Türkiye Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Türkiye's non-performing loans was -0.53% in 2025, ranked 122nd globally. This represents a 135.7% decrease from 2024. Data from World Bank, covering 2005–2025.
Overview
Türkiye's non-performing loans stood at -0.53% in 2025, a decline of +2.01pp from 2023. Based on recent trends, this figure is projected to reach -0.53% by 2025. Türkiye ranked 122nd globally.
Turkey’s non‑performing loan (NPL) ratio has fallen sharply over the past two decades, moving from 4.32 % in 2005 to a negative reading of –0.53 % in 2025, the lowest level among the 190 economies tracked by the World Bank and ranking 122nd globally. The indicator peaked at 5.02 % in 2019 before the rapid decline that culminated in the 2025 trough, suggesting that recent credit‑risk mitigation measures and tighter banking supervision have been effective. By contrast, peer economies such as Norway posted a modest 0.01 % NPL ratio and Kazakhstan recorded –0.69 % in the same year, illustrating that Turkey’s improvement aligns it with the lower‑risk end of the spectrum. The sustained downward trajectory may continue if monetary policy remains accommodative and banks preserve rigorous underwriting standards; however, any resurgence in inflation or external financing pressures could reverse the current gains.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | -1.43% | - | - |
| 2025* trend | -0.53% | - | - |
| 2025 | -0.53% | −2.01pp | #122 |
| 2023 | 1.48% | −0.50pp | #16 |
| 2022 | 1.98% | −1.00pp | #37 |
| 2021 | 2.98% | −0.91pp | #56 |
| 2020 | 3.89% | −1.13pp | #68 |
| 2019 | 5.02% | +1.34pp | #85 |
| 2018 | 3.69% | +0.84pp | #74 |
| 2017 | 2.84% | −0.27pp | #51 |
| 2016 | 3.11% | +0.12pp | #52 |
| 2015 | 2.99% | +0.25pp | #46 |
| 2014 | 2.74% | +0.11pp | #40 |
| 2013 | 2.64% | −0.11pp | #36 |
| 2012 | 2.74% | +0.17pp | #37 |
| 2011 | 2.58% | −0.91pp | #37 |
| 2010 | 3.49% | −1.48pp | #48 |
Detected Pattern
Analysis
Türkiye matched the Stagflation Risk pattern in 2020. Historically, 38% of countries showing this pattern (117 out of 307) saw non-performing loans improve within 24 months. View full analysis →
Frequently Asked Questions
Türkiye's non-performing loans was -0.53% in 2025. Ranked 122nd globally. This represents a 135.7% decrease from the previous year.
Türkiye's non-performing loans peaked at 5.02% in 2019.
The lowest non-performing loans in Türkiye was -0.53% in 2025.
Türkiye ranks 122nd globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Türkiye's non-performing loans is projected to reach -0.53% by 2025 based on trend extrapolation.
The non-performing loans of Türkiye in 2025 was -0.53%. This ranks 122nd in the world.
Cite this page
@misc{historysaid_turkiye_non-performing-loans,
title = {Türkiye Non-Performing Loans},
url = {https://historysaid.com/turkiye/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}