Eurobank Serbia - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Serbia | September 18, 2018
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Eurobank Serbia's non-performing loans reached 17.5% of total loans at the end of 2017, down from 31.5% compared to the previous year. Historically, the NPL ratio hit an all time high of 32.7% in 2015 and an all time low of 2.63% in 2008.

Provision coverage amounted to 42.6% at the end of 2017, down from 55.8% compared to a year earlier.

The bank created loan loss provisions worth of 0.696% of average loans in 2017. That's compared to 2.49% of loans the bank put aside to its cost on average in the last five years.

Comparing Eurobank Serbia with its closest peers, Komercijalna Banka Beograd operated at the end of 2017 with NPL ratio of 15.7% and provision coverage of 69.4%, Bank Intesa Serbia with 9.25% and 51.5% respectively and Raiffeisenbank Serbia had 4.74% of bad loans covered with 95.5% by provisions at the end of 2017.

You can see all the bank’s data at Eurobank Serbia 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 Serbia % ... ... 35.8% 22.7% 35.4% 39.7%
AIK Banka % 30.5% 28.3% 33.7% 34.4% 28.4%
Alpha Bank Serbia % 11.7% 13.9% 19.3% 19.6% ... ... ...
Bank Intesa Serbia % 11.8% 13.8% 19.0% 20.2% 18.4%
Banka Postanska Stedionica % ... ... ... ... ... ...
Credit Agricole Serbia % ... ... 15.3% 11.5% 14.0% 12.6%
Erste Bank Serbia % 10.2% 10.4% 13.0% 10.8% 7.95%
Eurobank Serbia % 9.59% 14.1% 19.7% 29.0% 32.7%
Halbank Serbia % ... ... ... ... 25.5% 29.8%
Komercijalna Banka Beograd % 23.8% 16.3% 20.1% 21.9% 18.8%
NLB Serbia % ... ... ... ... ... ...
Piraeus Bank Serbia % ... ... ... ... 3.95% 10.4%
Procredit Bank Serbia % ... ... ... ... 1.78% 2.81%
Raiffeisenbank Serbia % 12.8% 10.2% 13.1% 12.9% 12.3%
Societe Generale Serbia % 7.96% 7.81% 11.0% 20.4% 18.0%
UniCredit Bank Serbia % 9.62% 12.1% 17.1% 16.0% 16.9%
AVERAGE % 9.62% 14.2% 16.2% 18.2% 19.0% 19.1% 18.6% 10.4%