Pekao SA's non-performing loans reached 5.38% of total loans at the end of 2018, down from 5.72% compared to the previous year. Historically, the NPL ratio hit an all time high of 24.7% in 2003 and an all time low of 5.38% in 2018.
Provision coverage amounted to 89.7% at the end of 2018, up from 72.5% compared to a year earlier.
The bank created loan loss provisions worth of 0.417% of average loans in 2018. That's compared to 0.456% of loans the bank put aside to its cost on average in the last five years.
Comparing Pekao SA with its closest peers, PKO BP operated at the end of 2018 with NPL ratio of 5.13% and provision coverage of 71.7%, Santander Bank Polska with 4.10% and 75.4% respectively and ING Bank Slaski had 2.79% of bad loans covered with 78.1% by provisions at the end of 2018.
You can see all the bank’s data at Pekao SA 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 |
| Alior Bank | % | 5.75% | 6.86% | 8.96% | 9.32% | 9.80% | ... | ||
| Bank BGZ BNP Paribas | % | 7.07% | 8.00% | 7.90% | 7.60% | 7.72% | ... | ||
| Bank BPH | % | 10.6% | 11.7% | 9.40% | 5.90% | ... | ... | ... | |
| Bank Handlowy | % | 8.59% | 7.58% | 5.77% | 3.20% | 3.10% | |||
| Bank Millennium | % | 5.09% | 4.42% | 4.23% | 4.61% | 4.50% | |||
| Bank Ochrony Srodowiska | % | 7.76% | 5.55% | 7.15% | 7.08% | 11.0% | |||
| Bank Pocztowy | % | 4.72% | 5.35% | 6.11% | 7.00% | 9.98% | ... | ||
| Eurobank Poland | % | ... | ... | 10.7% | 10.00% | ... | ... | ... | ... |
| Getin Holding | % | 6.28% | 11.7% | 11.7% | 14.8% | 16.2% | ... | ||
| Getin Noble Bank | % | 13.5% | 13.6% | 13.7% | 13.2% | 14.7% | ... | ||
| Idea Bank | % | ... | 3.46% | 5.88% | 6.91% | 6.09% | 7.86% | ... | |
| ING Bank Slaski | % | 3.76% | 4.30% | 3.79% | 3.06% | 2.63% | |||
| mBank | % | 5.23% | 6.27% | 6.35% | 5.69% | 5.36% | |||
| Pekao SA | % | 7.27% | 7.48% | 7.00% | 6.53% | 6.32% | |||
| PKO BP | % | 8.93% | 8.23% | 6.92% | 6.59% | 5.90% | |||
| Raiffeisen Bank Polska | % | 9.65% | 9.94% | 8.05% | 7.90% | 7.88% | ... | ||
| Santander Bank Polska | % | 5.45% | 7.90% | 8.37% | 7.30% | 6.58% | |||
| AVERAGE | % | 6.72% | 7.07% | 7.97% | 7.78% | 7.25% | 7.97% | 7.79% | 5.37% |
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