7.

6.5

6.0

5.5

5.0

4.5

4.0

3.5

3.0
2012 2013 2014 2015 2016 2017 2018 2019 2020

NPL (Baseline) NPL (Scenario 1)

Dcps koga se zgolemuva I npl se zgolemuva 5, 8, 10%

5.6

5.2

4.8

4.4

4.0

3.6

3.2
2012 2013 2014 2015 2016 2017 2018 2019 2020

NPL (Baseline) NPL (Scenario 2)

Defi se se zgolemuva I npl se zgolemuva 5, 8, 10%

5.6

5.2

4.8

4.4

4.0

3.6

3.2
2012 2013 2014 2015 2016 2017 2018 2019 2020

NPL (Baseline) NPL (Scenario 3)

Gdpg

5.6

5.2

4.8

4.4

4.0

3.6

3.2
2012 2013 2014 2015 2016 2017 2018 2019 2020

NPL (Baseline) NPL (Scenario 4)

INF ZGOLEMUVANJE
10

3
2012 2013 2014 2015 2016 2017 2018 2019 2020

NPL (Baseline) NPL (Scenario 5)

PD ZGOLEEMUVANJE

5.6

5.2

4.8

4.4

4.0

3.6

3.2
2012 2013 2014 2015 2016 2017 2018 2019 2020

NPL (Baseline) NPL (Scenario 6)

UN ZGOLEEMUVANJE
 NPL_0 NPL_1 NPL_2 NPL_3 NPL_4 NPL_5 NPL_6
2005 11.2 11.2 11.2 11.2 11.2 11.2 11.2
2006 9.8 9.8 9.8 9.8 9.8 9.8 9.8
2007 7.3 7.3 7.3 7.3 7.3 7.3 7.3
2008 2.822082 2.822082 2.822082 2.822082 2.822082 2.822082 2.822082
2009 4.287724 4.287724 4.287724 4.287724 4.287724 4.287724 4.287724
2010 4.912423 4.912423 4.912423 4.912423 4.912423 4.912423 4.912423
2011 4.662877 4.662877 4.662877 4.662877 4.662877 4.662877 4.662877
2012 5.20204 5.20204 5.20204 5.20204 5.20204 5.20204 5.20204
2013 4.977912 4.977912 4.977912 4.977912 4.977912 4.977912 4.977912
2014 4.823819 4.823819 4.823819 4.823819 4.823819 4.823819 4.823819
2015 4.341512 4.341512 4.341512 4.341512 4.341512 4.341512 4.341512
2016 4.048528 4.048528 4.048528 4.048528 4.048528 4.048528 4.048528
2017 3.941019 3.941019 3.941019 3.941019 3.941019 3.941019 3.941019
2018 3.332035 5.178149 3.422287 3.973212 3.256785 3.939623 3.867805
2019 3.657337 5.909742 3.790477 4.500788 3.553084 4.859569 4.501577
2020 3.605223 6.897286 3.755121 4.731936 3.462391 5.070532 4.728969