Non-performing loans as a share of bank loans fell 15.4% to 4.22% in Zambia in 2023, according to the National Central Bank.
Historically, non-performing loans as a share of bank loans in Zambia reached an all time high of 27.2% in 2009 and an all time low of 4.22% in 2023.
Zambia has been ranked 43rd within the group of 118 countries we follow in terms of non-performing loans as a share of bank loans, 4 places below the position seen 10 years ago.
| Non-Performing Loans (As % of Total Loans) | Unit | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
| Angola | % | ... | ... | ... | ... | ... | ... | 23.2% | 23.1% | 12.2% | 15.0% | ... | ... | ... | ||||||||
| Botswana | % | ... | ... | ... | ... | ... | ... | ... | ... | 5.43% | 4.79% | 4.32% | 4.24% | 3.75% | ||||||||
| Central African Republic | % | ... | ... | ... | ... | ... | ... | 17.6% | 16.1% | 17.5% | 13.9% | 14.5% | ... | |||||||||
| Congo (DRC) | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 6.49% | 5.51% | 7.70% | 5.20% | 7.43% | ||
| Congo (ROC) | % | ... | ... | ... | ... | ... | ... | 22.5% | 27.5% | 21.0% | 16.9% | 16.8% | ... | |||||||||
| Kenya | % | ... | ... | 12.0% | 9.75% | 11.9% | 10.9% | 10.8% | ||||||||||||||
| Mozambique | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | 11.1% | 10.2% | 9.83% | 10.6% | 8.97% | ... | ||||||
| Namibia | % | ... | ... | ... | ... | ... | ... | 3.58% | 4.56% | 6.39% | 6.37% | 5.52% | ||||||||||
| South Africa | % | ... | ... | ... | ... | 3.73% | 3.89% | 5.18% | 4.45% | 4.14% | ||||||||||||
| Tanzania | % | ... | ... | ... | ... | ... | ... | 9.93% | 9.61% | 8.70% | 7.63% | 6.43% | ... | ... | ||||||||
| Uganda | % | ... | 3.32% | 4.56% | 5.34% | 5.32% | 5.10% | ... | ||||||||||||||
| Zambia | % | ... | ... | ... | 11.0% | 8.91% | 11.6% | 5.82% | 4.98% | ... | ||||||||||||
| Zimbabwe | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
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