Banka Koper's non-performing loans reached 10.7% of total loans at the end of 2015, down from 11.0% when compared to the previous year. Historically, the NPL ratio hit an all time high of 11.0% in 2014 and an all time low of 2.92% in 2008.
Provision coverage amounted to 81.4% at the end of 2015, up from 75.0% compared to a year earlier.
The bank created loan loss provisions worth of 1.04% of average loans in 2015. That's compared to 1.23% of loans the bank put aside to its cost on average in the last five years.
When compared to bank's main peers, Nova Ljubljanska banka operated at the end of 2015 with NPL ratio of 22.5% and provision coverage of 70.7%, NKBM Group with 13.1% and 195% respectively and SKB Banka had 11.3% of bad loans covered with 81.9% by provisions at the end of 2015.