FSC year-end releases show domestic-bank NPL ratios staying around 0.14%–0.17%.
This trend captures the unusually low reported bad-loan ratio in Taiwan’s domestic banking system. The year-end series stays in a very narrow 0.14% to 0.17% band. The latest release also reports a high allowance coverage ratio, giving a second view of asset-quality buffers.
Source 1: NPL Ratio for Domestic Banks as of the End of December 2025
Publisher: Financial Supervisory Commission
Dataset/table: Domestic bank NPL release
Units: Percent; NT$ billion
Date checked: 2026-05-07
Status: verified
Note: FSC reports the 2025 year-end average NPL ratio at 0.15% and the coverage ratio at 917.43%.
Source 2: NPL Ratio for Domestic Banks as of the End of December 2024
Publisher: Financial Supervisory Commission
Dataset/table: Domestic bank NPL release
Units: Percent; NT$ billion
Date checked: 2026-05-07
Status: verified
Note: FSC reports the 2024 year-end average NPL ratio at 0.15%.
Source 3: NPL Ratio for Domestic Banks as of the End of December 2023
Publisher: Financial Supervisory Commission
Dataset/table: Domestic bank NPL release
Units: Percent; NT$ billion
Date checked: 2026-05-07
Status: verified
Note: FSC reports the 2023 year-end average NPL ratio at 0.14%.
Source 4: NPL Ratio for Domestic Banks as of the End of December 2022
Publisher: Financial Supervisory Commission
Dataset/table: Domestic bank NPL release
Units: Percent; NT$ billion
Date checked: 2026-05-07
Status: verified
Note: FSC reports the 2022 year-end average NPL ratio at 0.15%.
Source 5: NPL Ratio for Domestic Banks as of the End of December 2021
Publisher: Financial Supervisory Commission
Dataset/table: Domestic bank NPL release
Units: Percent; NT$ billion
Date checked: 2026-05-07
Status: verified
Note: FSC reports the 2021 year-end average NPL ratio at 0.17%.
Bank count changes across years: 39 banks in 2022 and 38 banks in 2024–2025. The metric is the average NPL ratio reported by the FSC.
FSC reports the 2025 year-end average NPL ratio at 0.15% and the coverage ratio at 917.43%.
FSC reports the 2024 year-end average NPL ratio at 0.15%.
FSC reports the 2023 year-end average NPL ratio at 0.14%.
FSC reports the 2022 year-end average NPL ratio at 0.15%.
FSC reports the 2021 year-end average NPL ratio at 0.17%.
Use FSC year-end press releases for domestic banks. Each point is the average NPL ratio at the end of December. The 2025 support note uses the FSC’s December 2025 allowance coverage ratio.
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