Saudi Arabia Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Saudi Arabia's non-performing loans was 1.41% in 2025, ranked 90th globally. This represents a 6.8% decrease from 2024. Data from World Bank, covering 2009–2025.
Overview
Saudi Arabia's non-performing loans stood at 1.41% in 2025, a decline of +0.10pp from 2023. Based on recent trends, this figure is projected to reach 1.41% by 2025. Saudi Arabia ranked 90th globally.
Saudi Arabia's non-performing loans have demonstrated a relatively stable trajectory over the 16-year period from 2009 to 2025. Following an all-time peak of 3.29% in 2009, the country witnessed a downward trend until it reached an all-time trough of 1.08% in 2014. The indicator has since rebounded, reaching 1.41% in 2025, placing Saudi Arabia at #90 globally. This current percentage is comparable to that of Hong Kong SAR, China, which stood at 1.47% in 2025, a peer country with a similar ranking. The trend of non-performing loans in Saudi Arabia is characterized by a stabilization of the indicator following a decline from the peak in 2009. However, any significant increase in lending, particularly in the real estate and construction sectors, could potentially disrupt this stability and push the non-performing loans ratio upwards, necessitating a closer examination of lending practices and credit risk management in the country.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 1.30% | - | - |
| 2025* trend | 1.41% | - | - |
| 2025 | 1.41% | −0.10pp | #90 |
| 2023 | 1.51% | −0.29pp | #18 |
| 2022 | 1.80% | −0.07pp | #32 |
| 2021 | 1.87% | −0.34pp | #34 |
| 2020 | 2.21% | +0.35pp | #36 |
| 2019 | 1.86% | −0.09pp | #31 |
| 2018 | 1.95% | +0.34pp | #30 |
| 2017 | 1.61% | +0.23pp | #22 |
| 2016 | 1.38% | +0.15pp | #17 |
| 2015 | 1.24% | +0.16pp | #14 |
| 2014 | 1.08% | −0.23pp | #12 |
| 2013 | 1.31% | −0.36pp | #15 |
| 2012 | 1.67% | −0.55pp | #17 |
| 2011 | 2.22% | −0.74pp | #30 |
| 2010 | 2.97% | −0.32pp | #36 |
Detected Pattern
Analysis
Saudi Arabia matched the Export Boom Cycle pattern in 2012. 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
Saudi Arabia's non-performing loans was 1.41% in 2025. Ranked 90th globally. This represents a 6.8% decrease from the previous year.
Saudi Arabia's non-performing loans peaked at 3.29% in 2009.
The lowest non-performing loans in Saudi Arabia was 1.08% in 2014.
Saudi Arabia ranks 90th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Saudi Arabia's non-performing loans is projected to reach 1.41% by 2025 based on trend extrapolation.
The non-performing loans of Saudi Arabia in 2025 was 1.41%. This ranks 90th in the world.
Cite this page
@misc{historysaid_saudi-arabia_non-performing-loans,
title = {Saudi Arabia Non-Performing Loans},
url = {https://historysaid.com/saudi-arabia/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}