Congo, Rep.: Bank nonperforming loans to total gross loans (%)

Key figures

What the numbers say

In 2023, Congo, Rep.'s bank nonperforming loans to total gross loans (%) fell 1.61 percentage points on 2022 (from 16.83% to 15.22%).

Across the 12 yearly changes before that (2011 to 2022), the average change was +1.32 percentage points and a typical year strayed about 4.13 percentage points from that (the standard deviation). This year's change was 0.7 standard deviations below that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

On record, the biggest yearly rise was 8.17 percentage points in 2017 and the biggest yearly fall was 6.49 percentage points in 2020. The numbers show how large and when, not why; for the cause, look at what happened in that country in those years.

From 2014 to 2023 the straight-line trend is upward, about 1.58 percentage points a year. A straight line explains 37% of the movement over 10 observed years.

Worked out from the yearly values above. How the checks work: standard deviation, z-scores and straight-line trends.

How it compares

In 2023, Congo, Rep. had the 4th highest value of the 10 economies reporting that year. Higher is not always better: for some indicators the lowest value is the one to aim for. See the full ranking.

Closest to Congo, Rep. in the 2023 ranking

• Chad — 1st of 10: 31.51%
• Equatorial Guinea — 2nd of 10: 31.15%
• Central African Republic — 3rd of 10: 16.22%
• Cameroon — 5th of 10: 12.89%
• Gabon — 6th of 10: 7.58%
• Papua New Guinea — 7th of 10: 5.42%

What this measures

The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.

Limitations: Reporting countries compile the data using different methodologies, which may also vary for different points in time for the same country. Users are advised to consult the accompanying metadata on the IMF FSI website (data.imf.org) to conduct more meaningful cross-country comparisons or to assess the evolution of the indicator for any of the countries.

Regional and income-group figures are computed by the World Bank as a ratio of non-performing/total loan portfolio.

All 14 values

Bank nonperforming loans to total gross loans (%) in nearby economies

• Angola — 14.13% (2024)
• Botswana — 3.32% (2025)
• Cameroon — 12.89% (2023)
• Central African Republic — 16.22% (2023)
• Chad — 31.51% (2023)
• Comoros — 14.1% (2022)
• Equatorial Guinea — 31.15% (2023)
• Eswatini — 6.74% (2025)
• Gabon — 7.58% (2023)
• Gambia, The

More financial sector data for Congo, Rep.

• GDP deflator (base year varies by country) — 196.17 (2025)
• DEC alternative conversion factor (LCU per US$) — US$581.93 (2025)
• Official exchange rate (LCU per US$, period average) — US$581.93 (2025)
• Inflation, GDP deflator (annual % growth) — -3.42% (2025)
• Domestic credit to private sector by banks (% of GDP) — 13.72% (2023)
• Net foreign assets (current LCU) — 230.97 billion (2023)
• Monetary sector credit to private sector (% of GDP) — 13.79% (2023)
• Broad money (current LCU) — 2.64 trillion (2023)
• Broad money (% of GDP) — 28.4% (2023)
• Broad money to total reserves ratio

Reading data like this

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Questions people ask

What is Congo, Rep.'s bank nonperforming loans to total gross loans (%)?

15.22% in 2023, according to the World Bank (World Development Indicators).

How has it changed since 2010?

It is up 14.26 percentage points from 0.96% in 2010. The highest value was 27.54% in 2019 and the lowest 0.96% in 2010.

How does Congo, Rep. rank?

4th highest of 10 economies with data for 2023.

Is the latest change in bank nonperforming loans to total gross loans (%) unusual for Congo, Rep.?

In 2023, Congo, Rep.'s bank nonperforming loans to total gross loans (%) fell 1.61 percentage points on 2022 (from 16.83% to 15.22%). Across the 12 yearly changes before that (2011 to 2022), the average change was +1.32 percentage points and a typical year strayed about 4.13 percentage points from that (the standard deviation). This year's change was 0.7 standard deviations below that average, so it was an ordinary year: it sits within the range of normal year-to-year movement.

Source

World Bank, World Development Indicators, indicator FB.AST.NPER.ZS, licensed CC BY 4.0. Original source: Financial Soundness Indicators, International Monetary Fund (IMF), uri: https://data.imf.org/en/datasets/IMF:EXTERNAL_DATASET_CARDS/IMF.STA:LFSI Figures are fetched from the World Bank API and refreshed monthly; see the series on data.worldbank.org. The full definition and method are in the World Bank's metadata glossary. Comparisons use the same World Bank release.

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