The coverage ratio of gross non-performing exposures of the Italian banking Group UniCredit improved significantly from 2014 to 2019. According to data, this ratio grew from 51.2 percent in 2014 to over 65 percent in 2019.
The coverage ratio measures a bank's ability to absorb potential losses from its non-performing loans and is calculated as follows: (Loans - Reserve balance) / Total amount of non-performing loans.
Coverage ratio of non-performing exposures of Italian banking Group UniCredit from 2014 to 2019
The EBA classifies non-performing exposures as the following "Exposures (loans, debt securities, off-balance-sheet items) other than held for trading that
satisfy either or both of the following criteria:
(a) material exposures which are more than 90 days past-due;
(b) the debtor is assessed as unlikely to pay its credit obligations in full without realization of collateral, regardless of the existence of any past-due amount or the number of days past due.
Non-performing exposures include the defaulted and impaired exposures. The total NPE is given by the sum of non-performing loans, non-performing debt securities and nonperforming off-balance-sheet items. See also EBA Implementing Technical Standard (ITS) on Supervisory Reporting (Forbearance and non-performing exposures).
Data prior to 2018 from earlier publications by the source
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UniCredit Group. (April 10, 2020). Coverage ratio of non-performing exposures of Italian banking Group UniCredit from 2014 to 2019 [Graph]. In Statista. Retrieved November 05, 2024, from https://www.statista.com/statistics/936153/unicredit-group-gross-non-performing-exposures-coverage-ratio-italy/
UniCredit Group. "Coverage ratio of non-performing exposures of Italian banking Group UniCredit from 2014 to 2019." Chart. April 10, 2020. Statista. Accessed November 05, 2024. https://www.statista.com/statistics/936153/unicredit-group-gross-non-performing-exposures-coverage-ratio-italy/
UniCredit Group. (2020). Coverage ratio of non-performing exposures of Italian banking Group UniCredit from 2014 to 2019. Statista. Statista Inc.. Accessed: November 05, 2024. https://www.statista.com/statistics/936153/unicredit-group-gross-non-performing-exposures-coverage-ratio-italy/
UniCredit Group. "Coverage Ratio of Non-performing Exposures of Italian Banking Group Unicredit from 2014 to 2019." Statista, Statista Inc., 10 Apr 2020, https://www.statista.com/statistics/936153/unicredit-group-gross-non-performing-exposures-coverage-ratio-italy/
UniCredit Group, Coverage ratio of non-performing exposures of Italian banking Group UniCredit from 2014 to 2019 Statista, https://www.statista.com/statistics/936153/unicredit-group-gross-non-performing-exposures-coverage-ratio-italy/ (last visited November 05, 2024)
Coverage ratio of non-performing exposures of Italian banking Group UniCredit from 2014 to 2019 [Graph], UniCredit Group, April 10, 2020. [Online]. Available: https://www.statista.com/statistics/936153/unicredit-group-gross-non-performing-exposures-coverage-ratio-italy/