1.92%。 By the end of 2020, the balance of non-performing loans was 3.5 trillion yuan, an increase of 2810.60 billion yuan compared with the beginning of the year. The NPL ratio was 65,438+0.92%, down 0.06 percentage point from the beginning of the year. Loans overdue for more than 90 days accounted for 76% of non-performing loans, down 5. 1 percentage point from the beginning of the year. So it can be seen that the NPL ratio in 2020 is 65,438.