National Bank of Greece - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Greece | July 24, 2019
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Excel Sheet

National Bank of Greece's non-performing loans reached 42.5% of total loans at the end of 2015-12-31, up from 24.3% compared to the previous year. Historically, the NPL ratio hit an all time high of 48.6% in 2015-09-30 and an all time low of 4.10% in 2008-12-31.

Provision coverage amounted to 74.6% at the end of 2015-12-31, up from 59.3% compared to a year earlier.

The bank created loan loss provisions worth of 7.46% of average loans in 2015-12-31. That's compared to 8.80% of loans the bank put aside to its cost on average in the last five years.

Comparing National Bank of Greece with its closest peers, Alpha Bank Group operated at the end of 2015-12-31 with NPL ratio of 39.2% and provision coverage of 52.7%, Piraeus Bank Group with 39.5% and 65.0% respectively and Eurobank Group had 33.8% of bad loans covered with 67.4% by provisions at the end of 2015-12-31.

You can see all the bank’s data at National Bank of Greece Profile, or you can download a report on the bank in the report section.

NPLs (As % Of Loans) Unit Sep 2003 Dec 2003 Mar 2004 Jun 2004 Sep 2004 Dec 2004 Mar 2005 Jun 2005 Sep 2005 Dec 2005 Mar 2006 Jun 2006 Sep 2006 Dec 2006 Mar 2007 Jun 2007 Sep 2007 Dec 2007 Mar 2008 Jun 2008 Sep 2008 Dec 2008 Mar 2009 Jun 2009 Sep 2009 Dec 2009 Mar 2010 Jun 2010 Sep 2010 Dec 2010 Mar 2011 Jun 2011 Sep 2011 Dec 2011 Mar 2012 Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 Sep 2013 Dec 2013 Mar 2014 Jun 2014 Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015
Alpha Bank Group % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 36.0% 36.1% 35.3% 36.0% 37.6%
Eurobank Group % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 31.8% 33.0% 33.3% 34.0% 34.3%
National Bank of Greece % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 24.4% 24.4% 24.3% 24.3% 36.6%
Piraeus Bank Group % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 38.5% 39.0% 37.8% 38.9% 39.4%
AVERAGE % ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 4.15% 2.47% 2.44% 2.55% 3.39% 3.23% 3.85% 4.95% 5.98% 5.86% 6.35% 7.15% 9.13% 9.77% 10.8% 9.32% 17.1% 16.3% 18.6% 20.1% 25.1% 24.3% 34.8% 32.8% 32.2% 32.1% 32.7% 33.1% 32.7% 33.3% 37.0% 40.8% 38.7%