Banka Creditas's non-performing loans reached 2.77% of total loans at the end of 2024, up from 2.67% compared to the previous year. Historically, the NPL ratio hit an all time high of 35.6% in 2011 and an all time low of 2.67% in 2023.
Provision coverage amounted to 60.4% at the end of 2024, up from 49.7% compared to a year earlier.
The bank created loan loss provisions worth of -0.545% of average loans in 2024. That's compared to 0.158% of loans the bank put aside to its cost on average in the last five years.
Comparing Banka Creditas with its closest peers, Ceska Sporitelna operated at the end of 2024 with NPL ratio of 1.80% and provision coverage of 102%, CSOB with 1.43% and 43.6% respectively and Komercni Banka had 1.94% of bad loans covered with 44.3% by provisions at the end of 2024.
You can see all the bank’s data at Banka Creditas Profile, or you can download a report on the bank in the report section.
Helgi Library 
