EU countries by bank nonperforming loans

Cyprus had the highest bank nonperforming loans of 27 EU countries in 2023, at 6.11%. Sweden had the lowest, at 0.38%. The median was 2.06%. Source: the World Bank.

Highest6.11Cyprus

Lowest0.38Sweden

Median2.0627 EU countries

Map of EU countries, 2023

Under 1.3
1.3 to 1.8
1.8 to 2.5
2.5 to 3.2
3.2 and over

%, 2023. Source: World Bank, Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS). Boundaries: Natural Earth (public domain).

All EU countries, 2023

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

Full ranking

Rank	EU countries	2023 (%)	Change on 2022
1	Cyprus	6.11	-1.55 pts
2	Greece	5.96	-2.22 pts
3	Bulgaria	3.62	-0.91 pts
4	Croatia	3.6	-0.73 pts
5	Hungary	3.19	-0.6 pts
6	Malta	3.16	-0.34 pts
7	Portugal	3.14	-0.48 pts
8	Spain	3.06	0 pts
9	Romania	2.9	-0.14 pts
10	Italy	2.71	-0.08 pts
11	Austria	2.53	+0.53 pts
12	Latvia	2.43	+0.15 pts
13	Poland	2.32	-0.11 pts
14	France	2.06	-0.02 pts
15	Slovakia	1.99	+0.14 pts
16	Luxembourg	1.86	+0.27 pts
17	Belgium	1.82	-0.02 pts
18	Denmark	1.72	-0.07 pts
19	Netherlands	1.55	-0.05 pts
20	Germany	1.54	+0.3 pts
21	Slovenia	1.52	-0.23 pts
22	Finland	1.29	-0.06 pts
23	Ireland	1.27	-0.34 pts
24	Czechia	1.21	-0.25 pts
25	Estonia	1.08	+0.28 pts
26	Lithuania	0.44	+0.04 pts
27	Sweden	0.38	+0.08 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. 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, 2023) [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, 2023. 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=2023. 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, 2023. 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=2023.

Harvard

World Bank (2026) Bank nonperforming loans to total gross loans (%) (FB.AST.NPER.ZS), EU countries by bank nonperforming loans, 2023 [Dataset]. Available at: https://data.worldbank.org/indicator/FB.AST.NPER.ZS, via Invokely: https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2023 (Accessed: 12 October 2026).

BibTeX

@misc{world_eu_countries_by_bank_2023,
  author = {{World Bank}},
  title = {{Bank nonperforming loans to total gross loans (\%) (FB.AST.NPER.ZS): EU countries by bank nonperforming loans, 2023}},
  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=2023. 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, 2023
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=2023
Y2  - 2026/10/12
N1  - Accessed via Invokely, https://invokely.ai/rankings/bank-nonperforming-loans/eu-countries?period=2023.
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?

Cyprus, with 6.11% in 2023, according to the World Bank.

Which EU country has the lowest bank nonperforming loans?

Sweden, with 0.38% in 2023.

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.

Bank nonperforming loans: other rankings

Countries