1 |
| 2009 | 0.67% | – | #3 |
Detected Pattern
Analysis
Luxembourg 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
Luxembourg's non-performing loans was 2.42% in 2025. Ranked 69th globally. This represents a 29.8% increase from the previous year.
Luxembourg's non-performing loans peaked at 2.42% in 2025.
The lowest non-performing loans in Luxembourg was 0.15% in 2012.
Luxembourg ranks 69th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Luxembourg's non-performing loans is projected to reach 2.42% by 2025 based on trend extrapolation.
The non-performing loans of Luxembourg in 2025 was 2.42%. This ranks 69th in the world.
Cite this page
@misc{historysaid_luxembourg_non-performing-loans,
title = {Luxembourg Non-Performing Loans},
url = {https://historysaid.com/luxembourg/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}