{"version":1,"asset_type":"statistical_series","data_type":"time_series","slug":"de-bank-npl-ratio","url":"https://apiardata.com/statistics/de-bank-npl-ratio","html_url":"https://apiardata.com/statistics/de-bank-npl-ratio/","title":"Germany Bank Non-Performing Loans Ratio (2025)","description":"Germany's Bank Non-Performing Loans Ratio: 1.9 % of total gross loans in 2025, +0.1pp YoY. World Bank (FB.AST.NPER.ZS), 2022–2025.","domain":"macro","category":"Economy & Macro","keywords":["Economy & Macro","World Bank","Germany","2025"],"publisher":"World Bank","frequency":"Annual","geography":"Germany","temporal_coverage":"2022/2025","unit":"% of total gross loans","last_updated":"2026-07-27","last_updated_text":"27 July 2026","data_as_of":"2025","variable_measured":"Germany 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=DE"}],"meta":[{"label":"Frequency","value":"Annual"},{"label":"Coverage","value":"2022–2025"},{"label":"Observations","value":"4"},{"label":"Geography","value":"Germany"},{"label":"Last updated","value":"27 July 2026"}],"kpis":[{"label":"Germany (2025)","value":"1.9","unit":"% of total gross loans","trend":{"direction":"up","value":"+0.1pp YoY"}},{"label":"YoY Change","value":"+0.1pp","unit":"percentage points"},{"label":"Trend","value":"up","unit":""},{"label":"Series length","value":"4","unit":"years of data"}],"series":[{"key":"value","label":"Germany Bank Non-Performing Loans Ratio"}],"observation_count":4,"observations":[{"period":"2022","value":1.23497612551347},{"period":"2023","value":1.53513253215757},{"period":"2024","value":1.77161339190265},{"period":"2025","value":1.89057945686605}],"table":{"columns":[{"key":"year","label":"Year"},{"key":"value","label":"% of total gross loans"},{"key":"yoyChange","label":"YoY Change"}],"rows":[{"year":"2025","value":"1.9","yoyChange":"+0.1pp"},{"year":"2024","value":"1.8","yoyChange":"+0.3pp"},{"year":"2023","value":"1.5","yoyChange":"+0.3pp"},{"year":"2022","value":"1.2","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 Germany 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 2025. World Bank typically publishes this series with a lag of several months after the reference period. The series runs 2022–2025 (4 observations)."},{"question":"What is the long-term trend?","answer":"The series peaked at 1.9 % of total gross loans in 2025 and reached its lowest recorded value of 1.2 in 2022. The latest reading of 1.9 in 2025 represents a change of +0.1pp."}]}