The total non-performing loans (NPLs) in Italy stood at 9.71 units in 2023. Over the past years, there has been a noticeable decline from the peak value of 18.06 units in 2015. Specifically, from 2021 to 2023, the yearly percentage variation in NPLs continued its downward trend, decreasing by an average annual rate of -1.61% over the last five years, which indicates a consistent effort in managing and reducing NPLs. The projected value for 2028 is 8.78 units, reflecting a total forecasted 5-year growth rate of -7.78%.

Future trends to watch for include:

Potential economic shifts that could affect the rate of repayment and loan defaults.
Regulatory changes aimed at further reducing NPLs.
Banking sector reforms and their impact on NPL management.
Technological advancements in risk assessment and management practices.
Overall economic health and recovery from recent global financial challenges.