Equa Bank's non-performing loans reached 1.57% of total loans at the end of 2018, up from 1.47% compared to the previous year. Historically, the NPL ratio hit an all time high of 19.9% in 2011 and an all time low of 0.832% in 2009.
Provision coverage amounted to 90.5% at the end of 2018, up from 70.2% compared to a year earlier.
The bank created loan loss provisions worth of 0.646% of average loans in 2018. That's compared to 0.714% of loans the bank put aside to its cost on average in the last five years.
Comparing Equa Bank with its closest peers, Ceska Sporitelna operated at the end of 2018 with NPL ratio of 1.80% and provision coverage of 99.2%, CSOB with 3.06% and 44.0% respectively and Komercni Banka had 2.71% of bad loans covered with 59.4% by provisions at the end of 2018.
You can see all the bank’s data at Equa Bank Profile, or you can download a report on the bank in the report section.
| NPLs (As % Of Loans) | Unit | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 |
| Air Bank | % | 5.03% | 5.55% | 4.67% | 4.17% | 2.98% | ... | ||
| Banka Creditas | % | 20.1% | 20.0% | 13.3% | 11.9% | 9.76% | ... | ||
| Ceska Sporitelna | % | 4.87% | 4.43% | 3.82% | 3.12% | 2.10% | ... | ||
| Ceskomoravska Stavebni Sporitelna | % | 2.90% | 2.66% | 2.67% | 2.31% | 2.24% | ... | ||
| CSOB | % | 4.79% | 4.19% | 3.73% | 3.03% | 2.04% | ... | ||
| Equa Bank | % | 2.04% | 2.53% | 3.01% | 1.15% | 1.47% | ... | ||
| Expobank Czech Republic | % | 11.9% | 3.44% | 5.55% | 6.47% | 4.48% | ... | ||
| Fio banka | % | 15.7% | 13.5% | 11.4% | 9.94% | 7.92% | ... | ||
| Hypotecni Banka | % | 3.76% | 5.24% | 3.12% | 2.32% | 1.66% | ... | ||
| J&T Banka | % | 8.99% | 4.72% | 10.2% | 10.0% | 10.7% | ... | ... | |
| Komercni Banka | % | 5.60% | 5.21% | 4.20% | 3.80% | 3.06% | |||
| Modra Pyramida Stavebni Sporitelna | % | 3.99% | 4.55% | 4.99% | 4.17% | 2.61% | ... | ||
| MONETA Money Bank | % | 14.8% | 12.9% | 11.7% | 5.97% | 4.10% | |||
| Moravsky Penezni Ustav | % | 32.7% | 39.0% | 39.4% | 24.4% | 26.4% | ... | ... | |
| PPF Banka | % | 0.642% | 8.26% | 8.95% | 7.63% | 10.4% | ... | ||
| Raiffeisen Stavebni Sporitelna | % | 3.36% | 3.50% | 3.90% | 3.48% | 2.95% | ... | ... | |
| Raiffeisenbank Czech Republic | % | 6.74% | 5.98% | 4.68% | 3.60% | 2.46% | ... | ||
| Sberbank Czech Republic | % | 7.94% | 5.95% | 5.19% | 5.74% | 5.43% | ... | ||
| Stavebni Sporitelna Ceske Sporitelny | % | 4.81% | 4.60% | 2.59% | 2.43% | 2.03% | ... | ... | |
| UniCredit Czech Republic | % | 4.83% | 5.88% | 5.06% | 4.13% | 3.42% | ... | ||
| Wustenrot Hypotecni banka | % | 4.32% | 4.62% | 3.50% | 3.77% | 2.46% | ... | ||
| Wustenrot Stavebni Sporitelna | % | 2.61% | 3.16% | 3.29% | 3.65% | 3.99% | ... | ||
| AVERAGE | % | 7.64% | 7.84% | 7.72% | 7.22% | 5.78% | 5.21% | 3.93% | 1.97% |
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