Spain Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Spain's non-performing loans was 3.02% in 2025, ranked 61st globally. This represents a 1.4% decrease from 2024. Data from World Bank, covering 2012–2025.
Overview
Spain's non-performing loans stood at 3.02% in 2025, a decline of +0.04pp from 2023. Based on recent trends, this figure is projected to reach 3.02% by 2025. Spain ranked 61st globally.
Spain's non-performing loans have shown a declining trend over the 13-year coverage period, with the latest value standing at 3.02% in 2025, ranking 61st globally. This is significantly lower than its all-time peak of 7.12% in 2013, a year that marked a challenging period for the country's banking sector. In comparison to its peers, Spain's non-performing loans ratio is closely aligned with that of Botswana, which has a slightly higher ratio of 3.03%, and lower than Rwanda's 3.18%. The country's all-time trough of 2.85% was achieved in 2020, indicating a period of relative stability in the banking sector. As Spain's economy continues to evolve, a sustained decline in non-performing loans would likely require continued economic growth and prudent lending practices, and any significant changes in these factors could alter the trajectory of this trend.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 3.02% | - | - |
| 2025* trend | 3.02% | - | - |
| 2025 | 3.02% | −0.04pp | #61 |
| 2023 | 3.06% | +0.00pp | #49 |
| 2022 | 3.06% | +0.14pp | #62 |
| 2021 | 2.92% | +0.06pp | #54 |
| 2020 | 2.85% | −0.30pp | #48 |
| 2019 | 3.15% | −0.53pp | #60 |
| 2018 | 3.69% | −0.77pp | #73 |
| 2017 | 4.46% | −0.26pp | #74 |
| 2016 | 4.72% | −0.37pp | #69 |
| 2015 | 5.09% | −1.29pp | #70 |
| 2014 | 6.38% | −0.74pp | #78 |
| 2013 | 7.12% | +1.41pp | #87 |
| 2012 | 5.71% | – | #76 |
Detected Pattern
Analysis
Spain matched the Export Boom Cycle pattern in 2023. 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
Spain's non-performing loans was 3.02% in 2025. Ranked 61st globally. This represents a 1.4% decrease from the previous year.
Spain's non-performing loans peaked at 7.12% in 2013.
The lowest non-performing loans in Spain was 2.85% in 2020.
Spain ranks 61st globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Spain's non-performing loans is projected to reach 3.02% by 2025 based on trend extrapolation.
The non-performing loans of Spain in 2025 was 3.02%. This ranks 61st in the world.
Cite this page
@misc{historysaid_spain_non-performing-loans,
title = {Spain Non-Performing Loans},
url = {https://historysaid.com/spain/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}