| Rank | Country | Value | Bar |
|---|---|---|---|
| 1 | Equatorial Guinea | 55.41 % | |
| 2 | San Marino | 53.14 % | |
| 3 | Ukraine | 38.12 % | |
| 4 | Chad | 27.70 % | |
| 5 | Saint Kitts and Nevis | 21.83 % | |
| 6 | Algeria | 20.26 % | |
| 7 | Iraq | 18.85 % | |
| 8 | Congo | 16.83 % | |
| 9 | Ghana | 14.79 % | |
| 10 | Central African Republic | 14.51 % | |
| 11 | Comoros | 14.10 % | |
| 12 | Dominica | 13.79 % | |
| 13 | Cameroon | 13.03 % | |
| 14 | Saint Lucia | 12.76 % | |
| 15 | Kyrgyzstan | 12.46 % | |
| 16 | Sri Lanka | 11.97 % | |
| 17 | Sint Maarten (Dutch part) | 11.20 % | |
| 18 | Kenya | 10.75 % | |
| 19 | Saint Vincent and the Grenadines | 10.12 % | |
| 20 | Solomon Islands | 9.51 % | |
| 21 | Maldives | 9.41 % | |
| 22 | Mozambique | 8.97 % | |
| 23 | Bangladesh | 8.72 % | |
| 24 | Morocco | 8.68 % | |
| 25 | Tonga | 8.26 % | |
| 26 | Greece | 8.17 % | |
| 27 | Madagascar | 8.02 % | |
| 28 | Cyprus | 7.66 % | |
| 29 | Gabon | 7.64 % | |
| 30 | Curaçao | 7.48 % | |
| 31 | Congo, The Democratic Republic of the | 7.43 % | |
| 32 | Antigua and Barbuda | 6.91 % | |
| 33 | Eswatini | 6.65 % | |
| 34 | United Arab Emirates | 6.55 % | |
| 35 | Pakistan | 6.54 % | |
| 36 | Moldova, Republic of | 6.44 % | |
| 37 | Tanzania, United Republic of | 6.43 % | |
| 38 | Montenegro | 6.33 % | |
| 39 | Jordan | 6.25 % | |
| 40 | Barbados | 5.84 % | |
| 41 | Malawi | 5.52 % | |
| 42 | Namibia | 5.52 % | |
| 43 | Russian Federation | 5.51 % | |
| 44 | Uganda | 5.10 % | |
| 45 | Samoa | 4.98 % | |
| 46 | Zambia | 4.98 % | |
| 47 | Mauritius | 4.92 % | |
| 48 | Belarus | 4.91 % | |
| 49 | Belize | 4.89 % | |
| 50 | India | 4.81 % | |
| 51 | Albania | 4.79 % | |
| 52 | Papua New Guinea | 4.78 % | |
| 53 | Gambia | 4.56 % | |
| 54 | Bosnia and Herzegovina | 4.54 % | |
| 55 | Bulgaria | 4.53 % | |
| 56 | Croatia | 4.33 % | |
| 57 | Lesotho | 4.31 % | |
| 58 | Djibouti | 4.31 % | |
| 59 | Peru | 4.12 % | |
| 60 | Nigeria | 4.01 % | |
| 61 | Hungary | 3.79 % | |
| 62 | Botswana | 3.75 % | |
| 63 | Ecuador | 3.73 % | |
| 64 | Grenada | 3.58 % | |
| 65 | Uzbekistan | 3.53 % | |
| 66 | Malta | 3.50 % | |
| 67 | Kazakhstan | 3.36 % | |
| 68 | Rwanda | 3.26 % | |
| 69 | Philippines | 3.13 % | |
| 70 | Argentina | 3.09 % | |
| 71 | Trinidad and Tobago | 3.09 % | |
| 72 | Spain | 3.06 % | |
| 73 | Bhutan | 2.98 % | |
| 74 | Paraguay | 2.94 % | |
| 75 | Thailand | 2.84 % | |
| 76 | Brunei Darussalam | 2.82 % | |
| 77 | Italy | 2.80 % | |
| 78 | North Macedonia | 2.79 % | |
| 79 | Cambodia | 2.71 % | |
| 80 | Romania | 2.65 % | |
| 81 | Brazil | 2.64 % | |
| 82 | Azerbaijan | 2.56 % | |
| 83 | Panama | 2.53 % | |
| 84 | Colombia | 2.47 % | |
| 85 | Nepal | 2.44 % | |
| 86 | Poland | 2.43 % | |
| 87 | Armenia | 2.40 % | |
| 88 | Honduras | 2.38 % | |
| 89 | Viet Nam | 2.32 % | |
| 90 | Latvia | 2.29 % | |
| 91 | Indonesia | 2.15 % | |
| 92 | Bolivia, Plurinational State of | 2.13 % | |
| 93 | Costa Rica | 2.11 % | |
| 94 | Mexico | 2.08 % | |
| 95 | France | 2.08 % | |
| 96 | Austria | 1.99 % | |
| 97 | Türkiye | 1.98 % | |
| 98 | Slovakia | 1.86 % | |
| 99 | Belgium | 1.84 % | |
| 100 | El Salvador | 1.80 % | |
| 101 | Saudi Arabia | 1.80 % | |
| 102 | Slovenia | 1.75 % | |
| 103 | Malaysia | 1.72 % | |
| 104 | Chile | 1.67 % | |
| 105 | Netherlands | 1.61 % | |
| 106 | Ireland | 1.61 % | |
| 107 | Luxembourg | 1.59 % | |
| 108 | Nicaragua | 1.54 % | |
| 109 | Georgia | 1.51 % | |
| 110 | Macao | 1.50 % | |
| 111 | Czechia | 1.46 % | |
| 112 | Kuwait | 1.41 % | |
| 113 | Iceland | 1.40 % | |
| 114 | Uruguay | 1.39 % | |
| 115 | Finland | 1.35 % | |
| 116 | Guatemala | 1.25 % | |
| 117 | Germany | 1.23 % | |
| 118 | Japan | 1.23 % | |
| 119 | Denmark | 1.07 % | |
| 120 | Hong Kong | 1.02 % | |
| 121 | United Kingdom | 0.95 % | |
| 122 | Dominican Republic | 0.83 % | |
| 123 | Estonia | 0.80 % | |
| 124 | Australia | 0.72 % | |
| 125 | United States | 0.72 % | |
| 126 | Israel | 0.71 % | |
| 127 | Switzerland | 0.69 % | |
| 128 | Lithuania | 0.40 % | |
| 129 | Canada | 0.34 % | |
| 130 | Sweden | 0.30 % | |
| 131 | Norway | 0.27 % | |
| 132 | Korea, Republic of | 0.24 % |
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.