Income Statement and Eurosystem Funding Review
Asset Quality
(€ mn)
Mar-15
Dec-14
Sep-14
Jun-14
Mar-14
A. Gross Loans after Fair value on Initial recognition
22.540
22.206
23.136
23.685
24.450
Fair value on Initial recognition
1.545
1.566
1.606
1.615
1.813
B. Gross Loans
24.085
23.772
24.742
25.300
26.263
B1. Loans with no arrears
10.038
10.065
10.298
10.964
11.491
B2. Loans with arrears but not impaired
4.627
4.413
5.222
5.285
6.037
Up to 30 DPD
662
562
750
919
865
31-90 DPD
596
492
716
826
1.151
91-180 DPD
344
440
718
674
+
682
+
181-365 DPD
758
926
1.058
1.145
1.635
+
Over 1 year DPD
2.267
1.993
1.980
1.721
1.704
+
B3. Impaired Loans
9.420
9.294
9.221
9.051
8.735
With no arrears
1.006
1.153
1.145
1.133
1.051
Up to 30 DPD
68
149
66
104
53
31-90 DPD
91-180 DPD
275
142
168
122
344
181
143
233
398
317
181-365 DPD
445
685
828
1.551
1.495
Over 1 year DPD
7.445
7.022
6.781
5.743
5.475
(90+ DPD)*
12.789
12.653
12.977
12.591
12.756
90+ DPD ratio (90 + DPD / Gross Loans)
53,1%
53,2%
52,5%
49,8%
48,6%
Accumulated provisions
5.354
5.140
4.948
4.879
5.029
Gross loans provision coverage
22%
22%
20%
19%
19%
90+ DPD provision coverage
42%
41%
38%
39%
39%
Bank of Cyprus
KOINO
ΚΥΠΡΙ
Loans in arrears for more than 90 days (90+ DPD) = Loans with arrears over 90 days but not impaired + Impaired Loans
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