Investor Presentaiton
Credit Risk - Quality of Loan portfolio
90+ DPD Loans
י - ז
L-
I
Adjusting for the disposal of the majority
of the Russian operations
NPES
Adjusting for the disposal of the majority
of the Russian operations
I
L_I
62,9%
63,0%
I
61,9%
62,2%
62,2%
52,5% 53,2% 53,1%
52,9%
153,0%
52,5%
48,6%
48,6% 49,8%
15,0
15,2
14,8
14,4
14,2
13,0
13,0
12,8
12,6
12,7
12,8
12,6
12,3
12,0
Mar-15 Jun-15 Jun 2015 | Sep-15
(excl.UB) I
90+ DPD ratio
Dec-14
Mar-15
Jun-15
INPES (€ bn)
Jun 2015 (excl.UB)
L.
-NPEs ratio
Sep-15
Dec-13 Mar-14
Jun-14 Sep-14 Dec-14
90+ DPD (bn)
Evolution of 90+ DPD and NPES (€ mn)
Change in 90+ DPD
■Change in NPES
3.319
Excluding disposal
of the majority of the
Russian operations
1.972
1.240
386
136214
I
20
-247 -164
-143
-325
-280
-366
-649
-172
4Q12 1H13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 3Q15 I
I
(excl |
UB) I
90+ DPD1 decreased by €649 mn during 3Q2015
and totalled €12,0 bn at 30 September 2015.
€369 mn of the reduction relates to the disposal
of the Russian operations. 90+ DPD ratio stood
at 52,5% at 30 September 2015
Non Performing Exposures (NPEs), as per EBA
definition, decreased by €584 mn during 3Q2015
and totalled €14,2 bn at 30 September 2015
The level of NPEs exceeds the level of 90+ DPD,
primarily due to the fact that cured performing
exposures are required to remain in the NPES
category until specific probation timeframes have
elapsed
Bank of Cyprus
1 Loans in arrears for more than 90 days (90+ DPD) are defined as loans with a specific provision and loans past-due for more than 90 days, but not impaired.
22
KOINO
WKYпPIW
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