As of the last quarter of 2023, Poland was the EU country with the highest ratio of non-performing loans (NLPs) to total gross loans, at nearly 4.3 percent. During the same period, the ratio of non-performing loans in Sweden amounted to just 0.3 percent. 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.
Ratio of non-performing loans and advances (NPLs) to gross loans in the European Economic Area as of 4th quarter 2023, by country
While non-performing loans (NPL) are defined as such when they are 90 days past due, non-performing exposure (NPE) refers to exposure to borrowers that are unlikely to pay their obligations or that have payments 90 days past their due.
Figures for individual countries includes the data of the subsidiaries of corporations domiciled in another country.
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EBA. (April 20, 2024). Ratio of non-performing loans and advances (NPLs) to gross loans in the European Economic Area as of 4th quarter 2023, by country [Graph]. In Statista. Retrieved December 19, 2024, from https://www.statista.com/statistics/896038/non-performing-bank-loans-in-western-europe/
EBA. "Ratio of non-performing loans and advances (NPLs) to gross loans in the European Economic Area as of 4th quarter 2023, by country." Chart. April 20, 2024. Statista. Accessed December 19, 2024. https://www.statista.com/statistics/896038/non-performing-bank-loans-in-western-europe/
EBA. (2024). Ratio of non-performing loans and advances (NPLs) to gross loans in the European Economic Area as of 4th quarter 2023, by country. Statista. Statista Inc.. Accessed: December 19, 2024. https://www.statista.com/statistics/896038/non-performing-bank-loans-in-western-europe/
EBA. "Ratio of Non-performing Loans and Advances (Npls) to Gross Loans in The European Economic Area as of 4th Quarter 2023, by Country." Statista, Statista Inc., 20 Apr 2024, https://www.statista.com/statistics/896038/non-performing-bank-loans-in-western-europe/
EBA, Ratio of non-performing loans and advances (NPLs) to gross loans in the European Economic Area as of 4th quarter 2023, by country Statista, https://www.statista.com/statistics/896038/non-performing-bank-loans-in-western-europe/ (last visited December 19, 2024)
Ratio of non-performing loans and advances (NPLs) to gross loans in the European Economic Area as of 4th quarter 2023, by country [Graph], EBA, April 20, 2024. [Online]. Available: https://www.statista.com/statistics/896038/non-performing-bank-loans-in-western-europe/
