Investor Presentaiton
Asset Quality
(€ mn)
Sept-15
Jun-15
Mar-15
Dec-14
Sep-14
A. Gross Loans after Fair value on Initial recognition
21.597
22.575
22.540
22.206
23.136
Fair value on Initial recognition
1.266
1.351
1.545
1.566
1.606
B. Gross Loans
22.863
23.926
24.085
23.772
24.742
B1. Loans with no arrears
9.925
10.178
10.038
10.065
10.298
B2. Loans with arrears but not impaired
3.611
4.105
4.627
4.413
5.222
Up to 30 DPD
585
668
662
562
750
31-90 DPD
355
435
596
492
716
91-180 DPD
200
227
344
440
718
+
+
181-365 DPD
374
529
758
926
1.058
+
Over 1 year DPD
2.097
2.246
2.267
1.993
1.980
+
B3. Impaired Loans
9.327
9.644
9.420
9.294
9.221
With no arrears
848
969
1.006
1.153
1.145
Up to 30 DPD
66
91
68
149
66
31-90 DPD
91-180 DPD
60
121
275
142
168
152
167
181
143
233
181-365 DPD
464
489
445
685
828
Over 1 year DPD
7.737
7.807
7.445
7.022
6.781
(90+ DPD)*
11.998
12.646
12.789
12.653
12.977
90+ DPD ratio (90 + DPD / Gross Loans)
52,5%
52,9%
53,1%
53,2%
52,5%
Accumulated provisions
4.933
5.381
5.354
5.140
4.948
Gross loans provision coverage
21,6%
22,5%
22,2%
21,6%
20,0%
90+ DPD provision coverage
41,1%
42,5%
41,9%
40,6%
38,1%
Bank of Cyprus
KOINO
ΚΥΠΡΙ
48
* 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.View entire presentation