Bosnia and Herzegovina | Bank nonperforming loans to total gross loans (%)
Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue. Development relevance: The size and mobility of international capital flows make it increasingly important to monitor the strength of financial systems. Robust financial systems can increase economic activity and welfare, but instability can disrupt financial activity and impose widespread costs on the economy. The ratio of bank nonperforming loans to total gross loans measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. A high ratio may signal deterioration of the credit portfolio. Limitations and exceptions: 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. Statistical concept and methodology: The ratio of bank nonperforming loans to total gross loans is the value of nonperforming loans (gross value of the loan as recorded on the balance sheet) divided by the total value of the loan portfolio (including nonperforming loans before the deduction of loan loss provisions). It measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. International guidelines recommend that loans be classified as nonperforming when payments of principal and interest are 90 days or more past due or when future payments are not expected to be received in full. Data are submitted by national authorities to the IMF following the Financial Soundness Indicators (FSI) Compilation Guide. For country specific metadata, including reporting period, please refer to the GFSR FSI Tables and the Data and Metadata Tables available through FSIs website: http://data.imf.org/.
Publisher
The World Bank
Origin
Bosnia and Herzegovina
Records
63
Source
Bosnia and Herzegovina | Bank nonperforming loans to total gross loans (%)
1960
1961
1962
1963
1964
1965
1966
1967
1968
1969
1970
1971
1972
1973
1974
1975
1976
1977
1978
1979
1980
1981
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000 21.21596483
2001 17.90710073
2002 11.01721963
2003 8.38582573
2004 6.07354427
2005 5.27560001
2006 3.9987615
2007 3.01859192
2008 3.09119803
2009 5.87120725
2010 11.42178218
2011 11.79971408
2012 13.46568823
2013 15.11984787
2014 14.16531238
2015 13.70841587
2016 11.77771908
2017 10.04627515
2018 8.77033548
2019 7.41165706
2020 6.12240216
2021 5.77886406
2022 4.5384661
Bosnia and Herzegovina | Bank nonperforming loans to total gross loans (%)
Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue. Development relevance: The size and mobility of international capital flows make it increasingly important to monitor the strength of financial systems. Robust financial systems can increase economic activity and welfare, but instability can disrupt financial activity and impose widespread costs on the economy. The ratio of bank nonperforming loans to total gross loans measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. A high ratio may signal deterioration of the credit portfolio. Limitations and exceptions: 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. Statistical concept and methodology: The ratio of bank nonperforming loans to total gross loans is the value of nonperforming loans (gross value of the loan as recorded on the balance sheet) divided by the total value of the loan portfolio (including nonperforming loans before the deduction of loan loss provisions). It measures bank health and efficiency by identifying problems with asset quality in the loan portfolio. International guidelines recommend that loans be classified as nonperforming when payments of principal and interest are 90 days or more past due or when future payments are not expected to be received in full. Data are submitted by national authorities to the IMF following the Financial Soundness Indicators (FSI) Compilation Guide. For country specific metadata, including reporting period, please refer to the GFSR FSI Tables and the Data and Metadata Tables available through FSIs website: http://data.imf.org/.
Publisher
The World Bank
Origin
Bosnia and Herzegovina
Records
63
Source