{"id":45571,"date":"2023-08-26T19:44:02","date_gmt":"2023-08-26T19:44:02","guid":{"rendered":"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5"},"modified":"2023-08-26T20:12:58","modified_gmt":"2023-08-26T20:12:58","slug":"most-banks-non-performing-loans-above-5","status":"publish","type":"post","link":"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5","title":{"rendered":"Most banks non-performing loans above 5%"},"content":{"rendered":"

Africa-Press – Mozambique. <\/strong><\/span>Banco Nacional de Investimento (BNI) and Moza Banco were the two Mozambican banks with the highest non-performing loan ratios in the second quarter, but most are above the 5% recommended by the central bank. According to the report on Prudential and Economic-Financial Indicators released on Wednesday by the central bank, the Bank of Mozambique, Banco Nacional de Investimento (BNI) \u2013 which is on the central bank\u2019s list of institutions with less than a thousand clients \u2013 closed the second quarter of this year with a non-performing loan (NPL) ratio of 60.45% of total loans (48.44% in the previous quarter) and an NPL coverage ratio of 13.03%.<\/p>\n

Among the 15 or so commercial banks listed by the central bank is Moza Banco, the country\u2019s fifth largest bank, intervened in 2016 after the collapse of Portuguese shareholder BES and is currently 3.54% owned by Novo Banco, with an NPL ratio of 26.53% (20.12% in the previous quarter) but a coverage ratio of 87.29%.<\/p>\n

In its 2022 financial stability report, released last June, the Bank of Mozambique said that the banking sector \u201cremained solid and resilient\u201d in that period, \u201cwith growth in results and adequate levels of capitalisation and liquidity\u201d.<\/p>\n

\u201cMeanwhile, with regard to asset quality, the non-performing loan ratio stood at 8.97%, above the acceptable benchmark of 5.0%,\u201d it said.<\/p>\n

From the list published by the central bank, only First Capital Bank (FCB), Ecobank and Standard Bank have an NPL ratio lower than recommended, respectively 0.43% (coverage ratio of 55.96%), 0.66% (coverage ratio of 15.29%) and 2.40% (coverage ratio of 57.55%).<\/p>\n

The country\u2019s two largest banks, Millennium BIM (Banco Internacional de Moc\u0327ambique, 66.69% owned by Portugal\u2019s BCP) and Banco Comercial e de Investimento (BCI, led by Portugal\u2019s Caixa Geral de Depo\u0301sitos and BPI), had NPL ratios of 11.19% and 13.13% respectively in the second quarter, and coverage ratios for non-performing loans of 96.37% and 41.52%.<\/p>\n

According to data from the central bank, 15 commercial banks and 12 microbanks operate in Mozambique, as well as credit cooperatives and savings and credit organisations, among others.<\/p>\n

For More News And Analysis About Mozambique<\/a> Follow Africa-Press<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Africa-Press – Mozambique. Banco Nacional de Investimento (BNI) and Moza Banco were the two Mozambican banks with the highest non-performing loan ratios in the second quarter, but most are above the 5% recommended by the central bank. According to the report on Prudential and Economic-Financial Indicators released on Wednesday by the central bank, the Bank […]<\/p>\n","protected":false},"author":84,"featured_media":45569,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,5],"tags":[233,281,283],"class_list":["post-45571","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-news","category-economy","tag-africa-press","tag-africa-press-mozambique","tag-mozambique"],"yoast_head":"\nMost banks non-performing loans above 5% - Mozambique<\/title>\n<meta name=\"description\" content=\"Banco Nacional de Investimento (BNI) and Moza Banco were the two Mozambican banks with the highest non-performing loan r ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Most banks non-performing loans above 5%\" \/>\n<meta property=\"og:description\" content=\"Banco Nacional de Investimento (BNI) and Moza Banco were the two Mozambican banks with the highest non-performing loan r ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5\" \/>\n<meta property=\"og:site_name\" content=\"Mozambique\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/AfricaPressTunisiaa\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-26T19:44:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-08-26T20:12:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/static.africa-press.net\/mozambique\/sites\/64\/2023\/08\/sm_1693064500.280009.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"720\" \/>\n\t<meta property=\"og:image:height\" content=\"478\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"cfeditoren\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"cfeditoren\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5\"},\"author\":{\"name\":\"cfeditoren\",\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/#\/schema\/person\/068c7ab4e9634ae78ec5d54ec46598bb\"},\"headline\":\"Most banks non-performing loans above 5%\",\"datePublished\":\"2023-08-26T19:44:02+00:00\",\"dateModified\":\"2023-08-26T20:12:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5\"},\"wordCount\":337,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5#primaryimage\"},\"thumbnailUrl\":\"https:\/\/static.africa-press.net\/mozambique\/sites\/64\/2023\/08\/sm_1693064500.280009.jpg\",\"keywords\":[\"Africa Press\",\"Africa Press-Mozambique\",\"Mozambique\"],\"articleSection\":[\"all news\",\"economy\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5\",\"url\":\"https:\/\/www.africa-press.net\/mozambique\/all-news\/most-banks-non-performing-loans-above-5\",\"name\":\"Most banks non-performing loans above 5% - 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