The NPL Barometer 2026 shows an elevated business climate in the German NPL market. Banks expect non-performing loans to reach €53.1 billion by the end of 2027, with commercial real estate and SMEs under particular pressure.
The EBA Risk Dashboard for Q4 2025 shows the EU NPL ratio at a record low while Germany’s rises to its highest since 2018 — driven by commercial real estate and SME lending.
Germany’s financial supervisor BaFin has published its 2026 risk assessment. For banks and loan
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