Mozambique Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Mozambique's non-performing loans was 8.21% in 2025, ranked 22nd globally. This represents a 8.5% decrease from 2024. Data from World Bank, covering 2013–2025.
Overview
Mozambique's non-performing loans stood at 8.21% in 2025, a decline of +0.76pp from 2022. Based on recent trends, this figure is projected to reach 8.21% by 2025. Mozambique ranked 22nd globally.
Mozambique’s non‑performing loan ratio has risen sharply from a trough of 2.66 % in 2013 to an all‑time peak of 12.64 % in 2017, before easing to 8.21 % in 2025, placing the country 22nd globally. The eight‑year climb reflects heightened credit risk amid fiscal stress and currency depreciation, while the modest recent decline suggests some stabilization of the banking sector’s asset quality. Mozambique’s 2025 figure remains higher than peer economies such as Curaçao (8.17 %) and Madagascar (8.13 %), indicating that the country’s loan portfolio is still more vulnerable than those of comparable small‑open economies. The downward movement after 2017 may be driven by tighter loan underwriting and reforms in supervisory practices, yet the ratio remains elevated relative to the 2013 trough. Continued improvement will likely depend on sustained macro‑economic stability, effective debt restructuring, and further strengthening of prudential regulations, which could keep the non‑performing loan share on a declining trajectory.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | 8.21% | - | - |
| 2025 | 8.21% | −0.76pp | #22 |
| 2022 | 8.97% | −1.64pp | #112 |
| 2021 | 10.60% | +0.78pp | #120 |
| 2020 | 9.83% | −0.33pp | #113 |
| 2019 | 10.16% | −0.96pp | #122 |
| 2018 | 11.12% | −1.52pp | #119 |
| 2017 | 12.64% | +6.91pp | #119 |
| 2016 | 5.73% | +1.42pp | #77 |
| 2015 | 4.31% | +1.06pp | #62 |
| 2014 | 3.24% | +0.58pp | #48 |
| 2013 | 2.66% | – | #37 |
Detected Pattern
Analysis
Mozambique matched the Orthodox Tightening Cycle pattern in 2017. Historically, 57% of countries showing this pattern (177 out of 311) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Mozambique's non-performing loans was 8.21% in 2025. Ranked 22nd globally. This represents a 8.5% decrease from the previous year.
Mozambique's non-performing loans peaked at 12.64% in 2017.
The lowest non-performing loans in Mozambique was 2.66% in 2013.
Mozambique ranks 22nd globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Mozambique's non-performing loans is projected to reach 8.21% by 2025 based on trend extrapolation.
The non-performing loans of Mozambique in 2025 was 8.21%. This ranks 22nd in the world.
Cite this page
@misc{historysaid_mozambique_non-performing-loans,
title = {Mozambique Non-Performing Loans},
url = {https://historysaid.com/mozambique/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}