Investor Presentaiton
Asset Quality
(€ mn)
Dec-15
Sept-15
Jun-15
Mar-15
Dec-14
A. Gross Loans after Fair value on Initial recognition
21.385
21.597
22.575
22.540
22.206
Fair value on Initial recognition
1.207
1.266
1.351
1.545
1.566
B. Gross Loans
22.592
22.863
23.926
24.085
23.772
B1. Loans with no arrears
10.443
9.925
10.178
10.038
10.065
B2. Loans with arrears but not impaired
3.049
3.611
4.105
4.627
4.413
Up to 30 DPD
469
585
668
662
562
31-90 DPD
351
355
435
596
492
91-180 DPD
144
200
227
344
440
+
+
181-365 DPD
259
374
529
758
926
+
Over 1 year DPD
1.826
2.097
2.246
2.267
1.993
+
B3. Impaired Loans
9.100
9.327
9.644
9.420
9.294
With no arrears
876
848
969
1.006
1.153
Up to 30 DPD
78
66
91
68
149
31-90 DPD
91-180 DPD
24
60
121
275
142
65
152
167
181
143
181-365 DPD
310
464
489
445
685
Over 1 year DPD
7.747
7.737
7.807
7.445
7.022
(90+ DPD)*
11.329
11.998
12.646
12.789
12.653
90+ DPD ratio (90 + DPD / Gross Loans)
50,1%
52,5%
52,9%
53,1%
53,2%
Accumulated provisions
5.445
4.933
5.381
5.354
5.140
Gross loans provision coverage
24,1%
21,6%
22,5%
22,2%
21,6%
90+ DPD provision coverage
48,1%
41,1%
42,5%
41,9%
40,6%
Bank of Cyprus
KOINO
ΚΥΠΡΙ
2235
41
* 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 daysView entire presentation