By Helgi Library - September 2, 2018
Eurobank Bulgaria made a net profit of BGN 136 mil under revenues of BGN 371 mil in 2017, up 14.0% and 1.22% respectively compared to...
By Helgi Library - September 20, 2018
Eurobank Bulgaria's mortgage loans reached BGN 1,579 mil in 2017, up 5.35% compared to the previous year. Bulgarian banking sec...
By Helgi Library - September 20, 2018
Eurobank Bulgaria generated total banking revenues of BGN 371 mil in 2017, up 1.22% compared to the previous year. Bulgari...
| Profit Statement | 2015 | 2016 | 2017 | |
| Net Interest Income | BGN mil | 236 | 274 | 284 |
| Net Fee Income | BGN mil | 60.1 | 70.1 | 80.3 |
| Other Income | BGN mil | 1.53 | 23.1 | 6.65 |
| Total Revenues | BGN mil | 298 | 367 | 371 |
| Staff Cost | BGN mil | 51.3 | 68.0 | 62.1 |
| Operating Profit | BGN mil | 160 | 204 | 221 |
| Provisions | BGN mil | 66.6 | 69.8 | 69.7 |
| Net Profit | BGN mil | 84.1 | 120 | 136 |
| Balance Sheet | 2015 | 2016 | 2017 | |
| Interbank Loans | BGN mil | 110 | 1,166 | 1,264 |
| Customer Loans | BGN mil | 3,896 | 4,214 | 4,829 |
| Total Assets | BGN mil | 5,753 | 6,818 | 7,421 |
| Shareholders' Equity | BGN mil | 914 | 1,148 | 1,237 |
| Interbank Borrowing | BGN mil | 19.9 | 21.2 | 9.03 |
| Customer Deposits | BGN mil | 4,605 | 5,524 | 6,080 |
| Issued Debt Securities | BGN mil | 161 | 79.0 | 30.4 |
| Ratios | 2015 | 2016 | 2017 | |
| ROE | % | 9.71 | 11.6 | 11.4 |
| ROA | % | 1.41 | 1.90 | 1.91 |
| Costs (As % Of Assets) | % | 2.32 | 2.59 | 2.11 |
| Costs (As % Of Income) | % | 46.3 | 44.4 | 40.5 |
| Capital Adequacy Ratio | % | 24.7 | 23.4 | 21.8 |
| Net Interest Margin | % | 3.98 | 4.35 | 3.99 |
| Loans (As % Of Deposits) | % | 84.6 | 76.3 | 79.4 |
| NPLs (As % Of Loans) | % | 10.4 | 11.8 | 8.82 |
| Provisions (As % Of NPLs) | % | 111 | 75.8 | 80.6 |
| Growth Rates | 2015 | 2016 | 2017 | |
| Total Revenue Growth | % | 9.18 | 23.0 | 1.22 |
| Operating Cost Growth | % | -7.59 | 18.1 | -7.67 |
| Operating Profit Growth | % | 29.4 | 27.3 | 8.33 |
| Net Profit Growth | % | 12,323 | 42.2 | 14.0 |
| Customer Loan Growth | % | 1.61 | 8.18 | 14.6 |
| Total Asset Growth | % | -6.28 | 18.5 | 8.84 |
| Customer Deposit Growth | % | -9.31 | 20.0 | 10.1 |
| Shareholders' Equity Growth | % | 11.8 | 25.6 | 7.72 |
| Employees | 2,207 | 2,200 | 2,200 | |
Get all company financials in excel:
| summary | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Net Interest Income | BGN mil | 244 | 210 | 196 | 211 | 236 | ||||||||||||
| Total Revenues | BGN mil | 300 | 266 | 254 | 273 | 298 | ||||||||||||
| Operating Profit | BGN mil | 141 | 111 | 102 | 124 | 160 | ||||||||||||
| Net Profit | BGN mil | 7.45 | 1.13 | 18.5 | 0.677 | 84.1 | ||||||||||||
