The ratio of Bank Nonperforming Loans to Total Gross Loans in France decreased from 4.5 in 2013 to 2.38 in 2023, reflecting a significant overall improvement in loan quality. The year-on-year decline from 2022 to 2023 was -0.83%, while the total decrease over the last two years was -0.8%. The five-year period leading up to 2023 saw a CAGR of -2.95%, underscoring a consistent trend of improvement in asset quality.
Looking ahead, forecasted data suggests a continued downward trend, with the ratio expected to fall to 2.24 by 2028. However, the projected five-year CAGR is -0.91%, indicating a slower pace of improvement.
Future trends to watch for include economic uncertainties due to global financial conditions, regulatory changes, and potential impacts from emerging financial technologies that could influence nonperforming loan ratios.