Bosnia and Herzegovina: Non-performing loans

* indicates monthly or quarterly data series
 Bosnia and Herzegovina

Non-performing loans as percent of all bank loans

 Latest value 4.54
 Year 2022
 Measure percent
 Data availability 2000 - 2022
 Average 9.57
 Min - Max 3.02 - 21.22
 Source The World Bank
For that indicator, we provide data for Bosnia and Herzegovina from 2000 to 2022. The average value for Bosnia and Herzegovina during that period was 9.57 percent with a minimum of 3.02 percent in 2007 and a maximum of 21.22 percent in 2000. The latest value from 2022 is 4.54 percent. For comparison, the world average in 2022 based on 76 countries is 5.50 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
Bosnia and Herzegovina - Non-performing loans - recent values

Historical chart
Bosnia and Herzegovina - Non-performing loans - historical chart - 2000-2022

The percent non-performing loans in Bosnia and Herzegovina 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 Bosnia and Herzegovina 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 2.28 2020 interest rate points
 Bank cost to income ratio 62.80 2021 percent
 Non-performing loans 4.54 2022 percent
 Bank overhead cost 2.49 2021 percent
 Net interest margin 3.27 2021 percent
 Bank credit to deposits 75.15 2021 percent
 Regulatory capital to risk-weighted assets 19.18 2020 percent
 Return on assets 1.18 2021 percent
 Return on equity 10.30 2021 percent
 Banking system z-scores 15.29 2021 index points
 Liquid assets to deposits 40.82 2021 percent
 Banking system capital to assets 12.52 2020 percent
 Non-interest income to total income 41.71 2021 percent
 Lending interest rate 3.36 2022 percent
 Real interest rate -7.52 2022 percent
 Legal rights 7.00 2020 points
 Credit information sharing 6.00 2019 points
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