UniCredit Czech Republic - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | May 04, 2018
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Excel Sheet

UniCredit Czech Republic's non-performing loans reached 3.42% of total loans at the end of 2017, down from 4.13% compared to the previous year. Historically, the NPL ratio hit an all time high of 5.88% in 2014 and an all time low of 1.72% in 2007.

Provision coverage amounted to 78.1% at the end of 2017, up from 74.7% compared to a year earlier.

The bank created loan loss provisions worth of 0.119% of average loans in 2017. That's compared to 0.543% of loans the bank put aside to its cost on average in the last five years.

Comparing UniCredit Czech Republic with its closest peers, Ceska Sporitelna operated at the end of 2017 with NPL ratio of 2.10% and provision coverage of 92.0%, CSOB with 2.37% and 65.0% respectively and Komercni Banka had 3.10% of bad loans covered with 61.7% by provisions at the end of 2017.

You can see all the bank’s data at UniCredit Czech Republic 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
Air Bank % ... 7.99% 5.03% 5.55% 4.67% 4.17%
Banka Creditas % 20.4% 20.1% 20.0% 13.3% 11.9% ...
Ceska Sporitelna % 5.45% 4.87% 4.43% 3.82% 3.12% ...
Ceskomoravska Stavebni Sporitelna % 2.51% 2.90% 2.66% 2.67% 2.31% ...
Cofidis Czech Republic % ... ... ... ... ... ... ...
CSOB % 3.57% 4.79% 4.19% 3.73% 3.03% ...
Equa Bank % 7.99% 2.04% 2.53% 3.01% 1.15% ...
Essox % 31.0% 30.6% 31.1% 30.0% 26.3%
Expobank Czech Republic % 9.53% 11.9% 3.44% 5.55% 6.47% ...
Fio banka % 13.3% 15.7% 13.5% 11.4% 9.94% ...
Hello Bank! % 13.2% 22.4% 18.1% 18.1% 15.4%
Home Credit Group % 7.57% 12.2% 15.3% 10.0% 8.05%
Hypotecni Banka % 3.90% 3.76% 5.24% 3.12% 2.32% ...
J&T Banka % 9.12% 8.99% 4.72% 10.2% 10.0% ...
Komercni Banka % 5.80% 5.60% 5.21% 4.20% 3.80%
Modra Pyramida Stavebni Sporitelna % 3.09% 3.99% 4.55% 4.99% 4.17% ...
MONETA Money Bank % 16.2% 14.8% 12.9% 11.7% 5.97%
Moravsky Penezni Ustav % 15.0% 32.7% 39.0% 39.4% 24.4% ...
PPF Banka % 6.06% 0.642% 8.26% 8.95% 7.63% ...
Profi Credit Czech % 68.5% 65.6% 66.2% 70.1% 73.2%
Profireal Group % 50.4% 51.1% 54.5% 60.1% 67.7% ...
Provident Financial Czech Republic % 45.8% 47.2% 51.1% 41.9% 40.9%
Raiffeisen Stavebni Sporitelna % 2.77% 3.36% 3.50% 3.90% 3.48% ...
Raiffeisenbank Czech Republic % 11.6% 6.74% 5.98% 4.68% 3.60% ...
Sberbank Czech Republic % 8.16% 7.94% 5.95% 5.19% 5.74% ...
Stavebni Sporitelna Ceske Sporitelny % 4.14% 4.81% 4.60% 2.59% 2.43% ...
UniCredit Czech Republic % 5.60% 4.83% 5.88% 5.06% 4.13% ...
Wustenrot Hypotecni banka % 3.81% 4.32% 4.62% 3.50% 3.77% ...
Wustenrot Stavebni Sporitelna % 2.04% 2.61% 3.16% 3.29% 3.65% ...
AVERAGE % 14.4% 13.7% 14.3% 14.5% 13.9% 12.8% 12.3% 19.4%