Investor Presentaiton
Credit Risk - Quality of Loan portfolio
Problem Loans (€ bn)
Adjusting for the
90+ DPD
NPLS (CBC definition)
NPES (EBA definition)
|
I disposal of the majority
of the Russian operations
I
|
14,4
14,6
15,0
15,0
15,2
14,8
14,2!
14,0
14,7
13,1
10,2
13,0
13,0
12,8
13,0
12,6
12,7
12,8
12,6
12,1
11,0
7,7
6,7
31.12.12
30.06.13 30.09.13 31.12.13
31.03.14 30.06.14
30.09.14 31.12.14 31.03.15 30.06.15
proforma
30.06.15
Evolution of 90+ DPD and NPES (€ mn)
Change in 90+ DPD
3.319
1.973
Adjusting for the disposal
■Change in NPES
1
I
I of the majority of the
I Russian operations
20
-247 -164
386
-324
136 214
-932
-143
-366-665
1H2013 3Q2013 4Q2013 1Q2014 2Q2014 3Q2014 4Q2014 1Q2015 2Q2015 2Q2015
proforma
90+ DPD1 decreased by 143 mn during
2Q2015 and totalled 12,6 mn at 30 June
2015
Non Performing Exposures (NPEs), as per
EBA definition, decreased by 366 mn during
2Q2015 and totalled 14,8 bn at 30 June
2015
The level of NPEs exceeds the level of 90+
DPD, primarily due to the fact that cured
performing exposures are required to remain
in the NPES category until specific probation
timeframes have elapsed
190+ DPD are loans with a specific provision (i.e. impaired loans) and loans past-due for more than 90 days but not impaired
Bank of Cyprus
KOINO
WKYNPIW
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