Hypotecni Banka's non-performing loans reached 0.584% of total loans at the end of 2022, down from 0.723% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.24% in 2014 and an all time low of 0.342% in 2020.
Provision coverage amounted to 34.4% at the end of 2022, up from 30.1% compared to a year earlier.
The bank created loan loss provisions worth of 0.003% of average loans in 2022. That's compared to -0.035% of loans the bank put aside to its cost on average in the last five years.
Comparing Hypotecni Banka with its closest peers, Ceska Sporitelna operated at the end of 2022 with NPL ratio of 1.90% and provision coverage of 117%, CSOB with 1.81% and 44.6% respectively and Komercni Banka had 2.34% of bad loans covered with 51.0% by provisions at the end of 2022.
You can see all the bank’s data at Hypotecni Banka Profile, or you can download a report on the bank in the report section.
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