Raiffeisenbank Bulgaria's non-performing loans reached 11.0% of total loans at the end of 2015, down from 13.3% when compared to the previous year. Historically, the NPL ratio hit an all time high of 13.3% in 2014 and an all time low of 0.467% in 2007.
Provision coverage amounted to 66.3% at the end of 2015, up from 57.7% compared to a year earlier.
The bank created loan loss provisions worth of 1.70% of average loans in 2015. That's compared to 2.89% of loans the bank put aside to its cost on average in the last five years.