As of December 2023, Poland was one of the countries in Europe with the largest ratio of non-performing exposures (NPE) to total gross loans. On the other side of the spectrum, Swedish banks had an exposure to non-performing loans of just 0.28 percent. Loans are considered non-performing when they are in default or close to being in default. Many standard contract terms specify that exposures become non-performing after being in default for 90 days, but this can vary.
Ratio of non-performing exposures (NPE) to gross loans in the European Economic Area as of December 2023, by country
While non-performing loans (NPL) only refer to loans and advances that are unlikely to pay their obligations or that have payments 90 days past their due, non-performing exposure (NPE) also includes the value of debt securities that are non-performing.
Figures for individual countries includes the data of the subsidiaries of corporations domiciled in another country.
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EBA. (April 4, 2024). Ratio of non-performing exposures (NPE) to gross loans in the European Economic Area as of December 2023, by country [Graph]. In Statista. Retrieved December 26, 2024, from https://www.statista.com/statistics/894314/non-performing-bank-exposures-in-europe/
EBA. "Ratio of non-performing exposures (NPE) to gross loans in the European Economic Area as of December 2023, by country." Chart. April 4, 2024. Statista. Accessed December 26, 2024. https://www.statista.com/statistics/894314/non-performing-bank-exposures-in-europe/
EBA. (2024). Ratio of non-performing exposures (NPE) to gross loans in the European Economic Area as of December 2023, by country. Statista. Statista Inc.. Accessed: December 26, 2024. https://www.statista.com/statistics/894314/non-performing-bank-exposures-in-europe/
EBA. "Ratio of Non-performing Exposures (Npe) to Gross Loans in The European Economic Area as of December 2023, by Country." Statista, Statista Inc., 4 Apr 2024, https://www.statista.com/statistics/894314/non-performing-bank-exposures-in-europe/
EBA, Ratio of non-performing exposures (NPE) to gross loans in the European Economic Area as of December 2023, by country Statista, https://www.statista.com/statistics/894314/non-performing-bank-exposures-in-europe/ (last visited December 26, 2024)
Ratio of non-performing exposures (NPE) to gross loans in the European Economic Area as of December 2023, by country [Graph], EBA, April 4, 2024. [Online]. Available: https://www.statista.com/statistics/894314/non-performing-bank-exposures-in-europe/
