EU countries by bank nonperforming loans

Ireland had the highest bank nonperforming loans of 25 EU countries in 2012, at 21.31%. Luxembourg had the lowest, at 0.15%. The median was 7.75%. Source: the World Bank.

Highest21.31Ireland

Lowest0.15Luxembourg

Median7.7525 EU countries

Map of EU countries, 2012

Under 3.4
3.4 to 5.3
5.3 to 11
11 to 16
16 and over
No data

%, 2012. Hatched areas have no value for this period. Source: World Bank, Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). Boundaries: Natural Earth (public domain).

All EU countries, 2012

%. Source: World Bank, Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). Retrieved 2026-10-12.

Full ranking

Rank	EU countries	2012 (%)	Change on 2011
1	Ireland	21.31	+5.19 pts
2	Cyprus	18.37	+8.39 pts
3	Romania	18.24	+3.91 pts
4	Bulgaria	16.63	+1.65 pts
5	Hungary	16.04	+2.37 pts
6	Greece	15.72	+6.52 pts
7	Slovenia	15.18	+3.37 pts
8	Croatia	14.56	+1.63 pts
9	Lithuania	14.11	-3.53 pts
10	Italy	13.75	+2 pts
11	Latvia	8.72	-5.33 pts
12	Portugal	8.48	+1.89 pts
13	Malta	7.75	+0.66 pts
14	Spain	5.71	n/a
15	Czechia	5.35	+0.06 pts
16	Slovakia	5.16	-0.15 pts
17	Poland	4.92	+0.38 pts
18	France	4.29	-0.6 pts
19	Belgium	3.8	+0.45 pts
20	Denmark	3.53	+0.35 pts
21	Netherlands	3.1	+0.39 pts
22	Austria	2.81	+0.11 pts
23	Estonia	2.62	-1.42 pts
24	Finland	0.45	-0.01 pts
25	Luxembourg	0.15	-0.23 pts

Other periods

About this ranking

Nonperforming loans as a percentage of total gross loans. A loan is nonperforming when it is at least 90 days overdue or is unlikely to be repaid in full without realizing collateral.

Compiled by WDI from IMF Financial Soundness Indicators. Reporting methods can differ across countries and years. The latest year varies by country, and missing World values remain absent.

Every value in the ranking comes from the same publisher and the same period, so the EU countries are compared on one definition. 2 EU countries with data in other periods have no value for 2012 and are left out rather than filled from another source. Equal values share a rank.

How to cite

World Bank, World Development Indicators. Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). https://data.worldbank.org/indicator/FB.AST.NPER.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.

Citation styles

The publisher is the author. Invokely is named only as the place the figures were read, where a style asks for it.

APA 7

World Bank. (2026). Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS) (EU countries by bank nonperforming loans, 2012) [Data set]. Retrieved October 12, 2026, from https://data.worldbank.org/indicator/FB.AST.NPER.ZS

MLA 9

Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS), EU countries by bank nonperforming loans, 2012. World Bank, 8 Oct. 2026, https://data.worldbank.org/indicator/FB.AST.NPER.ZS. Invokely, https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2012. Accessed 12 Oct. 2026.

Chicago (author-date)

World Bank. 2026. Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). EU countries by bank nonperforming loans, 2012. Dataset. Accessed October 12, 2026. https://data.worldbank.org/indicator/FB.AST.NPER.ZS. Also distributed by Invokely, https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2012.

Harvard

World Bank (2026) Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS), EU countries by bank nonperforming loans, 2012 [Dataset]. Available at: https://data.worldbank.org/indicator/FB.AST.NPER.ZS, via Invokely: https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2012 (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_bank_2012,
  author = {{World Bank}},
  title = {{Bank nonperforming loans to total gross loans (\%) (FB.AST.NPER.ZS): EU countries by bank nonperforming loans, 2012}},
  year = {2026},
  howpublished = {Data set},
  url = {https://data.worldbank.org/indicator/FB.AST.NPER.ZS},
  urldate = {2026-10-12},
  note = {Accessed via Invokely, https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2012. Publisher attribution: World Bank, World Development Indicators. Bank nonperforming loans to total gross loans (\%) (FB.AST.NPER.ZS). https://data.worldbank.org/indicator/FB.AST.NPER.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.},
}

RIS

TY  - DATA
AU  - World Bank
TI  - Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS): EU countries by bank nonperforming loans, 2012
PY  - 2026
DA  - 2026/10/08
PB  - World Bank
DB  - Invokely
UR  - https://data.worldbank.org/indicator/FB.AST.NPER.ZS
L2  - https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2012
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2012.
N1  - Publisher attribution: World Bank, World Development Indicators. Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). https://data.worldbank.org/indicator/FB.AST.NPER.ZS. Retrieved 2026-10-12. Licensed under CC BY 4.0.
ER  -

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Questions

Which EU country has the highest bank nonperforming loans?

Ireland, with 21.31% in 2012, according to the World Bank.

Which EU country has the lowest bank nonperforming loans?

Luxembourg, with 0.15% in 2012.

Where does this ranking come from?

Every value comes from one source and one period, so the places are comparable: World Bank, Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). Retrieved 2026-10-12. 2 EU countries have no value for 2012 and are not ranked.

Bank nonperforming loans: other rankings

Countries