United Kingdom Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
United Kingdom's non-performing loans was 0.93% in 2025, ranked 103rd globally. This represents a 4.7% decrease from 2024. Data from World Bank, covering 2005–2025.
Overview
United Kingdom's non-performing loans stood at 0.93% in 2025, a decline of +0.05pp from 2023. Based on recent trends, this figure is projected to reach 0.93% by 2025. United Kingdom ranked 103rd globally.
The United Kingdom’s non‑performing loan (NPL) ratio has fallen to 0.93 % in 2025, the lowest point recorded since the series began in 2005 and placing the country at 103rd globally. This trough follows a dramatic peak of 3.96 % in 2011, when the aftermath of the global financial crisis strained credit quality across Europe. Over the 18‑year coverage period the NPL ratio has declined steadily, moving from 0.99 % in 2005 to the current sub‑1 % level, a trajectory that now outperforms peers such as Switzerland (0.83 %) and Czechia (1.02 %). The reduction reflects tighter underwriting standards, stronger regulatory oversight and improved macro‑economic conditions, including low unemployment and modest interest‑rate pressures. If the United Kingdom maintains its current policy framework and avoids a resurgence of systemic shocks, the NPL ratio is likely to remain near the 2025 trough, reinforcing the resilience of its banking sector.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2026* trend | 0.92% | - | - |
| 2025* trend | 0.93% | - | - |
| 2025 | 0.93% | −0.05pp | #103 |
| 2023 | 0.98% | +0.03pp | #9 |
| 2022 | 0.95% | −0.02pp | #12 |
| 2021 | 0.97% | −0.01pp | #12 |
| 2020 | 0.98% | −0.03pp | #10 |
| 2019 | 1.02% | −0.08pp | #13 |
| 2018 | 1.10% | −0.26pp | #15 |
| 2017 | 1.36% | −0.33pp | #18 |
| 2016 | 1.69% | +0.67pp | #25 |
| 2015 | 1.01% | −0.64pp | #12 |
| 2014 | 1.65% | −1.46pp | #22 |
| 2013 | 3.11% | −0.47pp | #48 |
| 2012 | 3.59% | −0.38pp | #52 |
| 2011 | 3.96% | +0.01pp | #60 |
| 2010 | 3.95% | +0.45pp | #53 |
Detected Pattern
Analysis
United Kingdom matched the Export Boom Cycle pattern in 1985. 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
United Kingdom's non-performing loans was 0.93% in 2025. Ranked 103rd globally. This represents a 4.7% decrease from the previous year.
United Kingdom's non-performing loans peaked at 3.96% in 2011.
The lowest non-performing loans in United Kingdom was 0.93% in 2025.
United Kingdom ranks 103rd globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
United Kingdom's non-performing loans is projected to reach 0.93% by 2025 based on trend extrapolation.
The non-performing loans of United Kingdom in 2025 was 0.93%. This ranks 103rd in the world.
Cite this page
@misc{historysaid_united-kingdom_non-performing-loans,
title = {United Kingdom Non-Performing Loans},
url = {https://historysaid.com/united-kingdom/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}