United Bulgarian Bank - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Bulgaria | September 02, 2018
$2.99
Excel Sheet

United Bulgarian Bank's non-performing loans reached 23.6% of total loans at the end of 2017, down from 27.7% compared to the previous year. Historically, the NPL ratio hit an all time high of 27.7% in 2016 and an all time low of 0.858% in 2008.

Provision coverage amounted to 67.0% at the end of 2017, up from 54.4% compared to a year earlier.

The bank created loan loss provisions worth of 6.21% of average loans in 2017. That's compared to 3.71% of loans the bank put aside to its cost on average in the last five years.

Comparing United Bulgarian Bank with its closest peers, DSK Bank operated at the end of 2017 with NPL ratio of 11.2% and provision coverage of 92.3%, UniCredit Bulbank with 8.10% and 82.5% respectively and Raiffeisenbank Bulgaria had 4.33% of bad loans covered with 89.0% by provisions at the end of 2017.

You can see all the bank’s data at United Bulgarian Bank 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%