The total loans of commercial banks in Malaysia in 2023 amounted to approximately 1.25 trillion Malaysian ringgit, an increase compared to the previous year. The annual value of loans of commercial banks in the country has been gradually increasing every year.

Key information about Malaysia Non Performing Loans Ratio

• Malaysia Non Performing Loans Ratio stood at 1.5 % in Jan 2025, compared with the ratio of 1.4 % in the previous month
• Malaysia Non Performing Loans Ratio data is updated monthly, available from Dec 2005 to Jan 2025
• The data reached an all-time high of 9.5 % in Feb 2006 and a record low of 1.4 % in Sep 2020

CEIC calculates monthly Non Performing Loans Ratio from monthly Non Performing Loans and monthly Total Loans. Bank Negara Malaysia provides Non Performing Loans and Total Loans. Non Performing Loans are defined as loans overdue for more than 90 days. Non Performing Loans Ratio prior to July 2021 is based on the old methodology.


Further information about Malaysia Non Performing Loans Ratio

• In the latest reports, Money Supply M2 in Malaysia increased 3.4 % YoY in Jan 2025
• Malaysia Foreign Exchange Reserves was measured at 108.1 USD bn in Feb 2025
• The Foreign Exchange Reserves equaled 6.3 Months of Import in May 2023
• The country's Domestic Credit reached 634.4 USD bn in Jan 2025, representing an increased of 4.3 % YoY
• Household Debt of Malaysia reached 334.3 USD bn in Dec 2023, accounting for 84.2 % of the country's Nominal GDP

CB: Ratio of Net Impaired Loan to Net Total Loan data was reported at 0.892 % in Mar 2025. This records a decrease from the previous number of 0.921 % for Feb 2025. CB: Ratio of Net Impaired Loan to Net Total Loan data is updated monthly, averaging 1.102 % from Jul 2021 (Median) to Mar 2025, with 45 observations. The data reached an all-time high of 1.284 % in Sep 2021 and a record low of 0.892 % in Mar 2025. CB: Ratio of Net Impaired Loan to Net Total Loan data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KB052: Impaired Loans and Impairment Provision.

As of the end of 2023, more than half or approximately 56 percent of the total loans from commercial banks in Malaysia came from the household sector. The second-largest share of loans in commercial banks in the country was in the finance, insurance, real estate, and business sector, with nearly 14 percent of the share.

Malaysia Ratio of Total Provisions to Total Loan/Financing: CI data was reported at 1.467 % in Sep 2018. This records a decrease from the previous number of 1.497 % for Aug 2018. Malaysia Ratio of Total Provisions to Total Loan/Financing: CI data is updated monthly, averaging 1.497 % from Jan 2018 (Median) to Sep 2018, with 9 observations. The data reached an all-time high of 1.519 % in Jul 2018 and a record low of 1.467 % in Sep 2018. Malaysia Ratio of Total Provisions to Total Loan/Financing: CI data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KB042: Impaired Loans and Impairment Provision.

In 2023, the household sector had the largest amount of financing from Islamic banks in Malaysia, with a total of approximately 560 billion Malaysian ringgit. The second-largest sector that had financing from Islamic banks was finance, insurance, real estate and business sector, with more than 100 billion Malaysian ringgit.

Graph and download economic data for Amount Outstanding of Total Debt Securities in General Government Sector, All Maturities, Residence of Issuer in Malaysia (TDSAMRIAOGGMY) from Q1 2005 to Q4 2022 about Malaysia, sector, maturity, debt, residents, securities, and government.

In 2023, the value of total financing from Islamic banks in Malaysia amounted to approximately 889 billion Malaysian ringgit. This was an increase from around 823.62 billion Malaysian ringgit in the previous year. The value of financing of Islamic banks in the country has been increasing over the past decade.

Bank Lending Rate in Malaysia decreased to 4.92 percent in April from 4.97 percent in March of 2025. This dataset provides - Malaysia Bank Lending Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Malaysia Ratio of Total Provisions to Total Loan/Financing: IB data was reported at 1.216 % in Sep 2018. This records an increase from the previous number of 1.177 % for Aug 2018. Malaysia Ratio of Total Provisions to Total Loan/Financing: IB data is updated monthly, averaging 1.140 % from Jan 2018 (Median) to Sep 2018, with 9 observations. The data reached an all-time high of 1.216 % in Sep 2018 and a record low of 1.067 % in May 2018. Malaysia Ratio of Total Provisions to Total Loan/Financing: IB data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KB042: Impaired Loans and Impairment Provision.

Forecast: Bank Nonperforming Loans to Total Gross Loans in Malaysia 2024 - 2028 Discover more data with ReportLinker!

The real interest rate in Malaysia increased by 9.7 percentage points compared to the previous year. Therefore, the real interest rate in Malaysia reached a peak in 2023 with 7.32 percent. Real interest rate is the adjusted lending interest rate to remove the effects of inflation, as measured by the GDP deflator (implicit price deflator).Find more statistics on other topics about Malaysia with key insights such as number of automated teller machines (ATMs), deposit interest rate, and broad money as a percentage of GDP.

