Raiffeisenbank Bulgaria - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Bulgaria | September 02, 2018
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Excel Sheet

Raiffeisenbank Bulgaria's non-performing loans reached 4.33% of total loans at the end of 2017, down from 7.05% compared to the previous year. Historically, the NPL ratio hit an all time high of 11.0% in 2015 and an all time low of 0.467% in 2007.

Provision coverage amounted to 89.0% at the end of 2017, up from 83.0% compared to a year earlier.

The bank created loan loss provisions worth of -0.249% of average loans in 2017. That's compared to 1.63% of loans the bank put aside to its cost on average in the last five years.

Comparing Raiffeisenbank Bulgaria with its closest peers, DSK Bank operated at the end of 2017 with NPL ratio of 11.2% and provision coverage of 92.3%, United Bulgarian Bank with 23.6% and 67.0% respectively and UniCredit Bulbank had 8.10% of bad loans covered with 82.5% by provisions at the end of 2017.

You can see all the bank’s data at Raiffeisenbank Bulgaria 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
Central Cooperative Bank % 3.08% 2.72% 2.32% 2.02% 10.3%
Corporate Commercial Bank % 0.354% 0.560% 1.28% ... ... ... ...
D Commerce Bank % ... ... 1.74% 4.23% 5.30% 6.63%
DSK Bank % 17.3% 21.1% 21.5% 15.5% 15.1%
Eurobank Bulgaria % 9.60% 8.59% 9.74% 11.9% 10.4%
First Investment Bank % 3.18% 9.65% 7.66% 6.52% 23.9%
Piraeus Bank Bulgaria % 13.7% 24.3% 28.1% 35.3% 33.3%
Raiffeisenbank Bulgaria % 8.18% 8.28% 8.40% 5.93% 11.0%
Societe Generale Expressbank % 5.86% 6.72% 13.0% 10.7% 10.9%
UniCredit Bulbank % 12.4% 13.0% 15.8% 13.3% 13.2%
United Bulgarian Bank % 14.4% 17.1% 19.4% 20.5% ...
AVERAGE % 6.57% 8.81% 10.3% 11.9% 12.7% 15.0% 15.3% 11.7%