Viet Nam Non-Performing Loans
Bank nonperforming loans as % of total gross loans FB.AST.NPER.ZS
Viet Nam's non-performing loans was 2.04% in 2025, ranked 74th globally. This represents a 11.9% decrease from 2024. Data from World Bank, covering 2008–2025.
Overview
Viet Nam's non-performing loans stood at 2.04% in 2025, a decline of +0.28pp from 2022. Based on recent trends, this figure is projected to reach 2.04% by 2025. Viet Nam ranked 74th globally.
Vietnam’s non‑performing loan (NPL) ratio has fallen to 2.04 % in 2025, placing the country 74th globally and marginally below the Russian Federation’s 2.07 % and Brunei Darussalam’s 2.03 % peers. The 16‑year series shows a modest decline from an early‑period level of 2.15 % in 2008, after reaching an all‑time peak of 3.50 % in 2014 during a period of rapid credit expansion, and then dropping to a trough of 1.60 % in 2021 as banks tightened underwriting standards. The recent uptick from the 2021 low to the current 2.04 % reflects a measured resurgence in lending activity while maintaining tighter risk controls. Continued improvement in loan‑quality monitoring and a stable macro‑environment could sustain the downward trajectory, whereas a sharp credit boom or external shock could reverse the modest gains observed since the 2021 trough.
Data & projection
| Year | Non-Performing Loans | YoY change | Rank |
|---|---|---|---|
| 2025* trend | 2.04% | - | - |
| 2025 | 2.04% | −0.28pp | #74 |
| 2022 | 2.32% | +0.72pp | #45 |
| 2021 | 1.60% | −0.27pp | #25 |
| 2020 | 1.87% | +0.10pp | #28 |
| 2019 | 1.77% | −0.35pp | #28 |
| 2018 | 2.13% | +0.02pp | #35 |
| 2017 | 2.11% | −0.53pp | #34 |
| 2016 | 2.64% | −0.12pp | #43 |
| 2015 | 2.76% | −0.74pp | #41 |
| 2014 | 3.50% | +0.39pp | #52 |
| 2013 | 3.11% | −0.33pp | #47 |
| 2012 | 3.44% | +0.65pp | #47 |
| 2011 | 2.79% | +0.70pp | #44 |
| 2010 | 2.09% | +0.30pp | #22 |
| 2009 | 1.80% | −0.35pp | #9 |
Detected Pattern
Analysis
Viet Nam matched the Export Boom Cycle pattern in 2020. 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
Viet Nam's non-performing loans was 2.04% in 2025. Ranked 74th globally. This represents a 11.9% decrease from the previous year.
Viet Nam's non-performing loans peaked at 3.50% in 2014.
The lowest non-performing loans in Viet Nam was 1.60% in 2021.
Viet Nam ranks 74th globally in non-performing loans as of 2025.
The World Bank indicator code is FB.AST.NPER.ZS. Data sourced from World Bank.
Viet Nam's non-performing loans is projected to reach 2.04% by 2025 based on trend extrapolation.
The non-performing loans of Viet Nam in 2025 was 2.04%. This ranks 74th in the world.
Cite this page
@misc{historysaid_viet-nam_non-performing-loans,
title = {Viet Nam Non-Performing Loans},
url = {https://historysaid.com/viet-nam/non-performing-loans/},
publisher = {HistorySaid},
year = {2026}
}