Bank BPH's non-performing loans reached 5.90% of total loans at the end of 2015, down from 9.40% when compared to the previous year. Historically, the NPL ratio hit an all time high of 11.7% in 2013 and an all time low of 5.90% in 2015.
Provision coverage amounted to 87.3% at the end of 2015, down from 87.4% compared to a year earlier.
The bank created loan loss provisions worth of 0.200% of average loans in 2015. That's compared to 0.629% of loans the bank put aside to its cost on average in the last five years.