EU countries by bank nonperforming loans

Greece had the highest bank nonperforming loans of 26 EU countries in 2018, at 43.37%. Sweden had the lowest, at 0.49%. The median was 3.24%. Source: the World Bank.

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Highest43.37Greece
Lowest0.49Sweden
Median3.2426 EU countries

Map of EU countries, 2018

Austria: 2.9 %Belgium: 2.27 %Bulgaria: 7.8 %Cyprus: 19.52 %Czechia: 3.1 %Denmark: 2.87 %Estonia: 1.55 %Spain: 3.69 %Finland: 0.95 %France: 2.75 %Greece: 43.37 %Croatia: 10.41 %Hungary: 2.47 %Ireland: 5.46 %Italy: 8.39 %Lithuania: 2.27 %Luxembourg: 0.9 %Latvia: 5.29 %Malta: 3.36 %Netherlands: 1.96 %Poland: 3.87 %Portugal: 10.19 %Romania: 5.59 %Sweden: 0.49 %Slovenia: 6.01 %Slovakia: 3.12 %
  • Under 2.3
  • 2.3 to 2.9
  • 2.9 to 3.9
  • 3.9 to 7.8
  • 7.8 and over
  • No data
%, 2018. 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, 2018

Greece: 43.37 %Greece43.37Cyprus: 19.52 %Cyprus19.52Croatia: 10.41 %Croatia10.41Portugal: 10.19 %Portugal10.19Italy: 8.39 %Italy8.39Bulgaria: 7.8 %Bulgaria7.8Slovenia: 6.01 %Slovenia6.01Romania: 5.59 %Romania5.59Ireland: 5.46 %Ireland5.46Latvia: 5.29 %Latvia5.29Poland: 3.87 %Poland3.87Spain: 3.69 %Spain3.69Malta: 3.36 %Malta3.36Slovakia: 3.12 %Slovakia3.12Czechia: 3.1 %Czechia3.1Austria: 2.9 %Austria2.9Denmark: 2.87 %Denmark2.87France: 2.75 %France2.75Hungary: 2.47 %Hungary2.47Lithuania: 2.27 %Lithuania2.27Belgium: 2.27 %Belgium2.27Netherlands: 1.96 %Netherlands1.96Estonia: 1.55 %Estonia1.55Finland: 0.95 %Finland0.95Luxembourg: 0.9 %Luxembourg0.9Sweden: 0.49 %Sweden0.49Greece: 43.37 %Greece43.37Cyprus: 19.52 %Cyprus19.52Croatia: 10.41 %Croatia10.41Portugal: 10.19 %Portugal10.19Italy: 8.39 %Italy8.39Bulgaria: 7.8 %Bulgaria7.8Slovenia: 6.01 %Slovenia6.01Romania: 5.59 %Romania5.59Ireland: 5.46 %Ireland5.46Latvia: 5.29 %Latvia5.29Poland: 3.87 %Poland3.87Spain: 3.69 %Spain3.69Malta: 3.36 %Malta3.36Slovakia: 3.12 %Slovakia3.12Czechia: 3.1 %Czechia3.1Austria: 2.9 %Austria2.9Denmark: 2.87 %Denmark2.87France: 2.75 %France2.75Hungary: 2.47 %Hungary2.47Lithuania: 2.27 %Lithuania2.27Belgium: 2.27 %Belgium2.27Netherlands: 1.96 %Netherlands1.96Estonia: 1.55 %Estonia1.55Finland: 0.95 %Finland0.95Luxembourg: 0.9 %Luxembourg0.9Sweden: 0.49 %Sweden0.49
%. Source: World Bank, Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). Retrieved 2026-10-12.

Full ranking

RankEU countries2018 (%)Change on 2017
1Greece43.37-2.59 pts
2Cyprus19.52-11.87 pts
3Croatia10.41-1.72 pts
4Portugal10.19-3.97 pts
5Italy8.39-6 pts
6Bulgaria7.8-2.63 pts
7Slovenia6.01+2.81 pts
8Romania5.59-2.06 pts
9Ireland5.46-6 pts
10Latvia5.29-0.22 pts
11Poland3.87+0.03 pts
12Spain3.69-0.77 pts
13Malta3.36-0.71 pts
14Slovakia3.12-0.51 pts
15Czechia3.1-0.59 pts
16Austria2.9+0.53 pts
17Denmark2.87+0.2 pts
18France2.75-0.1 pts
19Hungary2.47-1.7 pts
20Lithuania2.27-0.91 pts
21Belgium2.27-0.69 pts
22Netherlands1.96-0.35 pts
23Estonia1.55-0.83 pts
24Finland0.95+0.22 pts
25Luxembourg0.9+0.11 pts
26Sweden0.49-0.62 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. 1 EU countries with data in other periods have no value for 2018 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, 2018) [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, 2018. 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=2018. 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, 2018. 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=2018.

Harvard

World Bank (2026) Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS), EU countries by bank nonperforming loans, 2018 [Dataset]. Available at: https://data.worldbank.org/indicator/FB.AST.NPER.ZS, via Invokely: https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2018 (Accessed: 12 October 2026).

BibTeX
@misc{world_eu_countries_by_bank_2018,
  author = {{World Bank}},
  title = {{Bank nonperforming loans to total gross loans (\%) (FB.AST.NPER.ZS): EU countries by bank nonperforming loans, 2018}},
  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=2018. 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, 2018
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=2018
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2018.
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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Rank EU countries by bank nonperforming loans using official data, and cite the source.
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Questions

Which EU country has the highest bank nonperforming loans?

Greece, with 43.37% in 2018, according to the World Bank.

Which EU country has the lowest bank nonperforming loans?

Sweden, with 0.49% in 2018.

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. 1 EU countries have no value for 2018 and are not ranked.

Bank nonperforming loans: other rankings

EU countries: more rankings