| balance sheet | ||||||||||||||||||
| Interbank Loans | BGN mil | 848 | 668 | 846 | 1,487 | 110 | ||||||||||||
| Customer Loans | BGN mil | 4,155 | 4,035 | 3,883 | 3,834 | 3,896 | ||||||||||||
| Debt Securities | BGN mil | 178 | 192 | 158 | 192 | 564 | ||||||||||||
| Total Assets | BGN mil | 5,991 | 5,637 | 5,693 | 6,138 | 5,753 | ||||||||||||
| Shareholders' Equity | BGN mil | 787 | 795 | 821 | 817 | 914 | ||||||||||||
| Interbank Borrowing | BGN mil | 92.0 | 106 | 68.9 | 18.9 | 19.9 | ||||||||||||
| Customer Deposits | BGN mil | 4,718 | 4,413 | 4,520 | 5,077 | 4,605 | ||||||||||||
| Issued Debt Securities | BGN mil | 339 | 269 | 240 | 180 | 161 | ||||||||||||
| ratios | ||||||||||||||||||
| ROE | % | 0.949 | 0.142 | 2.29 | 0.083 | 9.71 | ||||||||||||
| ROA | % | 0.121 | 0.019 | 0.326 | 0.011 | 1.41 | ||||||||||||
| Costs (As % Of Assets) | % | 2.59 | 2.66 | 2.69 | 2.52 | 2.32 | ||||||||||||
| Costs (As % Of Income) | % | 53.0 | 58.2 | 59.9 | 54.7 | 46.3 | ||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 15.4 | 17.1 | 16.8 | 16.8 | 24.7 | |||||||||
| Net Interest Margin | % | 3.96 | 3.61 | 3.45 | 3.57 | 3.98 | ||||||||||||
| Interest Income (As % Of Revenues) | % | 81.1 | 79.0 | 77.1 | 77.4 | 79.3 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 18.0 | 20.7 | 22.4 | 21.9 | 20.2 | ||||||||||||
| Staff Cost (As % Of Total Cost) | % | 42.3 | 39.1 | 38.7 | 40.5 | 37.2 | ||||||||||||
| Equity (As % Of Assets) | % | 13.1 | 14.1 | 14.4 | 13.3 | 15.9 | ||||||||||||
| Loans (As % Of Deposits) | % | 88.1 | 91.4 | 85.9 | 75.5 | 84.6 | ||||||||||||
| Loans (As % Assets) | % | 69.3 | 71.6 | 68.2 | 62.5 | 67.7 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 9.60 | 8.59 | 9.74 | 11.9 | 10.4 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 58.0 | 85.3 | 91.9 | 92.3 | 111 | |||||||
| valuation | ||||||||||||||||||
| Book Value Per Share Growth | % | ... | -9.33 | -13.8 | -6.81 | 7.95 | 11.9 |
| income statement | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| income statement | ||||||||||||||||||
| Interest Income | BGN mil | 480 | 417 | 371 | 354 | 304 | ||||||||||||
| Interest Cost | BGN mil | 236 | 207 | 175 | 143 | 67.4 | ||||||||||||
| Net Interest Income | BGN mil | 244 | 210 | 196 | 211 | 236 | ||||||||||||
| Net Fee Income | BGN mil | 54.1 | 55.1 | 56.9 | 59.7 | 60.1 | ||||||||||||
| Other Income | BGN mil | 2.62 | 0.799 | 1.28 | 1.95 | 1.53 | ||||||||||||
| Total Revenues | BGN mil | 300 | 266 | 254 | 273 | 298 | ||||||||||||
| Staff Cost | BGN mil | 67.4 | 60.6 | 58.9 | 60.4 | 51.3 | ||||||||||||
| Depreciation | BGN mil | 10.7 | 11.1 | 9.11 | 13.9 | 11.8 | ||||||||||||
| Other Cost | BGN mil | 81.3 | 83.2 | 84.2 | 74.9 | 74.7 | ||||||||||||
