Benelux: non-performing loan ratio 2021

The non-performing loan (NPL) ratio measures the rate at which a bank's loans, such as mortgages, are not repaid. In the EU, the NPL ratio showed a decrease between September 2016 and September 2021. The Netherlands and Belgium followed this trend, with the ratio staying roughly the same in Luxembourg. A large part of the private debt in the Netherlands is comprised of mortgages. Between 2006 and 2019, the total mortgage debt from households in the Netherlands increased from approximately 548 billion euros in 2006 to approximately 734.5 billion euros in 2019.

Non-performing loan (NPL) ratio in Belgium, Luxembourg and the Netherlands (Benelux) compared to the EU from September 2016 to September 2021

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Release date

January 2022

More information

Region

Belgium, Luxembourg, Netherlands

Survey time period

September 2016 to September 2021

Special properties

The figures have been taken from several publications

Supplementary notes

The source states that "individual country data includes subsidiaries, which are excluded from EU aggregate. For example, at country level the subsidiary in country X of a bank domiciled in country Y is included both in data for countries X and Y (for the latter as part of the consolidated entity). In the EU aggregate, only the consolidated entity domiciled in country Y is considered. The sample of banks is unbalanced and reviewed annually."

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