United Bulgarian Bank's non-performing loans reached 19.3% of total loans at the end of 2015, down from 20.5% when compared to the previous year. Historically, the NPL ratio hit an all time high of 20.5% in 2014 and an all time low of 0.858% in 2008.
Provision coverage amounted to 78.8% at the end of 2015, down from 84.9% compared to a year earlier.
The bank created loan loss provisions worth of 3.50% of average loans in 2015. That's compared to 3.38% of loans the bank put aside to its cost on average in the last five years.