Who Had the Most Bad Loans Among CEE Savings Banks in 2017?

Top Banks by Non-Performing Loans (As % of Loans)
Banking | October 5, 2019
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Excel Sheet

Based on a comparison of 12 banks among CEE Savings Banks in 2017, CEC Bank had the highest share of bad loans, followed by Zagrebacka Banka and DSK Bank.

CEC Bank's non-performing loans reached 15.0% of total loans at the end of 2017, down from 15.0% when compared to the previous year. Historically, the NPL ratio hit an all time high of 31.0% in 2013 and an all time low of 15.0% in 2016.

Provision coverage amounted to 11.4% at the end of 2017, down from 14.9% compared to a year earlier.

Comparing CEC Bank with its closest peers, Zagrebacka Banka operated at the end of 2017 with NPL ratio of 11.4% and provision coverage of 73.4%, DSK Bank with 11.2% and 92.3% and Banca Commerciala Romana had 9.38% of bad loans covered with 80.3% by provisions at the end of 2017.

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 CEE Savings Banks banks in the reports section.

NPLs (As % Of Loans) Unit 2011 2012 2013 2014 2015 2016 2017 2018
Erste Group Bank % 8.45% 9.63% 8.48% 7.06% 4.94%
OTP Group % 19.1% 16.0% 15.1% 17.0% 14.7%
PKO BP % 8.93% 8.23% 6.92% 6.59% 5.90%
Ceska Sporitelna % 5.45% 4.87% 4.43% 3.82% 3.12%
Zagrebacka Banka % 13.4% 16.0% 17.2% 16.2% 14.9% ...
Slovenska Sporitelna % 6.24% 5.47% 6.34% 5.56% 4.95% ...
DSK Bank % 21.1% 21.5% 15.5% 15.1% 13.7% ...
Banca Commerciala Romana % 27.7% 30.6% 24.7% 18.9% 12.8% ...
Sberbank % 3.20% 2.90% 3.20% 5.00% 4.40%
CEC Bank % ... 30.5% 31.0% 26.8% 21.5% 15.0% ... ...
OTP Bank Hungary % 16.1% 17.4% 17.5% 12.1% 9.80% ...
Erste Savings Banks % 6.86% 6.78% 6.33% 5.64% 4.88% ...
AVERAGE % 11.0% 13.9% 14.2% 12.7% 11.2% 9.09% 6.53% 4.04%