J&T Banka's non-performing loans reached 2.65% of total loans at the end of 2024, down from 3.68% compared to the previous year. Historically, the NPL ratio hit an all time high of 14.1% in 2011 and an all time low of 2.35% in 2007.
Provision coverage amounted to 94.0% at the end of 2024, up from 78.4% compared to a year earlier.
The bank created loan loss provisions worth of 0.040% of average loans in 2024. That's compared to 1.36% of loans the bank put aside to its cost on average in the last five years.
Comparing J&T Banka 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 J&T Banka Profile, or you can download a report on the bank in the report section.
Helgi Library 
