Definition of loan coverage ratios
Loan coverage ratios
Loan coverage ratios are used by banks and analysts to measure the level of bad debts provisioning (impairment charges). Typically they measure: 1. NPL level - non-performing loans as a percentage of total loans to customers; 2. Provisioning level - total impairments as a percentage of total loans; and 3. NPL cover - total impairments as a percentage of non-performing loans.
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