{"version":1,"asset_type":"statistical_series","data_type":"time_series","slug":"pk-bank-npl-ratio","url":"https://apiardata.com/statistics/pk-bank-npl-ratio","html_url":"https://apiardata.com/statistics/pk-bank-npl-ratio/","title":"Pakistan Bank Non-Performing Loans Ratio (2025)","description":"Pakistan's Bank Non-Performing Loans Ratio: 5.4 % of total gross loans in 2025, -0.3pp YoY. World Bank (FB.AST.NPER.ZS), 2013–2025.","domain":"macro","category":"Economy & Macro","keywords":["Economy & Macro","World Bank","Pakistan","2025"],"publisher":"World Bank","frequency":"Annual","geography":"Pakistan","temporal_coverage":"2013/2025","unit":"% of total gross loans","last_updated":"2026-07-27","last_updated_text":"27 July 2026","data_as_of":"2025","variable_measured":"Pakistan 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=PK"}],"meta":[{"label":"Frequency","value":"Annual"},{"label":"Coverage","value":"2013–2025"},{"label":"Observations","value":"13"},{"label":"Geography","value":"Pakistan"},{"label":"Last updated","value":"27 July 2026"}],"kpis":[{"label":"Pakistan (2025)","value":"5.4","unit":"% of total gross loans","trend":{"direction":"down","value":"-0.3pp YoY"}},{"label":"YoY Change","value":"-0.3pp","unit":"percentage points"},{"label":"Trend","value":"down","unit":""},{"label":"Series length","value":"13","unit":"years of data"}],"series":[{"key":"value","label":"Pakistan Bank Non-Performing Loans Ratio"}],"observation_count":13,"observations":[{"period":"2013","value":12.9868868262},{"period":"2014","value":12.265792482412},{"period":"2015","value":11.3588840793988},{"period":"2016","value":10.0558429338189},{"period":"2017","value":8.42948949057021},{"period":"2018","value":7.97371472046651},{"period":"2019","value":8.58202379960379},{"period":"2020","value":9.18579121790451},{"period":"2021","value":7.88790949084099},{"period":"2022","value":6.5448477708157},{"period":"2023","value":6.6275019888851},{"period":"2024","value":5.74855628982702},{"period":"2025","value":5.36039727750282}],"table":{"columns":[{"key":"year","label":"Year"},{"key":"value","label":"% of total gross loans"},{"key":"yoyChange","label":"YoY Change"}],"rows":[{"year":"2025","value":"5.4","yoyChange":"-0.3pp"},{"year":"2024","value":"5.7","yoyChange":"-0.9pp"},{"year":"2023","value":"6.6","yoyChange":"+0.1pp"},{"year":"2022","value":"6.5","yoyChange":"-1.4pp"},{"year":"2021","value":"7.9","yoyChange":"-1.3pp"},{"year":"2020","value":"9.2","yoyChange":"+0.6pp"},{"year":"2019","value":"8.6","yoyChange":"+0.6pp"},{"year":"2018","value":"8.0","yoyChange":"-0.4pp"},{"year":"2017","value":"8.4","yoyChange":"-1.7pp"},{"year":"2016","value":"10.1","yoyChange":"-1.3pp"},{"year":"2015","value":"11.4","yoyChange":"-0.9pp"},{"year":"2014","value":"12.3","yoyChange":"-0.7pp"},{"year":"2013","value":"13.0","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 Pakistan 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 2013–2025 (13 observations)."},{"question":"What is the long-term trend?","answer":"The series peaked at 13 % of total gross loans in 2013 and reached its lowest recorded value of 5.4 in 2025. The latest reading of 5.4 in 2025 represents a change of -0.3pp."}]}