| Operating Cost | BGN mil | 159 | 155 | 152 | 149 | 138 | ||||||||||||
| Operating Profit | BGN mil | 141 | 111 | 102 | 124 | 160 | ||||||||||||
| Provisions | BGN mil | 133 | 110 | 80.9 | 123 | 66.6 | ||||||||||||
| Extra and Other Cost | BGN mil | < -0.001 | < -0.001 | 0 | < 0.001 | 0 | ||||||||||||
| Pre-Tax Profit | BGN mil | 8.29 | 1.39 | 20.9 | 0.773 | 93.5 | ||||||||||||
| Tax | BGN mil | 0.845 | 0.261 | 2.37 | 0.096 | 9.44 | ||||||||||||
| Minorities | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Net Profit | BGN mil | 7.45 | 1.13 | 18.5 | 0.677 | 84.1 | ||||||||||||
| growth rates | ||||||||||||||||||
| Net Interest Income Growth | % | ... | -9.33 | -13.8 | -6.81 | 7.95 | 11.9 | |||||||||||
| Net Fee Income Growth | % | ... | -1.75 | 1.83 | 3.35 | 4.96 | 0.671 | |||||||||||
| Total Revenue Growth | % | ... | -8.71 | -11.5 | -4.51 | 7.50 | 9.18 | |||||||||||
| Operating Cost Growth | % | ... | -4.30 | -2.80 | -1.75 | -1.94 | -7.59 | |||||||||||
| Operating Profit Growth | % | ... | -13.2 | -21.3 | -8.36 | 21.6 | 29.4 | |||||||||||
| Pre-Tax Profit Growth | % | ... | -78.5 | -83.3 | 1,404 | -96.3 | 12,000 | |||||||||||
| Net Profit Growth | % | ... | -78.7 | -84.9 | 1,542 | -96.3 | 12,323 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Revenues | % | 7.65 | 6.97 | 6.85 | 7.00 | 7.22 | ||||||||||||
| Market Share in Net Profit | % | 1.57 | 0.214 | 3.67 | 0.095 | 9.36 | ||||||||||||
| Market Share in Employees | % | ... | ... | ... | ... | ... | 8.43 | 8.05 | 7.94 | 7.82 | 7.20 | |||||||
| Market Share in Branches | % | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 5.45 | 5.22 | 5.17 | 5.05 | 5.08 |
| balance sheet | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| balance sheet | ||||||||||||||||||
| Cash | BGN mil | 699 | 618 | 701 | 527 | 1,088 | ||||||||||||
| Interbank Loans | BGN mil | 848 | 668 | 846 | 1,487 | 110 | ||||||||||||
| Customer Loans | BGN mil | 4,155 | 4,035 | 3,883 | 3,834 | 3,896 | ||||||||||||
| Retail Loans | BGN mil | 1,812 | 1,986 | 2,002 | 2,033 | 2,038 | ||||||||||||
| Mortgage Loans | BGN mil | ... | ... | ... | ... | ... | 1,008 | 1,212 | 1,238 | 1,301 | 1,331 | |||||||
| Consumer Loans | BGN mil | ... | ... | ... | ... | ... | 804 | 774 | 764 | 732 | 706 | |||||||
| Corporate Loans | BGN mil | 2,343 | 2,049 | 1,881 | 1,801 | 1,858 | ||||||||||||
| Debt Securities | BGN mil | 178 | 192 | 158 | 192 | 564 | ||||||||||||
| Fixed Assets | BGN mil | 99.0 | 91.0 | 87.0 | 78.1 | 74.7 | ||||||||||||
| Total Assets | BGN mil | 5,991 | 5,637 | 5,693 | 6,138 | 5,753 | ||||||||||||
| Shareholders' Equity | BGN mil | 787 | 795 | 821 | 817 | 914 | ||||||||||||
| Of Which Minority Interest | BGN mil | 0 | 0 | 0 | 0 | 0 | ||||||||||||
