With the new @CEDA_BW regulations easing access to funding, I thought it would be interesting to look at the sectoral distribution of private business non-performing loans and advances at commercial banks...

What are non-performing loans? In banking, a loan is usually considered non-performing when more than 90 days pass without the borrower paying the agreed instalments or interests.

In 2018, the main contributors to total NPLs, per sector were as follows:

1. Manufacturing - 29.5%
2. Trade, restaurants & bars - 17.2%
3. Business services - 10.3%
4. Agriculture, forestry & fishing - 9%
5. Commercial real estate - 8.9%

2017 figures:

1. Manufacturing - 30.9%
2. Trade,restaurants and bars-17.1%
3. Commercial real estate - 14.1%
4. Business services - 10.3%
5. Agriculture, forestry& fishing-7.9%

In conclusion? Research your sector and find out reasons behind these NPL figures before submitting that application.