In 2009, non-performing loans accounted for 4.94% of all loans, exceeding 10% in September 2010 and reaching 11.23% at the end of that year. At the end of 2011, the share of non-performing loans rose to 12.43%, crossing 14% last September and reaching its peak at the end of this past March.
Companies accounted for the biggest share of non-performing loans, 26.24% or HRK 28.6 billion, up 1.3% from the end of 2012 and 5.2% from the end of March 2012.
Retail loans accounted for HRK 12.2 billion in non-performing loans, a share of 9.67%. Their share was 8.74% at the end of March 2012 and 9.49% at the end of 2012. Housing loans accounted for 6.36% of non-performing retail loans, or HRK 3.35 billion.
Loans in the national currency totalled nearly HRK 74 billion, of which 16.98% were non-performing (HRK 12.5 billion). Those tied to the euro amounted to HRK 180.9 billion, of which 13.68% were non-performing (HRK 24.7 billion), while those pegged to the Swiss franc totalled HRK 27.2 billion, of which 13.65% (HRK 3.7 billion) were non-performing.