What Banks in Italy Had the Most Bad Loans in 2018?

Top Banks by Non-Performing Loans (As % of Loans)
Banking | Italy | February 21, 2020
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Excel Sheet

Based on a comparison of 14 banks in Italy in 2018, Monte dei Paschi di Siena had the highest share of bad loans, followed by Banca Nazionale del Lavoro and Banca Popolare di Sondrio.

Monte dei Paschi di Siena's non-performing loans reached 18.2% of total loans at the end of 2018, down from 38.9% when compared to the previous year. Historically, the NPL ratio hit an all time high of 38.9% in 2017 and an all time low of 1.22% in 2001.

Provision coverage amounted to 12.9% at the end of 2018, down from 16.8% compared to a year earlier.

Comparing Monte dei Paschi di Siena with its closest peers, Banca Nazionale del Lavoro operated at the end of 2018 with NPL ratio of 12.9% and provision coverage of 58.4%, Banca Popolare di Sondrio with 12.7% and 58.5% and Credito Emiliano had 12.7% of bad loans covered with 58.5% by provisions at the end of 2018.

Non-performing loans of the whole Italy’s banking sector amounted to 8.39% of total loans in 2018, down from 14.4% when compared to the last year.

You can see all the banks non-performing loans data on the NPLs (As % Of Loans) indicator page or you can download a report on the Italian banks in the report section.

NPLs (As % Of Loans) Unit 2012 2013 2014 2015 2016 2017 2018 2019
Banca Mediolanum % ... ... ... ... ... 1.45% ...
Banca Nazionale del Lavoro % ... 14.7% 19.0% 19.2% 19.0% 16.8% ...
Banca Popolare di Sondrio % 11.8% 14.5% 16.8% 16.5% 15.8% ...
Banco BPM % 23.0% 23.9% ... 21.5% 22.2%
BPER Banca % 20.2% 22.7% 23.3% 22.1% 19.8%
Cassa Depositi e Prestiti % 0.084% 0.127% 0.158% 0.147% 0.155% ...
Credit Agricole Italia % 10.0% 13.1% 14.1% 12.4% 10.9% ...
Credito Emiliano % 11.8% 14.5% 16.8% 16.5% 15.8% ...
Credito Valtellinese % 19.2% 25.2% 27.2% 27.5% 22.5%
Intesa Sanpaolo % 16.0% 17.7% 17.5% 15.9% 13.0%
Mediobanca % 4.93% 6.75% 6.83% 2.84% 5.19%
Monte dei Paschi di Siena % 25.1% 32.7% 36.0% 36.9% 38.9%
UBI Banca % 13.7% 14.6% 15.3% 14.5% 12.7%
UniCredit SpA % 16.4% 17.2% 17.4% 12.5% 9.58%
AVERAGE % 10.7% 14.4% 17.1% 17.5% 16.8% 14.6% 9.25% 8.34%