Methodology · v3.2

NRQLoan Book Quality (NPL)

Non-Performing Loans (NPL) ratio for {legal_name} — gross NPL / total loans, latest disclosed. EXTRACTION RULES: Cite the bank's most recent Pillar 3 disclosure OR ECB SSM Banking Supervision data hub OR Banca d'Italia transparency portal (for Italian banks). DO NOT compute the ratio yourself (LLMs are unreliable at arithmetic). PROVIDE THE RAW gross NPL amount + total gross loans (same currency/scale) and let the SERVER compute gross_npl/total_loans×100: Return type="exact_numerical" with derived={op:"margin_pct", inputs:{numerator:<gross_npl_amount>, denominator:<total_gross_loans>}}, unit="percent", source_urls=[Pillar 3 + ECB/national supervisor URL]. The server computes (numerator / denominator) × 100 and applies inverted ratio_band (<2%→95, 2-4→80, 4-6→60, 6-10→40, 10+→20) — lower NPL = higher score; if you also include value=<npl_pct> for back-compat the server IGNORES it for scoring and flags discrepancies. If the bank discloses NPL only on a NET basis (post-provision), state that in _reasoning and provide the net figures; accept the conservative score.