Addiko Bank Croatia - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Croatia | August 03, 2018
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Addiko Bank Croatia's non-performing loans reached 16.5% of total loans at the end of 2017, up from 14.2% compared to the previous year. Historically, the NPL ratio hit an all time high of 31.1% in 2008 and an all time low of 11.4% in 2007.

Provision coverage amounted to 60.9% at the end of 2017, down from 70.4% compared to a year earlier.

The bank created loan loss provisions worth of 0.984% of average loans in 2017. That's compared to 2.14% of loans the bank put aside to its cost on average in the last five years.

Comparing Addiko Bank Croatia with its closest peers, Zagrebacka Banka operated at the end of 2017 with NPL ratio of 11.4% and provision coverage of 73.4%, Splitska Banka with 13.0% and 93.1% respectively and Privredna Banka Zagreb had 8.96% of bad loans covered with 62.2% by provisions at the end of 2017.

You can see all the bank’s data at Addiko Bank Croatia Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2010 2011 2012 2013 2014 2015 2016 2017
Addiko Bank Croatia % 28.0% 14.6% 13.0% 12.0% 15.0%
Croatia Banka % ... ... 19.7% 15.2% 17.2% 16.1%
Erste & Steiermarkische Bank % 11.5% 16.4% 17.4% 18.6% 15.7%
Hrvatska Postanska Banka % 23.9% 23.6% 23.3% 25.8% 26.2%
Imex Banka % 21.2% 7.11% 10.4% 9.21% 16.0%
Istarska Kreditna Banka Umag % 12.2% 12.3% 18.8% 21.2% 21.8%
J&T Banka Croatia % ... ... 30.6% 32.7% 33.9% 20.6%
Jadranska Banka % 5.63% 5.67% 6.31% 14.2% 56.9%
Karlovacka Banka % ... ... ... ... 32.9% 25.4%
KentBank % ... ... 24.5% 15.9% 14.1% 10.8%
Kreditna Banka Zagreb % 9.88% 8.30% 13.8% 13.0% 12.2%
OTP Bank Croatia % 11.4% 13.5% 16.2% 19.1% 19.6%
Partner Banka % 9.89% 29.3% 29.5% 33.4% 42.5%
PBZ Stambena Stedionica % ... ... ... ... ... 0.063%
Podravska Banka % 10.5% 16.9% 17.6% 18.0% 20.0%
Privredna Banka Zagreb % 7.37% 11.7% 14.6% 13.9% 11.9%
Raiffeisen Stambena Stedionica % 0.374% 0.537% 0.291% 0.472% 0.123%
Raiffeisenbank Croatia % 12.2% 16.0% 14.7% 16.2% ...
Sberbank Croatia % 10.3% 10.9% 16.8% 15.8% 16.4%
Slatinska Banka % ... ... ... 16.6% 20.4% 22.4%
Splitska Banka % 9.89% 10.1% 11.8% 12.0% 11.3%
Wustenrot Stambena Stedionica % 0.638% 0.903% 1.03% 1.20% 1.21%
Zagrebacka Banka % 9.70% 13.4% 16.0% 17.2% 16.2%
AVERAGE % 10.2% 11.4% 13.6% 14.6% 16.5% 18.1% 15.6% 15.6%