| Liabilities | BGN mil | 5,204 | 4,842 | 4,872 | 5,321 | 4,838 | ||||||||||||
| Interbank Borrowing | BGN mil | 92.0 | 106 | 68.9 | 18.9 | 19.9 | ||||||||||||
| Customer Deposits | BGN mil | 4,718 | 4,413 | 4,520 | 5,077 | 4,605 | ||||||||||||
| Retail Deposits | BGN mil | 3,386 | 3,622 | 3,821 | 4,195 | 3,909 | ||||||||||||
| Corporate Deposits | BGN mil | 1,332 | 791 | 699 | 883 | 696 | ||||||||||||
| Issued Debt Securities | BGN mil | 339 | 269 | 240 | 180 | 161 | ||||||||||||
| Other Liabilities | BGN mil | 55.0 | 53.9 | 43.4 | 44.4 | 52.9 | ||||||||||||
| asset quality | ||||||||||||||||||
| Non-Performing Loans | BGN mil | ... | ... | ... | ... | ... | 422 | 374 | 415 | 514 | 460 | |||||||
| Gross Loans | BGN mil | 4,400 | 4,354 | 4,264 | 4,308 | 4,407 | ||||||||||||
| Total Provisions | BGN mil | 245 | 319 | 382 | 474 | 511 | ||||||||||||
| growth rates | ||||||||||||||||||
| Customer Loan Growth | % | ... | -0.033 | -2.88 | -3.78 | -1.25 | 1.61 | |||||||||||
| Retail Loan Growth | % | ... | -4.04 | 9.61 | 0.804 | 1.58 | 0.224 | |||||||||||
| Mortgage Loan Growth | % | ... | ... | ... | ... | ... | ... | 0.924 | 20.3 | 2.14 | 5.13 | 2.31 | ||||||
| Consumer Loan Growth | % | ... | ... | ... | ... | ... | ... | -9.60 | -3.77 | -1.30 | -4.16 | -3.48 | ||||||
| Corporate Loan Growth | % | ... | 3.30 | -12.5 | -8.22 | -4.27 | 3.18 | |||||||||||
| Total Asset Growth | % | ... | -5.05 | -5.90 | 0.997 | 7.82 | -6.28 | |||||||||||
| Shareholders' Equity Growth | % | ... | 0.598 | 1.05 | 3.24 | -0.441 | 11.8 | |||||||||||
| Customer Deposit Growth | % | ... | 1.64 | -6.45 | 2.42 | 12.3 | -9.31 | |||||||||||
| Retail Deposit Growth | % | ... | 6.60 | 6.98 | 5.51 | 9.76 | -6.81 | |||||||||||
| Corporate Deposit Growth | % | ... | -9.09 | -40.6 | -11.7 | 26.3 | -21.2 | |||||||||||
| market share | ||||||||||||||||||
| Market Share in Customer Loans | % | 7.67 | 7.25 | 6.95 | 7.44 | 7.68 | ||||||||||||
| Market Share in Corporate Loans | % | 7.02 | 5.84 | 5.36 | 5.81 | 6.10 | ||||||||||||
| Market Share in Retail Loans | % | ... | ... | ... | ... | ... | 8.02 | 7.92 | 7.75 | 7.60 | 7.44 | |||||||
| Market Share in Consumer Loans | % | 9.59 | 10.6 | 10.7 | 11.1 | 11.2 | ||||||||||||
| Market Share in Mortgage Loans | % | ... | ... | ... | ... | ... | 11.4 | 13.6 | 14.0 | 14.9 | 15.4 | |||||||
| Market Share in Total Assets | % | 9.97 | 8.73 | 8.17 | 8.75 | 7.56 | ||||||||||||
| Market Share in Customer Deposits | % | 8.82 | 7.62 | 7.19 | 7.91 | 6.89 | ||||||||||||
| Market Share in Retail Deposits | % | 11.0 | 10.5 | 10.1 | 10.7 | 9.18 | ||||||||||||
| Market Share in Corporate Deposits | % | 9.74 | 5.55 | 4.52 | 5.75 | 3.82 |
