NPLs–Trend by group size
| Size description | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5 larger groups | |||||||||||||
| NPLs ratio | 4.31% | 4.08% | 4.62% | 6.60% | 7.71% | 8.78% | 11.32% | 14.90% | 17.74% | 19.17% | 18.89% | 14.57% | 11.06% |
| Noise adjusted NPL ratio (a) | 4.33% | 3.97% | 4.64% | 6.63% | 7.62% | 8.44% | 11.51% | 14.66% | 17.42% | 19.29% | 18.34% | 13.61% | 10.87% |
| Best practice NPL (b) | 2.20% | 1.52% | 2.13% | 3.62% | 3.89% | 4.87% | 9.43% | 11.70% | 13.70% | 15.23% | 12.72% | 10.50% | 7.63% |
| Excess of NPLs = Inefficiency (a-b) | 2.13% | 2.46% | 2.51% | 3.01% | 3.73% | 3.57% | 2.08% | 2.97% | 3.71% | 4.06% | 5.62% | 3.11% | 3.25% |
| Large banks | |||||||||||||
| NPLs ratio | 3.79% | 3.79% | 3.97% | 5.34% | 6.24% | 6.84% | 8.74% | 12.02% | 13.71% | 15.01% | 15.07% | 12.81% | 8.94% |
| Noise adjusted NPL ratio (a) | 4.28% | 4.48% | 4.38% | 5.56% | 6.34% | 7.05% | 9.29% | 12.37% | 14.22% | 15.25% | 16.12% | 13.97% | 9.44% |
| Best practice NPL (b) | 2.75% | 3.11% | 2.46% | 3.64% | 3.77% | 4.68% | 7.14% | 9.17% | 9.99% | 10.78% | 11.72% | 10.60% | 6.65% |
| Excess of NPLs = Inefficiency (a-b) | 1.53% | 1.36% | 1.92% | 1.93% | 2.56% | 2.37% | 2.15% | 3.20% | 4.24% | 4.47% | 4.41% | 3.37% | 2.79% |
| Small banks | |||||||||||||
| NPLs ratio | 5.94% | 5.86% | 6.44% | 8.24% | 9.19% | 10.18% | 12.61% | 15.41% | 17.19% | 19.86% | 19.75% | 16.59% | 12.27% |
| Noise adjusted NPL ratio (a) | 6.06% | 5.92% | 6.49% | 8.01% | 9.03% | 10.10% | 12.73% | 15.81% | 17.60% | 20.04% | 20.02% | 17.50% | 12.44% |
| Best practice NPL (b) | 3.49% | 3.24% | 3.44% | 3.89% | 4.13% | 5.50% | 10.25% | 12.80% | 13.52% | 15.42% | 15.03% | 13.85% | 8.71% |
| Excess of NPLs = Inefficiency (a-b) | 2.57% | 2.68% | 3.06% | 4.12% | 4.89% | 4.60% | 2.48% | 3.01% | 4.09% | 4.61% | 4.99% | 3.66% | 3.73% |
| Mutual banks | |||||||||||||
| NPLs ratio | 7.61% | 7.37% | 7.83% | 8.77% | 9.13% | 10.26% | 12.60% | 15.08% | 16.49% | 17.64% | 17.07% | 15.75% | 12.13% |
| Noise adjusted NPL ratio (a) | 7.56% | 7.34% | 7.80% | 8.81% | 9.17% | 10.29% | 12.55% | 14.99% | 16.40% | 17.59% | 17.00% | 15.57% | 12.09% |
| Best practice NPL (b) | 3.80% | 3.62% | 4.05% | 4.78% | 4.79% | 6.01% | 10.21% | 12.22% | 12.97% | 14.17% | 13.43% | 12.38% | 8.54% |
| Excess of NPLs = Inefficiency (a-b) | 3.76% | 3.72% | 3.76% | 4.03% | 4.38% | 4.27% | 2.33% | 2.77% | 3.43% | 3.42% | 3.57% | 3.19% | 3.55% |
| Total | |||||||||||||
| NPLs ratio | 7.09% | 6.89% | 7.36% | 8.50% | 9.00% | 10.09% | 12.45% | 15.04% | 16.58% | 18.00% | 17.53% | 15.76% | 12.03% |
| Noise adjusted NPL ratio (a) | 7.09% | 6.89% | 7.36% | 8.50% | 9.00% | 10.09% | 12.45% | 15.04% | 16.58% | 18.00% | 17.53% | 15.76% | 12.03% |
| Best practice NPL (b) | 3.65% | 3.46% | 3.82% | 4.56% | 4.62% | 5.85% | 10.11% | 12.22% | 13.01% | 14.33% | 13.62% | 12.50% | 8.48% |
| Excess of NPLs = Inefficiency (a-b) | 3.44% | 3.43% | 3.54% | 3.95% | 4.39% | 4.25% | 2.34% | 2.83% | 3.57% | 3.67% | 3.91% | 3.27% | 3.55% |
| Size description | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | Total |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| NPLs ratio | 4.31% | 4.08% | 4.62% | 6.60% | 7.71% | 8.78% | 11.32% | 14.90% | 17.74% | 19.17% | 18.89% | 14.57% | 11.06% |
