CountryGeographyHistorical Max NPL Ratio (%)Latest NPL Ratio (%)UE_lag1_2020UE_lag1_2021RGDP_2020RGDP_2021COVID Max NPL Ratio (%)Percentage Increase
AustriaWestern Europe3.47
1.63
7.06
333
BelgiumWestern Europe4.24
2
5.96
198
CyprusWestern Europe47.75
19.4
33.22
71
DenmarkWestern Europe5.95
1.72
4.63
169
FinlandWestern Europe1.67
1.39
1.88
35
FranceWestern Europe6.3
2.5
7.48
199
GermanyWestern Europe5.2
1.3
3.31
155
GreeceWestern Europe45.57
35.2
53
51
IrelandWestern Europe25.71
3.3
9.72
195
ItalyWestern Europe18.06
6.7
20.26
202
LuxembourgWestern Europe0.9
0.74
1.83
147
MaltaWestern Europe13
3.21
10.24
219
NetherlandsWestern Europe3.23
1.86
5.37
189
NorwayWestern Europe2
0.8
6.72
740
PortugalWestern Europe17.48
6.5
11.84
82
San MarinoWestern Europe54.05
53.02
69.16
30
SpainWestern Europe9.38
3.16
10.56
234
SwedenWestern Europe2.6
0.58
3.42
490
SwitzerlandWestern Europe5.2
0.67
2.81
319
United KingdomWestern Europe3.96
1.3
4.13
218
AlbaniaEastern Europe23.49
8.37
27.3
226
ArmeniaEastern Europe17.5
5.51
9.07
65
BelarusEastern Europe14.9
4.63
9.59
107
Bosnia and HerzegovinaEastern Europe17.9
7.41
9.2
24
BulgariaEastern Europe26.7
7.2
6.91
-4
CroatiaEastern Europe16.71
6.99
11.93
71
Czech RepublicEastern Europe29.3
3.14
8.02
155
EstoniaEastern Europe5.38
0.36
2.14
494
GeorgiaEastern Europe11.6
1.93
6.96
261
HungaryEastern Europe16.83
1.51
5.97
295
IsraelEastern Europe9.9
1.23
5.84
375
LatviaEastern Europe15.93
5
8.25
65
LithuaniaEastern Europe23.99
1.5
10.96
631
MoldovaEastern Europe18.38
8.49
13.35
57
North MacedoniaEastern Europe41.3
4.62
10.2
121
PolandEastern Europe21.2
3.85
8.08
110
RomaniaEastern Europe21.87
4.1
18.47
350
RussiaEastern Europe17.3
9.29
11.31
22
SerbiaEastern Europe24.1
14.9
18.28
23
Slovak RepublicEastern Europe31.6
2.87
6.02
110
SloveniaEastern Europe15.18
3.36
12.37
268
TurkeyEastern Europe29.3
5.02
25.62
410
UkraineEastern Europe59.76
48.36
52.86
9
AustraliaAsia & Oceania2.15
0.96
3.27
241
Brunei DarussalamAsia & Oceania9.36
3.9
6.35
63
ChinaAsia & Oceania29.8
1.83
6.68
265
FijiAsia & Oceania5.68
3.09
8.17
164
Hong Kong SARAsia & Oceania7.3
0.57
2.92
412
IndonesiaAsia & Oceania48.6
2.43
7.12
193
JapanAsia & Oceania8.4
2.31
4.19
81
KazakhstanAsia & Oceania20.93
7.39
21.28
188
KoreaAsia & Oceania7.4
0.35
3.33
851
Kyrgyz RepublicAsia & Oceania14.78
7.73
16.37
112
MalaysiaAsia & Oceania18.6
1.52
9.04
495
PakistanAsia & Oceania23.4
8.58
16.91
97
PhilippinesAsia & Oceania14.6
1.97
5.88
198
SingaporeAsia & Oceania8
1.31
4.54
247
ThailandAsia & Oceania42.9
3.13
11.18
257
VietnamAsia & Oceania3.44
1.8
2.75
53
ArgentinaAmericas18.1
5.63
11.71
108
BoliviaAmericas17.7
1.87
8.21
339
BrazilAmericas10.2
3.11
13.66
339
CanadaAmericas1.6
0.45
2.36
424
ChileAmericas2.93
1.87
5.16
176
ColombiaAmericas13.6
4.17
9.9
137
Costa RicaAmericas3.5
2.32
11.54
397
Dominican RepublicAmericas8.7
1.62
5.65
249
EcuadorAmericas31
3.15
10.39
230
El SalvadorAmericas4.3
1.72
7.13
315
HondurasAmericas11.2
2.26
10.01
343
MexicoAmericas11.3
2.15
6.98
225
NicaraguaAmericas5.2
2.43
9.92
308
PanamaAmericas3.5
1.74
3.86
122
ParaguayAmericas20.6
2.56
9.13
257
PeruAmericas14.8
3.27
11.06
238
Trinidad and TobagoAmericas6.19
3.04
7.32
141
United StatesAmericas4.96
0.91
2.9
219
UruguayAmericas33.9
2.26
8.21
263
AlgeriaAfrica & Middle East21.14
12.7
31.51
148
JordanAfrica & Middle East19.3
5.39
35.86
565
MauritiusAfrica & Middle East9.1
6.52
21.07
223
MoroccoAfrica & Middle East19.4
13.86
19.52
41
SeychellesAfrica & Middle East9.22
8.12
20.22
149
South AfricaAfrica & Middle East5.94
3.73
32.96
784
TunisiaAfrica & Middle East32.56
32.56
39.78
22