| ratios | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| ratios | ||||||||||||||||||
| ROE | % | 0.949 | 0.142 | 2.29 | 0.083 | 9.71 | ||||||||||||
| ROA | % | 0.121 | 0.019 | 0.326 | 0.011 | 1.41 | ||||||||||||
| Costs (As % Of Assets) | % | 2.59 | 2.66 | 2.69 | 2.52 | 2.32 | ||||||||||||
| Costs (As % Of Income) | % | 53.0 | 58.2 | 59.9 | 54.7 | 46.3 | ||||||||||||
| Capital Adequacy Ratio | % | ... | ... | ... | 15.4 | 17.1 | 16.8 | 16.8 | 24.7 | |||||||||
| Net Interest Margin | % | 3.96 | 3.61 | 3.45 | 3.57 | 3.98 | ||||||||||||
| Interest Spread | % | ... | 3.40 | 3.05 | 2.94 | 3.18 | 3.78 | |||||||||||
| Asset Yield | % | 7.81 | 7.18 | 6.54 | 5.98 | 5.11 | ||||||||||||
| Cost Of Liabilities | % | ... | 4.41 | 4.12 | 3.60 | 2.80 | 1.33 | |||||||||||
| Interest Income (As % Of Revenues) | % | 81.1 | 79.0 | 77.1 | 77.4 | 79.3 | ||||||||||||
| Fee Income (As % Of Revenues) | % | 18.0 | 20.7 | 22.4 | 21.9 | 20.2 | ||||||||||||
| Other Income (As % Of Revenues) | % | 0.873 | 0.300 | 0.503 | 0.713 | 0.513 | ||||||||||||
| Cost Per Employee | USD per month | ... | ... | ... | ... | ... | 1,396 | 1,229 | 1,281 | 1,337 | 1,138 | |||||||
| Cost Per Employee (Local Currency) | BGN per month | ... | ... | ... | ... | ... | 1,964 | 1,871 | 1,888 | 2,029 | 1,938 | |||||||
| Staff Cost (As % Of Total Cost) | % | 42.3 | 39.1 | 38.7 | 40.5 | 37.2 | ||||||||||||
| Equity (As % Of Assets) | % | 13.1 | 14.1 | 14.4 | 13.3 | 15.9 | ||||||||||||
| Loans (As % Of Deposits) | % | 88.1 | 91.4 | 85.9 | 75.5 | 84.6 | ||||||||||||
| Loans (As % Assets) | % | 69.3 | 71.6 | 68.2 | 62.5 | 67.7 | ||||||||||||
| NPLs (As % Of Loans) | % | ... | ... | ... | ... | ... | 9.60 | 8.59 | 9.74 | 11.9 | 10.4 | |||||||
| Provisions (As % Of NPLs) | % | ... | ... | ... | ... | ... | 58.0 | 85.3 | 91.9 | 92.3 | 111 | |||||||
| Provisions (As % Of Loans) | % | 5.89 | 7.90 | 9.83 | 12.4 | 13.1 | ||||||||||||
| Cost of Provisions (As % Of Loans) | % | 3.20 | 2.68 | 2.04 | 3.19 | 1.72 |
| other data | Unit | 2001 | 2002 | 2003 | 2004 | 2005 | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 |
| other data | ||||||||||||||||||
| Branches | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 206 | 200 | 195 | 188 | 187 | |||
| Employees | ... | ... | ... | ... | ... | 2,859 | 2,700 | 2,600 | 2,480 | 2,207 | ||||||||
| Clients | mil | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | 1.50 | ... | ... | ... |
Get all company financials in excel:
By Helgi Library - September 2, 2018
Eurobank Bulgaria's customer loans reached BGN 4,829 mil in 2017, up 14.6% compared to the previous year. Bulgarian banking sector provided customer loans of BGN 59.7 bil in 2017, up 6.73% when compared to the last year. Eurobank Bulgaria accounted for 8....
