Low headline ratios.
As of 04 SEP 2026Headline ratios below 2% across the largest banking systems, each on its own definition.
Non-performing loans on bank balance sheets, as reported by national regulators.
As published by national regulators · Each figure links to its row
Headline ratios below 2% across the largest banking systems, each on its own definition.
Recognition events and macro stress, concentrated in a handful of jurisdictions.
Roughly ¥3T of bad assets disposed annually in China; write-offs rising in India even as the headline ratio falls.
| Jurisdiction | NPL stock | As of | Trend | Source | ||
|---|---|---|---|---|---|---|
| BangladeshSeries break | Tk 607,000 crore~$50B | 32.78% | JUN 2026 | 21 JUL 2026 | — BREAK | BANGLADESH BANK ↗ |
| Ukraine | UAH 186B~$4.4B | 12.5% | JUL 2026 | 14 AUG 2026 | ↓ FALLING | NBU ↗ |
| Nigeria | — | 9.94% | Q1 2026 | 28 MAY 2026 | ↑ RISING | CBN ↗ |
| Sri Lanka | — | 9.4% Stage-3 | Q1 2026 | 02 JUN 2026 | ↓ FALLING | CBSL ↗ |
| Pakistan | — | 7.4% | JUN 2025 | 03 OCT 2025 | → FLAT | SBP ↗ |
| Brazil | — | 4.7% | JUN 2026 | 28 AUG 2026 | ↑ RISING | BCB ↗ |
| South Africa | — | ≈4–5% | 2026 | 14 JUL 2026 | → FLAT | SARB PA ↗ |
| UAE | — | 3.3% | END-2025 | 30 APR 2026 | ↓ FALLING | CBUAE ↗ |
| Philippines | — | 3.29% | JUN 2026 | 11 AUG 2026 | ↓ FALLING | BSP ↗ |
| Turkey | TRY 719B~$17B | 2.86% | JUL 2026 | 04 SEP 2026 | ↑ RISING | BDDK ↗ |
| Thailand | — | 2.82% | Q2 2026 | 25 AUG 2026 | → FLAT | BOT ↗ |
| Mexico | — | 2.32% IMOR | MAY 2026 | 09 JUL 2026 | → FLAT | CNBV ↗ |
| Indonesia | — | 2.21% | NOV 2025 | 20 JAN 2026 | ↓ FALLING | OJK ↗ |
| Vietnam | — | ≈2% | H1 2026 | 12 AUG 2026 | ↑ RISING | SBV ↗ |
| EU / EEA | €370B~$410B | 1.82% | DEC 2025 | 10 APR 2026 | → FLAT | EBA ↗ |
| India | ₹3.3 trillion~$38B | 1.8% | MAR 2026 | 30 JUN 2026 | ↓ FALLING | RBI ↗ |
| China | CN¥3.7T~$510B | 1.52% | Q1 2026 | 22 MAY 2026 | → FLAT | NFRA ↗ |
| Japan | ¥8.4T~$57B | ≈1.4% | MAR 2025 | 22 AUG 2025 | ↓ FALLING | FSA ↗ |
| Malaysia | — | 1.4% GIL | MAY 2026 | 07 JUL 2026 | → FLAT | BNM ↗ |
| Saudi Arabia | — | 1.2% | END-2024 | 18 JUN 2025 | ↓ FALLING | SAMA ↗ |
| United KingdomSecondary | — | ≈1.0% | 2023 | 15 JAN 2026 | → FLAT | IMF FSI ↗ |
| Australia | — | ≈1% | MAR 2026 | 16 JUN 2026 | → FLAT | APRA ↗ |
| United States | $130BReported in USD | 0.93% | Q2 2026 | 24 SEP 2026 | → FLAT | FDIC ↗ |
| South Korea | — | 0.63% | JUN 2026 | 20 AUG 2026 | → FLAT | FSS ↗ |
Next expected releases
EBA Risk Dashboard
NFRA quarterly banking statistics
FDIC Quarterly Banking Profile
RBI Financial Stability Report
Monthly sources — BCB, OJK, NBU, BDDK
What changed
United States corrected to the FDIC Q2 2026 noncurrent rate: 0.93% (previously shown as 1.44%). Prior-year reading 0.96%; trend FLAT.
Turkey updated to Jul 2026 (BDDK weekly): TRY 719B, 2.86%.
Brazil updated to Jun 2026 (BCB monthly, total-credit NPL ratio): 4.7%.
Ukraine updated to Jul 2026 (NBU): 12.5%.
Bangladesh Jun 2026 quarterly classified-loan data: 32.78% after migration to the 90-day standard. Trend marked BREAK.
India updated from RBI Financial Stability Report, June 2026: GNPA 1.8%.
EU/EEA Dec 2025 NPE ratio restated by EBA; row updated and marked.
Methodology
Figures are taken from the named national regulator's latest published release and shown on that regulator's own definition. Ratios are not harmonised across jurisdictions.
Where a regulator publishes no comparable series, the IMF Financial Soundness Indicators value is used and the row is flagged Secondary.
Dollar equivalents are indicative, converted at the exchange rate on the as-of date, rounded.
Direction against the previous published reading. A change in definition or coverage is marked Break rather than a direction.