Investor Presentaiton
Asset Quality
Performance of restructured loans (post-31 December 2013, by quarter) as at 31 December 2015 1
•
Total Bank Cyprus
Corporate
-
100%
95% 97%
92%
Quarterly average
100%
1Q2014 ■2Q2014
3Q2014
88%
83%
79% 78% 79%
80%
73% 73%
64%
65%-----73%
4Q2014 ■1Q2015
■3Q2015
2Q2015
86%
87%
80%
67%
60%
60%
40%
30%
40%
26%
20%
20%
4%
9%5%
16% 12%
13%2%
3%
6%
4% 5%
14% 7%6%5
5%
20%
4%
2%
12%
3% %2%
7% 5%
1%
7%
7%
,9%
,5% 7%
0%
0%
No arrears 1-30 dpd
31-90 dpd
Over 90 dpd
No arrears
1-30 dpd
1% 2% 0% 0% 0% 0% 2%.
31-90 dpd
9%
Over 90 dpd
SMES
Retail
100%
100%
80%
6568% 69%
80%
66%
58%
60%
--58%
51%
66% 6568%
5556% 57% 63%
71%
60%
46%
84%
40%
33%
40%
20%-
8% 20%
23%
19%
20%
13% 13%
12%
10%
9%
4% 7%
·9%5%
11%.
7%
3%4%
20%
9% 13% 14% 19%99%
22%
28% 25%
16%
8% 6%
4%
10% 10% 8%
11%
8%
6%
5% 2% 13%
0%
0%
No arrears
1-30 dpd
31-90 dpd
Over 90 dpd
No arrears
1-30 dpd
31-90 dpd
Over 90 dpd.
An analysis performed as at 31 December 2015 indicates that on average 73% of the loans restructured post 31 December
2013 (restructurings performed in 4Q2015 were excluded) for Cyprus operations, have no arrears; The average percentage
of restructured loans with arrears more than 90 days stands at 12%
•
Corporate restructured loans exhibit the best performance with an average percentage
loans with no arrears of 87%
of restructured
(1) The performance of loans restructured during 4Q2015 is not presented in this graph as it is too early to assess it.
Bank of Cyprus
DINO
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