Ceskomoravska Stavebni Sporitelna's non-performing loans reached 2.24% of total loans at the end of 2017, down from 2.31% when compared to the previous year. Historically, the NPL ratio hit an all time high of 2.90% in 2013 and an all time low of 0.859% in 2003.
Provision coverage amounted to 84.3% at the end of 2017, up from 75.8% compared to a year earlier.
The bank created loan loss provisions worth of 0.156% of average loans in 2017. That's compared to 0.266% of loans the bank put aside to its cost on average in the last five years.