Trinidad and Tobago Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Trinidad and Tobago's non-performing loans was 2.92% in 2025, ranked 65th globally. This represents a 4.3% increase from 2024. Data from World Bank, covering 2008–2025.
Overview
Trinidad and Tobago's non-performing loans stood at 2.92% in 2025, a rise of +0.12pp from 2023. Based on recent trends, this figure is projected to reach 2.92% by 2025. Trinidad and Tobago ranked 65th globally.
Trinidad and Tobago’s non‑performing loan (NPL) ratio stood at 2.92 % in 2025, placing the nation 65th worldwide and just below peers such as Colombia (2.94 %) and Brazil (2.88 %). The ratio has risen modestly from its earliest recorded level of 2.44 % in 2008, the all‑time trough, yet remains far below the 6.19 % peak reached in 2011 during the global financial stress that strained credit markets. Over the 17‑year coverage period, the gradual upward drift reflects a combination of tighter lending standards and a modest expansion of the banking sector’s loan book, while the post‑peak decline suggests improved asset quality and more effective risk management. Compared with regional counterparts, Trinidad and Tobago’s NPL level is relatively contained, indicating resilience in its financial system. Continued vigilance in credit monitoring and diversification of loan portfolios will be crucial to prevent a reversal of the recent downward trajectory and to sustain the modest improvement in loan performance.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 2.88% | - | - |
| 2025* trend | 2.92% | - | - |
| 2025 | 2.92% | +0.12pp | #65 |
| 2023 | 2.80% | −0.30pp | #45 |
| 2022 | 3.09% | −0.14pp | #63 |
| 2021 | 3.23% | +0.03pp | #61 |
| 2020 | 3.20% | +0.29pp | #52 |
| 2019 | 2.90% | −0.14pp | #53 |
| 2018 | 3.04% | +0.17pp | #55 |
| 2017 | 2.87% | −0.25pp | #54 |
| 2016 | 3.12% | −0.28pp | #54 |
| 2015 | 3.41% | −0.65pp | #53 |
| 2014 | 4.06% | −0.12pp | #59 |
| 2013 | 4.18% | −1.14pp | #61 |
| 2012 | 5.32% | −0.86pp | #71 |
| 2011 | 6.19% | +0.10pp | #81 |
| 2010 | 6.09% | +1.21pp | #74 |
Detected Pattern
Analysis
Trinidad and Tobago matched the Export Boom Cycle pattern in 2014. 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
Trinidad and Tobago's non-performing loans was 2.92% in 2025. Ranked 65th globally. This represents a 4.3% increase from the previous year.
Trinidad and Tobago's non-performing loans peaked at 6.19% in 2011.
The lowest non-performing loans in Trinidad and Tobago was 2.44% in 2008.
Trinidad and Tobago ranks 65th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Trinidad and Tobago's non-performing loans is projected to reach 2.92% by 2025 based on trend extrapolation.
The non-performing loans of Trinidad and Tobago in 2025 was 2.92%. This ranks 65th in the world.
Cite this page
@misc{historysaid_trinidad-and-tobago_non-performing-loans,
title = {Trinidad and Tobago Non-Performing Loans},
url = {https://historysaid.com/trinidad-and-tobago/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}