Investor Presentaiton
Credit Risk — 90+ DPD loans by number of days past due and by customer type
-
90+ DPD loans by number of days past due (€ bn)
Group 90+ DPD ratios by customer type (%)
13,00
12,76
12,59
12,98
12,65
12,79
12,65
12,00
Corporate
SMES
Retail
4,85
4,02
3,54
3,76
3,36
3,37
3,00
2,67
62%
63%
64%
63%
59%
60%
56%
1,05
1,13
1,15
1,15
1,01
0.97
0,93
0,40
0,23
0,23
0,29
0,34
0,22
0,85
61%
0,13
57%
58%
59%
59%
58%
0,52
56%
36%
35%
36%
35%
34%
30%
32%
6,70
7,29
7,69
7,84
7,85
8,07
8,46
8,35
T
Dec-13
Mar-14 Jun-14 Sep-14
Dec-14 Mar-15 Jun-15 Sep-15
Mar-14
■Not Impaired but with arrears over 90 dpd Impaired with no arrears
■Impaired with arrears up to 90 dpd
Impaired with arrears over 90 dpd
90+ DPD by number of days past due as a % of gross loans
•
Total 90+DPD as a % of Gross Loans
53,2%
53,1% 52,9%
52,5%
52,5%
48,6%
48,6%
49,8%
12%
15%
14%
14%
13%
14%
18%
15%
4%
5%%
5%
1%
1%
4%%
4%
4%
1%
3%
4%%
1%
25%
28%
30%
32%
33%
34%
35%
37%
Dec 2013 Mar 2014 Jun 2014 Sept 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015
Impaired with arrears over 90 dpd
■Impaired with no arrears.
Impaired with arrears up to 90 dpd
■Not impaired but with arrears over 90 dpd
Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15
Approximately €0,9 bn of loans classified as
impaired have presented no arrears during the
last few quarters. The Bank is monitoring the
performance of these customers.
90+ DPD ratio of Corporate, SMEs and Retail
has been relatively stable at 58%, 64% and 34%
respectively at 30 September 2015 compared to
30 June 2015
Bank of Cyprus
KOINO
WKYNРIW
2235
24View entire presentation