Tonga Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Tonga's non-performing loans was 14.18% in 2025, ranked 12th globally. This represents a 26.8% increase from 2024. Data from World Bank, covering 2012–2025.
Overview
Tonga's non-performing loans stood at 14.18% in 2025, a rise of +2.99pp from 2023. Based on recent trends, this figure is projected to reach 14.18% by 2025. Tonga ranked 12th globally.
Tonga's non-performing loans have remained a persistent issue, with a relatively high ratio of 14.18% as of 2025, ranking 12th globally. Notably, this figure peaked in 2012 at 14.37%, coinciding with the global financial crisis, while the all-time trough was recorded in 2019 at 3.22%, indicating some improvement in loan management. A comparison with peer countries reveals that Sri Lanka's non-performing loans ratio is slightly higher at 14.33%, while Dominica's ratio is lower at 13.26%. The relatively high and stable non-performing loans ratio in Tonga suggests a persistent challenge for the country's financial sector. A continued improvement in loan management and credit risk assessment could help reduce this ratio and alleviate financial stability concerns. However, a further deterioration in the global economy or a decline in Tonga's economic growth could exacerbate the issue, necessitating more stringent credit policies and potentially hindering economic development.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 16.23% | - | - |
| 2025* trend | 14.18% | - | - |
| 2025 | 14.18% | +2.99pp | #12 |
| 2023 | 11.18% | +2.92pp | #91 |
| 2022 | 8.26% | +4.76pp | #109 |
| 2021 | 3.50% | −0.16pp | #65 |
| 2020 | 3.65% | +0.43pp | #60 |
| 2019 | 3.22% | −0.36pp | #62 |
| 2018 | 3.58% | −0.10pp | #70 |
| 2017 | 3.68% | −0.61pp | #67 |
| 2016 | 4.30% | −3.42pp | #65 |
| 2015 | 7.71% | −2.77pp | #91 |
| 2014 | 10.48% | −0.13pp | #97 |
| 2013 | 10.61% | −3.77pp | #98 |
| 2012 | 14.37% | – | #107 |
Detected Pattern
Analysis
Tonga matched the Fiscal Dominance Trap pattern in 2022. Historically, 72% of countries showing this pattern (278 out of 386) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Tonga's non-performing loans was 14.18% in 2025. Ranked 12th globally. This represents a 26.8% increase from the previous year.
Tonga's non-performing loans peaked at 14.37% in 2012.
The lowest non-performing loans in Tonga was 3.22% in 2019.
Tonga ranks 12th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Tonga's non-performing loans is projected to reach 14.18% by 2025 based on trend extrapolation.
The non-performing loans of Tonga in 2025 was 14.18%. This ranks 12th in the world.
Cite this page
@misc{historysaid_tonga_non-performing-loans,
title = {Tonga Non-Performing Loans},
url = {https://historysaid.com/tonga/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}