ING Bank Slaski's non-performing loans reached 3.06% of total loans at the end of 2015, down from 3.79% when compared to the previous year. Historically, the NPL ratio hit an all time high of 26.5% in 2002 and an all time low of 2.08% in 2008.
Provision coverage amounted to 68.2% at the end of 2015, down from 72.5% compared to a year earlier.
The bank created loan loss provisions worth of 0.348% of average loans in 2015. That's compared to 0.518% of loans the bank put aside to its cost on average in the last five years.