{"version":1,"asset_type":"statistical_series","data_type":"time_series","slug":"ae-bank-npl-ratio","url":"https://apiardata.com/statistics/ae-bank-npl-ratio","html_url":"https://apiardata.com/statistics/ae-bank-npl-ratio/","title":"United Arab Emirates Bank Non-Performing Loans Ratio (2024)","description":"United Arab Emirates's Bank Non-Performing Loans Ratio: 4.1 % of total gross loans in 2024, -1.2pp YoY. World Bank (FB.AST.NPER.ZS), 2009–2024.","domain":"macro","category":"Economy & Macro","keywords":["Economy & Macro","World Bank","United Arab Emirates","2024"],"publisher":"World Bank","frequency":"Annual","geography":"United Arab Emirates","temporal_coverage":"2009/2024","unit":"% of total gross loans","last_updated":"2026-07-27","last_updated_text":"27 July 2026","data_as_of":"2024","variable_measured":"United Arab Emirates Bank Non-Performing Loans Ratio","license":"https://apiardata.com/data-license","is_accessible_for_free":true,"sources":[{"name":"World Bank","url":"https://data.worldbank.org/indicator/FB.AST.NPER.ZS?locations=AE"}],"meta":[{"label":"Frequency","value":"Annual"},{"label":"Coverage","value":"2009–2024"},{"label":"Observations","value":"16"},{"label":"Geography","value":"United Arab Emirates"},{"label":"Last updated","value":"27 July 2026"}],"kpis":[{"label":"United Arab Emirates (2024)","value":"4.1","unit":"% of total gross loans","trend":{"direction":"down","value":"-1.2pp YoY"}},{"label":"YoY Change","value":"-1.2pp","unit":"percentage points"},{"label":"Trend","value":"down","unit":""},{"label":"Series length","value":"16","unit":"years of data"}],"series":[{"key":"value","label":"United Arab Emirates Bank Non-Performing Loans Ratio"}],"observation_count":16,"observations":[{"period":"2009","value":4.17812783392795},{"period":"2010","value":5.26698896173512},{"period":"2011","value":6.08629581295721},{"period":"2012","value":7.12965175228016},{"period":"2013","value":5.85229580988926},{"period":"2014","value":5.31214096469623},{"period":"2015","value":4.74620283630956},{"period":"2016","value":4.79735362210192},{"period":"2017","value":4.99704232082411},{"period":"2018","value":5.25650797811493},{"period":"2019","value":6.02686885240592},{"period":"2020","value":7.57146032262558},{"period":"2021","value":7.28694437688478},{"period":"2022","value":6.55317267111425},{"period":"2023","value":5.30826886216617},{"period":"2024","value":4.13722730162714}],"table":{"columns":[{"key":"year","label":"Year"},{"key":"value","label":"% of total gross loans"},{"key":"yoyChange","label":"YoY Change"}],"rows":[{"year":"2024","value":"4.1","yoyChange":"-1.2pp"},{"year":"2023","value":"5.3","yoyChange":"-1.3pp"},{"year":"2022","value":"6.6","yoyChange":"-0.7pp"},{"year":"2021","value":"7.3","yoyChange":"-0.3pp"},{"year":"2020","value":"7.6","yoyChange":"+1.6pp"},{"year":"2019","value":"6.0","yoyChange":"+0.7pp"},{"year":"2018","value":"5.3","yoyChange":"+0.3pp"},{"year":"2017","value":"5.0","yoyChange":"+0.2pp"},{"year":"2016","value":"4.8","yoyChange":"+0.1pp"},{"year":"2015","value":"4.7","yoyChange":"-0.6pp"},{"year":"2014","value":"5.3","yoyChange":"-0.6pp"},{"year":"2013","value":"5.9","yoyChange":"-1.2pp"},{"year":"2012","value":"7.1","yoyChange":"+1.0pp"},{"year":"2011","value":"6.1","yoyChange":"+0.8pp"},{"year":"2010","value":"5.3","yoyChange":"+1.1pp"},{"year":"2009","value":"4.2","yoyChange":"n/a"}]},"qa":[{"question":"What does this indicator measure?","answer":"This page tracks the ratio of non-performing bank loans (90+ days past due) to total gross loans in United Arab Emirates from 2000 to present. This is the primary asset-quality indicator for banking sector stability. It is published by World Bank and updated annually."},{"question":"How current is this data?","answer":"The most recent observation covers 2024. World Bank typically publishes this series with a lag of several months after the reference period. The series runs 2009–2024 (16 observations)."},{"question":"What is the long-term trend?","answer":"The series peaked at 7.6 % of total gross loans in 2020 and reached its lowest recorded value of 4.1 in 2024. The latest reading of 4.1 in 2024 represents a change of -1.2pp."}]}