J&T Banka's non-performing loans reached 2.57% of total loans at the end of 2025-03-31, down from 3.31% compared to the previous year. Historically, the NPL ratio hit an all time high of 9.51% in 2018-09-30 and an all time low of 2.57% in 2025-03-31.
Provision coverage amounted to 93.3% at the end of 2025-03-31, up from 82.5% compared to a year earlier.
The bank created loan loss provisions worth of -0.244% of average loans in 2025-03-31. That's compared to 0.598% 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 2025-03-31 with NPL ratio of 1.80% and provision coverage of 104%, CSOB with 1.44% and 42.8% respectively and Komercni Banka had 1.99% of bad loans covered with 44.6% by provisions at the end of 2025-03-31.
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.
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