Non-Performing Loans - Ranking 2000
In 2000, Bosnia and Herzegovina (21.22%) ranked highest in non-performing loans among all countries. Bosnia and Herzegovina ranked lowest at 21.22%.
Data & analysis
- Equatorial Guinea — 35.52
- Chad — 32.19
- Ukraine — 27.56
- Algeria — 26.75
- Ghana — 21.15
The 2025 World Bank data on non-performing loans (NPLs) reveals a stark divide between economies burdened by financial fragility and those with exceptionally low default rates. At the top, Equatorial Guinea (35.52%) and Chad (32.19%) share exposure to volatile commodity revenues and weak institutional frameworks, where economic shocks rapidly translate into loan defaults. Ukraine (27.56%) and Algeria (26.75%) similarly reflect conflict-related disruption and state-dominated banking sectors. These four nations, alongside Ghana (21.15%), illustrate how political instability, resource dependence, and regulatory gaps concentrate credit risk. At the bottom, Greece (-15.77%) and Italy (-2.16%) report negative NPL ratios, a statistical anomaly likely stemming from aggressive loan write-offs, securitization, or state-backed cleanups following the eurozone debt crisis. Djibouti (-6.76%) may reflect a small, aid-supported banking system with minimal lending. This bottom group’s structural advantage lies in post-crisis balance sheet repair. A sustained commodity price downturn or renewed geopolitical instability could reshuffle the top, while tighter provisioning rules might normalize the negative outliers.
| Rank | Country | Value | YoY % |
|---|---|---|---|