Armenia: Non-performing loans

* indicates monthly or quarterly data series
 Armenia

Non-performing loans as percent of all bank loans

 Latest value 6.55
 Year 2020
 Measure percent
 Data availability 2005 - 2020
 Average 4.65
 Min - Max 1.97 - 7.95
 Source The World Bank
For that indicator, we provide data for Armenia from 2005 to 2020. The average value for Armenia during that period was 4.65 percent with a minimum of 1.97 percent in 2005 and a maximum of 7.95 percent in 2015. The latest value from 2020 is 6.55 percent. For comparison, the world average in 2020 based on 129 countries is 6.76 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
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* indicates monthly or quarterly data series


Recent values chart
Armenia - Non-performing loans - Recent values chart

Historical chart
Armenia - Non-performing loans - historical chart - 2005-2020




The percent non-performing loans in Armenia reflects the health of the banking system. A higher percent of such loans shows that banks have difficulty collecting interest and principal on their credits. That may lead to less profits for the banks in Armenia and, possibly, bank closures.
Definition: Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.


 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 3.50 2020 interest rate points
 Bank cost to income ratio 47.56 2021 percent
 Non-performing loans 6.55 2020 percent
 Bank overhead cost 2.21 2021 percent
 Net interest margin 4.36 2021 percent
 Bank credit to deposits 131.77 2021 percent
 Regulatory capital to risk-weighted assets 16.93 2020 percent
 Return on assets 0.89 2021 percent
 Return on equity 6.89 2021 percent
 Banking system z-scores 12.32 2021 index points
 Liquid assets to deposits 44.91 2021 percent
 Banking system capital to assets 13.13 2020 percent
 Non-interest income to total income 24.90 2021 percent
 Lending interest rate 11.72 2022 percent
 Real interest rate 3.46 2022 percent
 Legal rights 6.00 2020 points
 Credit information sharing 8.00 2019 points
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