Group Financial Results H1 2016
Asset Quality- 90+ DPD analysis
(€ mn)
Jun - 16
Mar-16
Dec-15
Sept-15
Jun-15
A. Gross Loans after Fair value on Initial recognition
20.040
20.719
21.385
21.597
22.575
Fair value on Initial recognition
1.043
1.130
1.207
1.266
1.351
B. Gross Loans
21.083
21.849
22.592
22.863
23.926
B1. Loans with no arrears
10.879
10.551
10.443
9.925
10.178
B2. Loans with arrears but not impaired
2.607
2.901
3.049
3.611
4.105
Up to 30 DPD
574
623
469
585
668
31-90 DPD
361
386
351
355
435
91-180 DPD
121
133
144
200
227
+
+
+
181-365 DPD
Over 1 year DPD
175
183
259
374
529
1.376
1.576
1.826
2.097
2.246
+
B3. Impaired Loans
7.597
8.397
9.100
9.327
9.644
With no arrears
Up to 30 DPD
31-90 DPD
91-180 DPD
647
860
876
848
969
25
36
78
66
91
41
57
24
60
121
95
49
65
152
167
181-365 DPD
123
157
310
464
489
Over 1 year DPD
6.666
7.238
7.747
7.737
7.807
(90+ DPD) 1
9.269
10.289
11.329
11.998
12.646
90+ DPD ratio (90 + DPD / Gross Loans)
44,0%
47,1%
50,1%
52,5%
52,9%
Accumulated provisions
4.875
5.076
5.445
4.933
5.381
Gross loans provision coverage
23,1%
23,2%
24,1%
21,6%
22,5%
90+ DPD provision coverage
52,6%
49,3%
48,1%
41,1%
42,5%
(1) Loans in arrears for more than 90 days (90+ DPD) are defined as loans past-due for more than 90 days and those that are impaired (impaired loans are those which are not
considered fully collectable and for which a provision for impairment has been recognised on an individual basis or for which incurred losses exist at their initial recognition or
customers in Debt Recovery).
Bank of Cyprus
KOINO
KYMPI
43View entire presentation