Switzerland Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Switzerland's non-performing loans was 0.83% in 2025, ranked 104th globally. This represents a 0.8% increase from 2024. Data from World Bank, covering 2005–2025.
Overview
Switzerland's non-performing loans stood at 0.83% in 2025, a rise of +0.01pp from 2023. Based on recent trends, this figure is projected to reach 0.83% by 2025. Switzerland ranked 104th globally.
Switzerland’s non‑performing loan (NPL) ratio fell to 0.83 % in 2025, placing the country 104th in the global ranking and signalling a modest rise from the 2017 trough of 0.64 % while remaining well below the 2005 peak of 1.23 % that marked the highest level in the 20‑year series. The post‑crisis decline to the 2017 low reflected tightened credit standards and resilient banking profitability, yet the subsequent uptick to 2025 suggests a gradual re‑accumulation of risk as loan growth resumed and interest rates rose. Compared with peers of similar rank, the United Kingdom recorded an NPL ratio of 0.93 % and Denmark 0.73 % in the same year, indicating that Switzerland’s credit quality remains comparatively sound though marginally higher than Denmark’s. Continued macro‑economic stability and prudent provisioning are likely to keep the ratio near the current level, but a sharp slowdown in growth or a deterioration in borrower earnings could reverse the downward trajectory.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 0.86% | - | - |
| 2025* trend | 0.83% | - | - |
| 2025 | 0.83% | +0.01pp | #104 |
| 2023 | 0.83% | +0.14pp | #4 |
| 2022 | 0.69% | +0.02pp | #6 |
| 2021 | 0.66% | −0.09pp | #8 |
| 2020 | 0.75% | +0.11pp | #7 |
| 2019 | 0.64% | −0.02pp | #8 |
| 2018 | 0.67% | +0.02pp | #8 |
| 2017 | 0.64% | −0.09pp | #6 |
| 2016 | 0.73% | −0.01pp | #5 |
| 2015 | 0.74% | +0.03pp | #7 |
| 2014 | 0.70% | −0.05pp | #7 |
| 2013 | 0.75% | −0.01pp | #9 |
| 2012 | 0.76% | −0.03pp | #8 |
| 2011 | 0.80% | −0.05pp | #8 |
| 2010 | 0.84% | −0.17pp | #7 |
Detected Pattern
Analysis
Switzerland matched the Export Boom Cycle pattern in 2016. 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
Switzerland's non-performing loans was 0.83% in 2025. Ranked 104th globally. This represents a 0.8% increase from the previous year.
Switzerland's non-performing loans peaked at 1.23% in 2005.
The lowest non-performing loans in Switzerland was 0.64% in 2017.
Switzerland ranks 104th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Switzerland's non-performing loans is projected to reach 0.83% by 2025 based on trend extrapolation.
The non-performing loans of Switzerland in 2025 was 0.83%. This ranks 104th in the world.
Cite this page
@misc{historysaid_switzerland_non-performing-loans,
title = {Switzerland Non-Performing Loans},
url = {https://historysaid.com/switzerland/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}