Malaysia Loans: IB: Islamic Banking Scheme (IBS): Total data was reported at 5,083.178 MYR mn in May 2018. This records an increase from the previous number of 4,889.041 MYR mn for Apr 2018. Malaysia Loans: IB: Islamic Banking Scheme (IBS): Total data is updated monthly, averaging 1,084.188 MYR mn from Dec 2006 (Median) to May 2018, with 138 observations. The data reached an all-time high of 40,749.334 MYR mn in Dec 2007 and a record low of 505.892 MYR mn in Mar 2013. Malaysia Loans: IB: Islamic Banking Scheme (IBS): Total data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KA021: Loans: Outstanding: By Sector and Purpose: Islamic Banking System.

Official bilateral loans, total in Malaysia was reported at 1289000000 in 2022, according to the World Bank collection of development indicators, compiled from officially recognized sources. Malaysia - Official bilateral loans, total - actual values, historical data, forecasts and projections were sourced from the World Bank on May of 2025.

In April 2025, global inflation rates and central bank interest rates showed significant variation across major economies. Most economies initiated interest rate cuts from mid-2024 due to declining inflationary pressures. The U.S., UK, and EU central banks followed a consistent pattern of regular rate reductions throughout late 2024. In early 2025, Russia maintained the highest interest rate at 21 percent, while Japan retained the lowest at 0.5 percent. Varied inflation rates across major economies The inflation landscape varies considerably among major economies. China had the lowest inflation rate at -0.1 percent in April 2025. In contrast, Russia maintained a high inflation rate of 10.2 percent. These figures align with broader trends observed in early 2025, where China had the lowest inflation rate among major developed and emerging economies, while Russia's rate remained the highest. Central bank responses and economic indicators Central banks globally implemented aggressive rate hikes throughout 2022-23 to combat inflation. The European Central Bank exemplified this trend, raising rates from 0 percent in January 2022 to 4.5 percent by September 2023. A coordinated shift among major central banks began in mid-2024, with the ECB, Bank of England, and Federal Reserve initiating rate cuts, with forecasts suggesting further cuts through 2025 and 2026.

Central government debt, total (current LCU) in Malaysia was reported at 1172508729000 LCU in 2023, according to the World Bank collection of development indicators, compiled from officially recognized sources. Malaysia - Central government debt, total (current LCU) - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

This statistic shows the average inflation rate in Malaysia from 1987 to 2024, with projections up to 2030. In 2024, the average inflation rate in Malaysia amounted to about 1.83 percent compared to the previous year. Malaysia's economy is slowly recovering The inflation rate is the annual rate of increase of a price index, normally the consumer price index over time. If the same item bought today for 1 U.S. dollar is bought again one year from now, but for 1.03 U.S. dollars, then the inflation rate is at 3 percent. Generally, a low inflation rate is sought by every country, and a rate of 3 percent, as is estimated for Malaysia in the next few years, is considered low. However, there was a slight rise in Malaysia’s inflation rate, from close to 2 percent in 2010 to a little over 3 percent in 2011. In 2012, it dropped back down to its normal rate, but future estimates predict a slight increase once again. Perhaps this increase has come from initial worries concerning the country’s slowing economy as the country’s GDP growth slowed from 7.43 percent in 2010 to 5.19 percent in 2011, or its negative budget balance in relation to GDP which was at its recent worst in 2010 at -4.66 percent. At the same time, the country’s national debt was also rising, but predictions show that this trend is reversing. Yet, the economic outlook and inflation rate still appear stable for the future of Malaysia, and the inflation rate is below the global inflation rate. Furthermore, the country’s GDP continues to rise and totaled 326.93 billion U.S. dollars in 2013.

Gross Ext. Debt Pos., General Government, Long-term, All instruments, USD in Malaysia was reported at 62071989547 USD in 2024, according to the World Bank collection of development indicators, compiled from officially recognized sources. Malaysia - Gross Ext. Debt Pos., General Government, Long-term, All instruments, USD - actual values, historical data, forecasts and projections were sourced from the World Bank on June of 2025.

Loans: Banking System (BS): Total data was reported at 956,359.160 MYR mn in Feb 2025. This records an increase from the previous number of 951,981.035 MYR mn for Jan 2025. Loans: Banking System (BS): Total data is updated monthly, averaging 825,901.851 MYR mn from Jul 2021 (Median) to Feb 2025, with 44 observations. The data reached an all-time high of 956,359.160 MYR mn in Feb 2025 and a record low of 693,438.296 MYR mn in Jul 2021. Loans: Banking System (BS): Total data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KB015: Loans: Outstanding: By Islamic Contract.

Malaysia Loans: Commercial Banks (CB): Total data was reported at 1,103,981.189 MYR mn in May 2018. This records an increase from the previous number of 1,101,856.578 MYR mn for Apr 2018. Malaysia Loans: Commercial Banks (CB): Total data is updated monthly, averaging 852,472.525 MYR mn from Dec 2006 (Median) to May 2018, with 138 observations. The data reached an all-time high of 1,103,981.189 MYR mn in May 2018 and a record low of 546,024.626 MYR mn in Dec 2006. Malaysia Loans: Commercial Banks (CB): Total data remains active status in CEIC and is reported by Bank Negara Malaysia. The data is categorized under Global Database’s Malaysia – Table MY.KA022: Loans: Outstanding: By Sector and Purpose: incl Cagamas and excl Danaharta.