| Noise adjusted NPL ratio (a) | 4.33% | 3.97% | 4.64% | 6.63% | 7.62% | 8.44% | 11.51% | 14.66% | 17.42% | 19.29% | 18.34% | 13.61% | 10.87% |
| Best practice NPL (b) | 2.20% | 1.52% | 2.13% | 3.62% | 3.89% | 4.87% | 9.43% | 11.70% | 13.70% | 15.23% | 12.72% | 10.50% | 7.63% |
| Excess of NPLs = Inefficiency (a-b) | 2.13% | 2.46% | 2.51% | 3.01% | 3.73% | 3.57% | 2.08% | 2.97% | 3.71% | 4.06% | 5.62% | 3.11% | 3.25% |
| NPLs ratio | 3.79% | 3.79% | 3.97% | 5.34% | 6.24% | 6.84% | 8.74% | 12.02% | 13.71% | 15.01% | 15.07% | 12.81% | 8.94% |
| Noise adjusted NPL ratio (a) | 4.28% | 4.48% | 4.38% | 5.56% | 6.34% | 7.05% | 9.29% | 12.37% | 14.22% | 15.25% | 16.12% | 13.97% | 9.44% |
| Best practice NPL (b) | 2.75% | 3.11% | 2.46% | 3.64% | 3.77% | 4.68% | 7.14% | 9.17% | 9.99% | 10.78% | 11.72% | 10.60% | 6.65% |
| Excess of NPLs = Inefficiency (a-b) | 1.53% | 1.36% | 1.92% | 1.93% | 2.56% | 2.37% | 2.15% | 3.20% | 4.24% | 4.47% | 4.41% | 3.37% | 2.79% |
| NPLs ratio | 5.94% | 5.86% | 6.44% | 8.24% | 9.19% | 10.18% | 12.61% | 15.41% | 17.19% | 19.86% | 19.75% | 16.59% | 12.27% |
| Noise adjusted NPL ratio (a) | 6.06% | 5.92% | 6.49% | 8.01% | 9.03% | 10.10% | 12.73% | 15.81% | 17.60% | 20.04% | 20.02% | 17.50% | 12.44% |
| Best practice NPL (b) | 3.49% | 3.24% | 3.44% | 3.89% | 4.13% | 5.50% | 10.25% | 12.80% | 13.52% | 15.42% | 15.03% | 13.85% | 8.71% |
| Excess of NPLs = Inefficiency (a-b) | 2.57% | 2.68% | 3.06% | 4.12% | 4.89% | 4.60% | 2.48% | 3.01% | 4.09% | 4.61% | 4.99% | 3.66% | 3.73% |
| NPLs ratio | 7.61% | 7.37% | 7.83% | 8.77% | 9.13% | 10.26% | 12.60% | 15.08% | 16.49% | 17.64% | 17.07% | 15.75% | 12.13% |
| Noise adjusted NPL ratio (a) | 7.56% | 7.34% | 7.80% | 8.81% | 9.17% | 10.29% | 12.55% | 14.99% | 16.40% | 17.59% | 17.00% | 15.57% | 12.09% |
| Best practice NPL (b) | 3.80% | 3.62% | 4.05% | 4.78% | 4.79% | 6.01% | 10.21% | 12.22% | 12.97% | 14.17% | 13.43% | 12.38% | 8.54% |
| Excess of NPLs = Inefficiency (a-b) | 3.76% | 3.72% | 3.76% | 4.03% | 4.38% | 4.27% | 2.33% | 2.77% | 3.43% | 3.42% | 3.57% | 3.19% | 3.55% |
| NPLs ratio | 7.09% | 6.89% | 7.36% | 8.50% | 9.00% | 10.09% | 12.45% | 15.04% | 16.58% | 18.00% | 17.53% | 15.76% | 12.03% |
| Noise adjusted NPL ratio (a) | 7.09% | 6.89% | 7.36% | 8.50% | 9.00% | 10.09% | 12.45% | 15.04% | 16.58% | 18.00% | 17.53% | 15.76% | 12.03% |
| Best practice NPL (b) | 3.65% | 3.46% | 3.82% | 4.56% | 4.62% | 5.85% | 10.11% | 12.22% | 13.01% | 14.33% | 13.62% | 12.50% | 8.48% |
| Excess of NPLs = Inefficiency (a-b) | 3.44% | 3.43% | 3.54% | 3.95% | 4.39% | 4.25% | 2.34% | 2.83% | 3.57% | 3.67% | 3.91% | 3.27% | 3.55% |
Note(s): Banks' size classification: (1) 5 larger groups are banks belonging to the five larger groups; (2) Large banks with intermediated funds greater than 21.5 billion euros; (3) small banks with intermediated funds between 3.6 and 21.5 billion euros; mutual banks (BCC) with intermediated funds less than 3.6 billion euros. NPLs split up into: (1) the best practice NPLs (i.e. the minimum level of NPLs in the case of complete efficiency); (2) “fortune/misfortune” (i.e. the statistical noise) and (3) the excess NPLs tied to actual inefficiency in the management of the credit process
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