{"version":1,"asset_type":"statistical_series","data_type":"time_series","slug":"za-bank-npl-ratio","url":"https://apiardata.com/statistics/za-bank-npl-ratio","html_url":"https://apiardata.com/statistics/za-bank-npl-ratio/","title":"South Africa Bank Non-Performing Loans Ratio (2024)","description":"South Africa's Bank Non-Performing Loans Ratio: 4.5 % of total gross loans in 2024, -0.2pp YoY. World Bank (FB.AST.NPER.ZS), 2008–2024.","domain":"macro","category":"Economy & Macro","keywords":["Economy & Macro","World Bank","South Africa","2024"],"publisher":"World Bank","frequency":"Annual","geography":"South Africa","temporal_coverage":"2008/2024","unit":"% of total gross loans","last_updated":"2026-07-27","last_updated_text":"27 July 2026","data_as_of":"2024","variable_measured":"South Africa 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=ZA"}],"meta":[{"label":"Frequency","value":"Annual"},{"label":"Coverage","value":"2008–2024"},{"label":"Observations","value":"17"},{"label":"Geography","value":"South Africa"},{"label":"Last updated","value":"27 July 2026"}],"kpis":[{"label":"South Africa (2024)","value":"4.5","unit":"% of total gross loans","trend":{"direction":"down","value":"-0.2pp YoY"}},{"label":"YoY Change","value":"-0.2pp","unit":"percentage points"},{"label":"Trend","value":"down","unit":""},{"label":"Series length","value":"17","unit":"years of data"}],"series":[{"key":"value","label":"South Africa Bank Non-Performing Loans Ratio"}],"observation_count":17,"observations":[{"period":"2008","value":3.92151508288564},{"period":"2009","value":5.93611112398251},{"period":"2010","value":5.79213600421704},{"period":"2011","value":4.68085453063316},{"period":"2012","value":4.04289177410579},{"period":"2013","value":3.64128702921644},{"period":"2014","value":3.24484679094119},{"period":"2015","value":3.12168564309893},{"period":"2016","value":2.85780789685003},{"period":"2017","value":2.84200004498428},{"period":"2018","value":3.72802083553832},{"period":"2019","value":3.8923903817602},{"period":"2020","value":5.18028329482246},{"period":"2021","value":4.4542556212951},{"period":"2022","value":4.14167269623936},{"period":"2023","value":4.72216238902933},{"period":"2024","value":4.53555112448807}],"table":{"columns":[{"key":"year","label":"Year"},{"key":"value","label":"% of total gross loans"},{"key":"yoyChange","label":"YoY Change"}],"rows":[{"year":"2024","value":"4.5","yoyChange":"-0.2pp"},{"year":"2023","value":"4.7","yoyChange":"+0.6pp"},{"year":"2022","value":"4.1","yoyChange":"-0.4pp"},{"year":"2021","value":"4.5","yoyChange":"-0.7pp"},{"year":"2020","value":"5.2","yoyChange":"+1.3pp"},{"year":"2019","value":"3.9","yoyChange":"+0.2pp"},{"year":"2018","value":"3.7","yoyChange":"+0.9pp"},{"year":"2017","value":"2.8","yoyChange":"-0.1pp"},{"year":"2016","value":"2.9","yoyChange":"-0.2pp"},{"year":"2015","value":"3.1","yoyChange":"-0.1pp"},{"year":"2014","value":"3.2","yoyChange":"-0.4pp"},{"year":"2013","value":"3.6","yoyChange":"-0.4pp"},{"year":"2012","value":"4.0","yoyChange":"-0.7pp"},{"year":"2011","value":"4.7","yoyChange":"-1.1pp"},{"year":"2010","value":"5.8","yoyChange":"-0.1pp"},{"year":"2009","value":"5.9","yoyChange":"+2.0pp"},{"year":"2008","value":"3.9","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 South Africa 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 2008–2024 (17 observations)."},{"question":"What is the long-term trend?","answer":"The series peaked at 5.9 % of total gross loans in 2009 and reached its lowest recorded value of 2.8 in 2017. The latest reading of 4.5 in 2024 represents a change of -0.2pp."}]}