Investor Presentaiton
Rescheduled Loans
Rescheduled Loans by customer type (€ bn)
Rescheduled Loans
Retail housing ■Retail consumer ■SMES
Corporate
(€ mn)
8,06
9,03
7,66
Loans with no arrears
31.12.14 31.03.15 30.06.15
2.788 2.907 3.532
1,72
1,49
1,41
0,59
Loans with arrears but not impaired 1.806 1.887 1.942
0,52
0,50
1,81
1,59
1,57
Impaired Loans
4,18
4,46
4,90
Total
3.062
3.268 3.556
7.656 8.062 9.030
31.12.14
31.03.15
30.06.15
.
Rescheduled loans % gross loans¹ by customer type
31.12.14
■31.03.15
■30.06.15
39%41%41%
34%35% 36%
39%
33% 35%
Corporate
SMES
22%22%24%
Retail housing Retail Consumer
.
Further progress on restructuring activity with Group
rescheduled loans totalling 9,03 bn at 30 June
2015 compared to 8,06 bn at 31 March 2015
Around 39% of rescheduled loans have no arrears
post rescheduling. Taking into account only the loans
restructured post 31 March 2014, for the Cyprus
operations the percentage of rescheduled loans with
no arrears increases to 70%
Higher rescheduling activity observed in corporate
(41% at 30 June 2015 at the same level as at 31
March 2015) followed by Retail housing
rescheduling activity which increased to 39%
compared to 35% at 31 March 2015
1 Before fair value adjustment on initial recognition relating to loans acquired from Laiki Bank (difference between the outstanding
contractual amount and the fair value of loans acquired) amounting to €1,351 mn for gross loans and to €611 mn for rescheduled loans
(compared to €1,545 mn and €689 mn respectively at 31 March 2015), including loans of discontinued operations/disposal group held for
sale.
Bank of Cyprus
54
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