Non-performing loans ratio in Bosnia-Herzegovina 2007-2022

The ratio of non-performing loans (NLP) to total gross loans in Bosnia-Herzegovina decreased by 1.2 percentage points (-20.76 percent) in 2022 in comparison to the previous year. Nevertheless, the last two years recorded a significantly higher ratio than the preceding years.A nonperforming loan (NPL) is a loan that is unfulfilled due to the fact that the borrower has not made the scheduled payments for a specified period. In banking, commercial loans are considered nonperforming if the borrower is 90 days past due.

在波斯尼亚和黑塞哥维那，2022年不良贷款（NPL）与总贷款总额之比较上一年下降了1.2个百分点（-20.76%）。尽管如此，过去两年记录的不良贷款比率显著高于前几年。不良贷款（NPL）是指由于借款人未按指定期限履行还款义务而未能实现的贷款。在银行业，如果借款人逾期90天以上，则商业贷款被视为不良贷款。