The European Voice for NPL Markets

BKS | The European NPL Alliance is the European initiative of the Bundesvereinigung Kreditankauf und Servicing e. V. (BKS), the German NPL association founded in 2007. Launched in 2026, the Alliance takes BKS’s established work – advocacy, market intelligence and standards – to the European level, reflecting the increasingly European nature of the NPL business.

NPL Barometer & data platform

The German NPL market in figures

Supervisory key figures, updated quarterly – and ten years of market sentiment from the NPL Barometer.

1.61%
NPL ratio, Germany (Q1 2026)
6.8%
Commercial real estate (CRE)
15.0%
Stage 2 ratio – early indicator
50.1 bn €
NPL stock, Germany

Source: EBA Risk Dashboard · BKS data platform, as of Q1 2026

NPL Barometer · Overall climate since 2015

Annual figures – average where two surveys were conducted in a year. Scale −1 (contracting market) to +1 (growing market). Source: NPL Barometer, BKS / Frankfurt School.

Events

NPL Germany 2026 – Frankfurt, 26 November 2026
26 November 2026 · Frankfurt

NPL Germany 2026

The international conference on Germany’s distressed-debt market – buyers and sellers meet in Frankfurt on 26 November 2026. Organised by SmithNovak; BKS is a partner.

Why the Alliance

What membership means at European level

01

Advocacy in Brussels

A single, evidence-based voice in dialogue with the European Commission, the EBA and the ECB – advocating for proportionate regulation across the single market.

02

Market intelligence

The NPL Barometer and associated research give members structured, comparable market data – a factual basis for strategy and investment decisions.

03

Standards & network

The binding BKS Code of Conduct, Expert Groups, and cross-border exchange with Europe’s NPL community of investors, servicers, banks and advisers.

Join the European NPL Alliance

Join the association that represents Europe’s NPL market. Membership connects you to advocacy, market data, standards and the network.