South Africa: Non-performing loans

* indicates monthly or quarterly data series
 South Africa

Non-performing loans as percent of all bank loans

 Latest value 4.45
 Year 2021
 Measure percent
 Data availability 2008 - 2021
 Average 4.09
 Min - Max 2.84 - 5.94
 Source The World Bank
For that indicator, we provide data for South Africa from 2008 to 2021. The average value for South Africa during that period was 4.09 percent with a minimum of 2.84 percent in 2017 and a maximum of 5.94 percent in 2009. The latest value from 2021 is 4.45 percent. For comparison, the world average in 2021 based on 122 countries is 5.92 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
South Africa - Non-performing loans - Recent values chart

Historical chart
South Africa - Non-performing loans - historical chart - 2008-2021

The percent non-performing loans in South Africa 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 South Africa 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.

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 Related indicators Latest value Reference Measure
 Lending-deposit interest rate spread 2.83 2020 interest rate points
 Bank cost to income ratio 61.01 2021 percent
 Non-performing loans 4.45 2021 percent
 Bank overhead cost 2.88 2021 percent
 Net interest margin 3.05 2021 percent
 Bank credit to deposits 95.62 2021 percent
 Regulatory capital to risk-weighted assets 16.58 2020 percent
 Return on assets 1.29 2021 percent
 Return on equity 17.56 2021 percent
 Banking system z-scores 15.46 2021 index points
 Liquid assets to deposits 26.32 2021 percent
 Banking system capital to assets 7.89 2020 percent
 Non-interest income to total income 40.87 2021 percent
 Lending interest rate 8.79 2022 percent
 Real interest rate 6.67 2023 percent
 Legal rights 5.00 2019 points
 Credit information sharing 7.00 2019 points
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