Wustenrot Stavebni Sporitelna - Asset Quality

NPLs (As % Of Loans) & Provisions (As % Of NPLs)
Banking | Czech Republic | May 07, 2018
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Excel Sheet

Wustenrot Stavebni Sporitelna's non-performing loans reached 3.99% of total loans at the end of 2017, up from 3.65% compared to the previous year. Historically, the NPL ratio hit an all time high of 4.60% in 2004 and an all time low of 1.16% in 2000.

Provision coverage amounted to 97.4% at the end of 2017, up from 85.0% compared to a year earlier.

The bank created loan loss provisions worth of 0.768% of average loans in 2017. That's compared to 0.419% of loans the bank put aside to its cost on average in the last five years.

Comparing Wustenrot Stavebni Sporitelna with its closest peers, Ceskomoravska Stavebni Sporitelna operated at the end of 2017 with NPL ratio of 2.24% and provision coverage of 84.3%, Raiffeisen Stavebni Sporitelna with 2.95% and 77.9% respectively and Modra Pyramida Stavebni Sporitelna had 3.03% of bad loans covered with 52.1% by provisions at the end of 2017.

You can see all the bank’s data at Wustenrot Stavebni Sporitelna 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% ...
CSOB % 3.57% 4.79% 4.19% 3.73% 3.03% ...
Equa Bank % 7.99% 2.04% 2.53% 3.01% 1.15% ...
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% ...
Home Credit Group % 7.57% 12.2% 15.3% 10.0% 6.20% ...
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% ...
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 % 8.14% 7.63% 8.03% 8.05% 7.34% 5.80% 5.64% 2.71%