Asia Commercial Bank's non-performing loans reached 0.539% of total loans at the end of 2019, down from 0.727% compared to the previous year. Historically, the NPL ratio hit an all time high of 3.03% in 2013 and an all time low of 0.084% in 2007.
Provision coverage amounted to 175% at the end of 2019, up from 152% compared to a year earlier.
The bank created loan loss provisions worth of 0.111% of average loans in 2019. That's compared to 0.704% of loans the bank put aside to its cost on average in the last five years.