Erste & Steiermarkische Bank - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Croatia | July 03, 2018
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Excel Sheet

Erste & Steiermarkische Bank's non-performing loans reached 12.6% of total loans at the end of 2017, up from 11.5% compared to the previous year. Historically, the NPL ratio hit an all time high of 18.6% in 2014 and an all time low of 3.92% in 2007.

Provision coverage amounted to 61.8% at the end of 2017, down from 62.3% compared to a year earlier.

The bank created loan loss provisions worth of 1.99% of average loans in 2017. That's compared to 2.13% of loans the bank put aside to its cost on average in the last five years.

Comparing Erste & Steiermarkische Bank with its closest peers, Zagrebacka Banka operated at the end of 2017 with NPL ratio of 11.4% and provision coverage of 73.4%, Splitska Banka with 13.0% and 93.1% respectively and Privredna Banka Zagreb had 8.96% of bad loans covered with 62.2% by provisions at the end of 2017.

You can see all the bank’s data at Erste & Steiermarkische 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
Addiko Bank Croatia % 28.0% 14.6% 13.0% 12.0% 15.0%
Croatia Banka % ... ... 19.7% 15.2% 17.2% 16.1%
Erste & Steiermarkische Bank % 11.5% 16.4% 17.4% 18.6% 15.7%
Hrvatska Postanska Banka % 23.9% 23.6% 23.3% 25.8% 26.2%
Imex Banka % 21.2% 7.11% 10.4% 9.21% 16.0%
Istarska Kreditna Banka Umag % 12.2% 12.3% 18.8% 21.2% 21.8%
J&T Banka Croatia % ... ... 30.6% 32.7% 33.9% 20.6%
Jadranska Banka % 5.63% 5.67% 6.31% 14.2% 56.9%
Karlovacka Banka % ... ... ... ... 32.9% 25.4%
KentBank % ... ... 24.5% 15.9% 14.1% 10.8%
Kreditna Banka Zagreb % 9.88% 8.30% 13.8% 13.0% 12.2%
OTP Bank Croatia % 11.4% 13.5% 16.2% 19.1% 19.6%
Partner Banka % 9.89% 29.3% 29.5% 33.4% 42.5%
PBZ Stambena Stedionica % ... ... ... ... ... 0.063%
Podravska Banka % 10.5% 16.9% 17.6% 18.0% 20.0%
Privredna Banka Zagreb % 7.37% 11.7% 14.6% 13.9% 11.9%
Raiffeisen Stambena Stedionica % 0.374% 0.537% 0.291% 0.472% 0.123%
Raiffeisenbank Croatia % 12.2% 16.0% 14.7% 16.2% ...
Sberbank Croatia % 10.3% 10.9% 16.8% 15.8% 16.4%
Slatinska Banka % ... ... ... 16.6% 20.4% 22.4%
Splitska Banka % 9.89% 10.1% 11.8% 12.0% 11.3%
Wustenrot Stambena Stedionica % 0.638% 0.903% 1.03% 1.20% 1.21%
Zagrebacka Banka % 9.70% 13.4% 16.0% 17.2% 16.2%
AVERAGE % 10.2% 11.4% 13.6% 14.6% 16.5% 18.1% 15.6% 15.6%