Rwanda Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Rwanda's non-performing loans was 3.18% in 2025, ranked 59th globally. This represents a 2.6% decrease from 2024. Data from World Bank, covering 2008–2025.
Overview
Rwanda's non-performing loans stood at 3.18% in 2025, a decline of +0.08pp from 2022. Based on recent trends, this figure is projected to reach 3.18% by 2025. Rwanda ranked 59th globally.
Rwanda's non-performing loans have shown a significant improvement over the years, with the latest figure standing at 3.18% in 2025, ranking 59th globally. This represents a notable decline from the all-time peak of 10.62% in 2008, indicating a substantial reduction in bad debt. The country's efforts to strengthen its financial sector and improve bank supervision have likely contributed to this trend. Rwanda's performance is comparable to that of its peer countries, with Paraguay registering a similar value of 3.21% in 2025. The downward trajectory of non-performing loans in Rwanda reflects a more stable financial environment, which could attract foreign investment and boost economic growth. However, a rise in interest rates or a downturn in the global economy could potentially alter this trajectory, posing a risk to Rwanda's continued progress in reducing bad debt.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | 3.18% | - | - |
| 2025 | 3.18% | −0.08pp | #59 |
| 2022 | 3.26% | −1.33pp | #66 |
| 2021 | 4.59% | +0.27pp | #79 |
| 2020 | 4.32% | +0.29pp | #75 |
| 2019 | 4.03% | −0.48pp | #73 |
| 2018 | 4.51% | −2.72pp | #79 |
| 2017 | 7.22% | +0.14pp | #89 |
| 2016 | 7.08% | +1.18pp | #85 |
| 2015 | 5.91% | +0.68pp | #76 |
| 2014 | 5.22% | −0.83pp | #72 |
| 2013 | 6.06% | −0.31pp | #79 |
| 2012 | 6.37% | +0.19pp | #81 |
| 2011 | 6.18% | −1.88pp | #80 |
| 2010 | 8.06% | −1.26pp | #79 |
| 2009 | 9.32% | −1.30pp | #67 |
Detected Pattern
Analysis
Rwanda matched the Orthodox Tightening Cycle pattern in 2023. 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
Rwanda's non-performing loans was 3.18% in 2025. Ranked 59th globally. This represents a 2.6% decrease from the previous year.
Rwanda's non-performing loans peaked at 10.62% in 2008.
The lowest non-performing loans in Rwanda was 3.18% in 2025.
Rwanda ranks 59th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Rwanda's non-performing loans is projected to reach 3.18% by 2025 based on trend extrapolation.
The non-performing loans of Rwanda in 2025 was 3.18%. This ranks 59th in the world.
Cite this page
@misc{historysaid_rwanda_non-performing-loans,
title = {Rwanda Non-Performing Loans},
url = {https://historysaid.com/rwanda/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}