Santander Bank Polska - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Poland | August 15, 2019
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Excel Sheet

Santander Bank Polska's non-performing loans reached 4.10% of total loans at the end of 2018, down from 5.80% compared to the previous year. Historically, the NPL ratio hit an all time high of 20.4% in 2001 and an all time low of 2.80% in 2007.

Provision coverage amounted to 75.4% at the end of 2018, up from 74.1% compared to a year earlier.

The bank created loan loss provisions worth of 0.885% of average loans in 2018. That's compared to 0.863% of loans the bank put aside to its cost on average in the last five years.

Comparing Santander Bank Polska with its closest peers, PKO BP operated at the end of 2018 with NPL ratio of 5.13% and provision coverage of 71.7%, Pekao SA with 5.38% and 89.7% 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 Santander Bank Polska 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% 5.67%