By Helgi Library - September 2, 2018
Eurobank Bulgaria's customer deposits reached BGN 6,080 mil in 2017, up 10.1% compared to the previous year. Bulgarian banking sector accepted customer deposits of BGN 76.5 bil in 2017, up 5.94% when compared to the last year. Eurobank Bulgaria accounted ...
By Helgi Library - September 20, 2018
Eurobank Bulgaria's retail deposits reached BGN 4,650 mil in 2017, up 4.94% compared to the previous year. Bulgarian banking sector accepted retail deposits of BGN 47.8 bil in 2017, up 5.40% when compared to the last year. Eurobank Bulgaria accounted for ...
By Helgi Library - September 23, 2018
Eurobank Bulgaria's cost to income ratio reached 40.5% in 2017, down from 44.4% compared to the previous year. Historically, the bank’s costs reached an all time high of 59.9% of income in 2013 and an all time low of 40.5% in 2017. When compared to total a...
By Helgi Library - September 20, 2018
Eurobank Bulgaria's corporate deposits reached BGN 1,430 mil in 2017, up 30.8% compared to the previous year. Bulgarian banking sector accepted corporate deposits of BGN 22.0 bil in 2017, up 13.8% when compared to the last year. Eurobank Bulgaria accounte...
By Helgi Library - September 2, 2018
Eurobank Bulgaria's non-performing loans reached 8.82% of total loans at the end of 2017, down from 11.8% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.9% in 2014 and an all time low of 1.77% in 2008. Provision covera...
By Helgi Library - September 2, 2018
Eurobank Bulgaria's loans reached BGN 5,198 mil in the 2017, up from BGN 4,627 mil compared to the previous year. Historically, the bank’s loans reached an all time high of BGN 5,198 mil in 2017 and an all time low of BGN 2,097 mil in 2006. In the last ...
By Helgi Library - September 23, 2018
Eurobank Bulgaria employed 2,200 persons in 2017, down 0% when compared to the previous year. Historically, the bank's workforce hit an all time high of 2,859 persons in 2011 and an all time low of 2,200 in 2017. Average cost reached USD 1,350 per month per emplo...
By Helgi Library - September 2, 2018
Eurobank Bulgaria's net interest margin amounted to 3.99% in 2017, down from 4.35% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 6.68% in 2005 and an all time low of 3.45% in 2013. The average ma...
By Helgi Library - September 2, 2018
Eurobank Bulgaria generated total banking revenues of BGN 371 mil in 2017, up 1.22% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of BGN 371 mil in 2017 and an...
Eurobank Bulgaria AD is a Bulgaria-based commercial bank and a full subsidiary of EFG Group. The Bank offers a wide range of banking and other financial services to commercial and private banking clients. Its products include loans, current and saving accounts, and deposits amongst others. In addition to providing mainstream banking products, the Group undertakes insurance activities, stock brokerage, investment in mutual funds, leasing services, real estate investment management and financial advice, amongst others. At the end of 2013, the Bank operated 195 branches and held a 8% market share in terms of assets in Bulgaria. The Bank was formerly known as Eurobank EFG Bulgaria AD and changed its name to Eurobank Bulgaria AD in January 2013. The Bank was founded in 1991 and is headquartered in Sofia, Bulgaria
Eurobank Bulgaria has been growing its revenues and asset by 3.82% and 5.33% a year on average in the last 10 years. Its loans and deposits have grown by 5.80% and 6.19% a year during that time and loans to deposits ratio reached 79.4% at the end of 2017. The company achieved an average return on equity of 6.31% in the last decade with net profit growing 5.84% a year on average. In terms of operating efficiency, its cost to income ratio reached 40.5% in 2017, compared to 52.1% average in the last decade.
Equity represented 16.7% of total assets or 25.6% of loans at the end of 2017. Eurobank Bulgaria's non-performing loans were 8.82% of total loans while provisions covered some 80.6% of NPLs at the end of 2017.
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