Fio banka - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | October 07, 2019
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Excel Sheet

Fio banka's non-performing loans reached 5.59% of total loans at the end of 2018, down from 7.92% compared to the previous year. Historically, the NPL ratio hit an all time high of 15.7% in 2013 and an all time low of 5.59% in 2018.

Provision coverage amounted to 63.2% at the end of 2018, up from 48.7% compared to a year earlier.

The bank created loan loss provisions worth of 1.54% of average loans in 2018. That's compared to 1.79% of loans the bank put aside to its cost on average in the last five years.

Comparing Fio banka 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 Fio banka Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Air Bank % ... 7.99% 5.03% 5.55% 4.67% 4.17%
Banka Creditas % 20.4% 20.1% 20.0% 13.3% 11.9%
Ceska Sporitelna % 5.45% 4.87% 4.43% 3.82% 3.12%
Ceskomoravska Stavebni Sporitelna % 2.51% 2.90% 2.66% 2.67% 2.31%
CSOB % 3.57% 4.79% 4.19% 3.73% 3.03%
Equa Bank % 7.99% 2.04% 2.53% 3.01% 1.15%
Expobank Czech Republic % 9.53% 11.9% 3.44% 5.55% 6.47%
Fio banka % 13.3% 15.7% 13.5% 11.4% 9.94%
Hypotecni Banka % 3.90% 3.76% 5.24% 3.12% 2.32%
J&T Banka % 9.12% 8.99% 4.72% 10.2% 10.0% ...
Komercni Banka % 5.80% 5.60% 5.21% 4.20% 3.80%
Modra Pyramida Stavebni Sporitelna % 3.09% 3.99% 4.55% 4.99% 4.17%
MONETA Money Bank % 16.2% 14.8% 12.9% 11.7% 5.97%
Moravsky Penezni Ustav % 15.0% 32.7% 39.0% 39.4% 24.4% ...
PPF Banka % 6.06% 0.642% 8.26% 8.95% 7.63%
Raiffeisen Stavebni Sporitelna % 2.77% 3.36% 3.50% 3.90% 3.48% ...
Raiffeisenbank Czech Republic % 11.6% 6.74% 5.98% 4.68% 3.60%
Sberbank Czech Republic % 8.16% 7.94% 5.95% 5.19% 5.74%
Stavebni Sporitelna Ceske Sporitelny % 4.14% 4.81% 4.60% 2.59% 2.43% ...
UniCredit Czech Republic % 5.60% 4.83% 5.88% 5.06% 4.13%
Wustenrot Hypotecni banka % 3.81% 4.32% 4.62% 3.50% 3.77%
Wustenrot Stavebni Sporitelna % 2.04% 2.61% 3.16% 3.29% 3.65%
AVERAGE % 8.12% 7.64% 7.84% 7.72% 7.22% 5.78% 5.21% 3.93%