In 2023, the ratio of Bank Nonperforming Loans to Total Gross Loans in the Netherlands was at 1.62%. By 2024, this is forecasted to decrease to 1.59%, marking a year-on-year reduction of approximately 1.85%. For 2025, the forecasted value further reduces to 1.56%, showing a yearly decrease of about 1.89%. By 2026, this trend continues with the value reaching 1.53%, which is around 1.92% lower than the previous year. In 2027 and 2028, the values are projected at 1.5% and 1.47%, respectively, each exhibiting an annual reduction of approximately 1.96%. Over the next five years, the average compounded annual growth rate (CAGR) is estimated to be around -1.99%.

Future trends to watch for:

The impact of economic developments and potential market disruptions on the rate of nonperforming loans.
Regulatory changes that might affect loan performance and banking practices.
Technological advancements in credit risk assessment and management.
Trends in borrower behavior and credit utilization.