Bank Handlowy's non-performing loans reached 3.20% of total loans at the end of 2015, down from 5.77% when compared to the previous year. Historically, the NPL ratio hit an all time high of 29.8% in 2003 and an all time low of 3.20% in 2015.
Provision coverage amounted to 93.6% at the end of 2015, up from 89.3% compared to a year earlier.
The bank created loan loss provisions worth of -0.096% of average loans in 2015. That's compared to 0.104% of loans the bank put aside to its cost on average in the last five years.