Postal Savings Bank of China's non-performing loans reached 0.887% of total loans at the end of 2018, up from 0.797% compared to the previous year. Historically, the NPL ratio hit an all time high of 0.907% in 2016 and an all time low of 0.532% in 2013.
Provision coverage amounted to 336% at the end of 2018, up from 306% compared to a year earlier.
The bank created loan loss provisions worth of 1.12% of average loans in 2018. That's compared to 0.943% of loans the bank put aside to its cost on average in the last five years.
Comparing Postal Savings Bank of China with its closest peers, Home Credit China operated at the end of 2018 with NPL ratio of 1.57% and provision coverage of 788%, Qudian with 16.7% and 118% respectively and Lexin FinTech had 2.62% of bad loans covered with 213% by provisions at the end of 2018.
You can see all the bank’s data at Postal Savings Bank of China Profile, or you can download a report on the bank in the report section.
Helgi Library 
