Getin Holding's non-performing loans reached 12.4% of total loans at the end of 2015, up from 11.7% when compared to the previous year. Historically, the NPL ratio hit an all time high of 29.7% in 2004 and an all time low of 4.63% in 2008.
Provision coverage amounted to 57.0% at the end of 2015, down from 59.7% compared to a year earlier.
The bank created loan loss provisions worth of 3.15% of average loans in 2015. That's compared to 3.73% of loans the bank put aside to its cost on average in the last five years.