Montenegro Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Montenegro's non-performing loans was 6.71% in 2025, ranked 29th globally. This represents a 16.2% increase from 2024. Data from World Bank, covering 2006–2025.
Overview
Montenegro's non-performing loans stood at 6.71% in 2025, a rise of +0.93pp from 2023. Based on recent trends, this figure is projected to reach 6.71% by 2025. Montenegro ranked 29th globally.
Montenegro’s non‑performing loan ratio has risen sharply from the all‑time trough of 2.89 % in 2006 to an all‑time peak of 20.93 % in 2010, before retreating to 6.71 % in 2025, placing the country 29th globally. The post‑crisis surge in 2010 reflected a broader regional tightening of credit conditions, while the subsequent decline suggests modest improvement in banking sector resilience. Nevertheless, the 2025 figure remains higher than that of Jordan (6.63 %) and only slightly below Antigua and Barbuda’s 7.08 %, indicating that Montenegro’s loan quality still lags behind many peers. Over the 19‑year coverage period, the ratio has fluctuated considerably, underscoring the sensitivity of the financial system to macro‑economic shocks. Continued fiscal consolidation, stronger regulatory oversight, and a sustained recovery in domestic demand could further dampen non‑performing loans, steering the trend downward in the coming years.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 6.90% | - | - |
| 2025* trend | 6.71% | - | - |
| 2025 | 6.71% | +0.93pp | #29 |
| 2023 | 5.78% | −0.55pp | #75 |
| 2022 | 6.33% | −0.50pp | #96 |
| 2021 | 6.83% | +0.96pp | #102 |
| 2020 | 5.87% | +0.78pp | #86 |
| 2019 | 5.09% | −2.27pp | #87 |
| 2018 | 7.36% | −0.94pp | #98 |
| 2017 | 8.29% | −3.06pp | #97 |
| 2016 | 11.35% | −3.22pp | #112 |
| 2015 | 14.58% | −4.01pp | #116 |
| 2014 | 18.59% | −1.72pp | #114 |
| 2013 | 20.31% | +3.01pp | #119 |
| 2012 | 17.30% | +2.01pp | #114 |
| 2011 | 15.29% | −5.64pp | #111 |
| 2010 | 20.93% | +7.38pp | #108 |
Detected Pattern
Analysis
Montenegro matched the Fiscal Dominance Trap pattern in 2022. Historically, 72% of countries showing this pattern (278 out of 386) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Montenegro's non-performing loans was 6.71% in 2025. Ranked 29th globally. This represents a 16.2% increase from the previous year.
Montenegro's non-performing loans peaked at 20.93% in 2010.
The lowest non-performing loans in Montenegro was 2.89% in 2006.
Montenegro ranks 29th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Montenegro's non-performing loans is projected to reach 6.71% by 2025 based on trend extrapolation.
The non-performing loans of Montenegro in 2025 was 6.71%. This ranks 29th in the world.
Cite this page
@misc{historysaid_montenegro_non-performing-loans,
title = {Montenegro Non-Performing Loans},
url = {https://historysaid.com/montenegro/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}