Slovenska Sporitelna - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Slovakia | May 22, 2018
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Excel Sheet

Slovenska Sporitelna's non-performing loans reached 4.19% of total loans at the end of 2017, down from 4.95% compared to the previous year. Historically, the NPL ratio hit an all time high of 14.2% in 2007 and an all time low of 2.07% in 2002.

Provision coverage amounted to 72.0% at the end of 2017, up from 65.3% compared to a year earlier.

The bank created loan loss provisions worth of 0.274% of average loans in 2017. That's compared to 0.562% of loans the bank put aside to its cost on average in the last five years.

Comparing Slovenska Sporitelna with its closest peers, VUB Banka operated at the end of 2017 with NPL ratio of 4.13% and provision coverage of 73.9%, Prima Banka Slovakia with 8.05% and 84.7% respectively and Tatra banka had 2.90% of bad loans covered with 70.0% by provisions at the end of 2017.

You can see all the bank’s data at Slovenska Sporitelna 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
CSOB Slovakia % 6.51 4.39 4.90 4.55 3.72
CSOB Stavebna Sporitelna % 2.88 2.32 2.19 2.30 5.77
OTP Banka Slovakia % 8.26 8.93 10.5 9.93 9.05
Postova Banka % 6.86 7.64 10.1 12.3 8.90
Prima Banka Slovakia % 11.5 13.1 12.9 7.86 6.39
Privatbanka % 9.37 9.83 10.3 10.5 13.8
Prva Stavebna Sporitelna % 9.93 9.97 9.84 9.08 9.15
Sberbank Slovakia % 7.30 8.77 10.8 9.99 12.2
Slovenska Sporitelna % 7.56 6.24 5.47 6.34 5.56
Tatra banka % 4.97 5.22 5.02 4.83 3.39
UniCredit Slovakia % 7.05 11.4 ... ... ... ... ...
VUB Banka % 6.73 6.08 5.84 5.64 6.40
Wustenrot Stavebna Sporitelna % 5.44 5.55 5.87 6.08 6.24