D Commerce Bank - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Bulgaria | September 23, 2018
$2.99
Excel Sheet

D Commerce Bank's non-performing loans reached 9.03% of total loans at the end of 2017, down from 11.6% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.6% in 2016 and an all time low of 0.894% in 2005.

Provision coverage amounted to 101% at the end of 2017, up from 81.7% compared to a year earlier.

The bank created loan loss provisions worth of 0.407% of average loans in 2017. That's compared to 2.90% of loans the bank put aside to its cost on average in the last five years.

Comparing D Commerce Bank with its closest peers, United Bulgarian Bank operated at the end of 2017 with NPL ratio of 23.6% and provision coverage of 67.0%, Raiffeisenbank Bulgaria with 4.33% and 89.0% respectively and UniCredit Bulbank had 8.10% of bad loans covered with 82.5% by provisions at the end of 2017.

You can see all the bank’s data at D Commerce Bank 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
Central Cooperative Bank % 3.08% 2.72% 2.32% 2.02% 10.3%
Corporate Commercial Bank % 0.354% 0.560% 1.28% ... ... ... ...
D Commerce Bank % ... ... 1.74% 4.23% 5.30% 6.63%
DSK Bank % 17.3% 21.1% 21.5% 15.5% 15.1%
Eurobank Bulgaria % 9.60% 8.59% 9.74% 11.9% 10.4%
First Investment Bank % 3.18% 9.65% 7.66% 6.52% 23.9%
Piraeus Bank Bulgaria % 13.7% 24.3% 28.1% 35.3% 33.3%
Raiffeisenbank Bulgaria % 8.18% 8.28% 8.40% 5.93% 11.0%
Societe Generale Expressbank % 5.86% 6.72% 13.0% 10.7% 10.9%
UniCredit Bulbank % 12.4% 13.0% 15.8% 13.3% 13.2%
United Bulgarian Bank % 14.4% 17.1% 19.4% 20.5% ...
AVERAGE % 6.57% 8.81% 10.3% 11.9% 12.7% 15.0% 15.3% 11.7%