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Credit Risk — 90+ DPD by customer type Group 90+ DPD loans by customer type (€ bn) ■ Corporate ■SMES ■Retail other ■Retail housing 13,0 12,8 13,0 12,6 12,7 12,8 12,0 12,6 1,3 1,3 1,3 1,2 1,2 1,2 1,2 1,1 1,2 1,2 1,1 1,1 1,2 1,3 1,2 1,1 3,3 3,4 3,5 3,1 3,1 3,1 3,3 3,0 7,2 6,9 7,0 7,1 7,2 7,2 7,1 6,8 31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 31.03.15 30.06.15 30.09.15 Group 90+ DPD have reduced to €12,0 bn Adoption of foreclosure legislation and insolvency framework are significant steps in enabling the Bank to tackle its delinquent loans in Cyprus and to improve asset quality. Bank of Cyprus KOINO WKYNРIW 52

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