After falling several years in a row, the non-performing loans (NPL) ratio in the euro area and other EU countries under the single supervisory mechanism remained relatively stable in 2023. In the wake of the financial crisis, non-performing loans (NPLs) became a major concern policymakers, financial supervisors as well as market participants across the European Union. Non-performing loans are those that are in default, or are close to being in default. Many standard contract terms specify that loans become non-performing after being in default for 90 days, but this can vary. As of December 2021, Greece was one of the countries with the highest NPL ratio in Europe.
Non-performing loans and advances (NPL) as a share of gross loans in the euro area from 2nd quarter 2015 to 2nd quarter 2023
Figures refer to the EU countries participating in the Single Supervisory Mechanism (SSM), a changing composition that includes all countries in the euro area, and a few other EU countries such as Bulgaria.
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ECB. (October 12, 2023). Non-performing loans and advances (NPL) as a share of gross loans in the euro area from 2nd quarter 2015 to 2nd quarter 2023 [Graph]. In Statista. Retrieved July 22, 2024, from https://www.statista.com/statistics/1122984/non-performing-bank-loans-in-europe/
ECB. "Non-performing loans and advances (NPL) as a share of gross loans in the euro area from 2nd quarter 2015 to 2nd quarter 2023." Chart. October 12, 2023. Statista. Accessed July 22, 2024. https://www.statista.com/statistics/1122984/non-performing-bank-loans-in-europe/
ECB. (2023). Non-performing loans and advances (NPL) as a share of gross loans in the euro area from 2nd quarter 2015 to 2nd quarter 2023. Statista. Statista Inc.. Accessed: July 22, 2024. https://www.statista.com/statistics/1122984/non-performing-bank-loans-in-europe/
ECB. "Non-performing Loans and Advances (Npl) as a Share of Gross Loans in The Euro Area from 2nd Quarter 2015 to 2nd Quarter 2023." Statista, Statista Inc., 12 Oct 2023, https://www.statista.com/statistics/1122984/non-performing-bank-loans-in-europe/
ECB, Non-performing loans and advances (NPL) as a share of gross loans in the euro area from 2nd quarter 2015 to 2nd quarter 2023 Statista, https://www.statista.com/statistics/1122984/non-performing-bank-loans-in-europe/ (last visited July 22, 2024)
Non-performing loans and advances (NPL) as a share of gross loans in the euro area from 2nd quarter 2015 to 2nd quarter 2023 [Graph], ECB, October 12, 2023. [Online]. Available: https://www.statista.com/statistics/1122984/non-performing-bank-loans-in-europe/
