Investor Presentaiton
Asset Quality
90+ DPD
90+ DPD (bn)
90+ DPD ratio
53,2%
53,1%
52,9%
52,5%
Non Performing Exposures (NPEs)
NPES (€ bn)
NPES ratio
62,9%
63,0%
61,9%
62,2%
61,8%
15,0
15,2
14,8
50,1%
14,2
14,0
12,7
12,8
12,6
12,0
11,3
Dec-14
Mar-15
Jun-15
Sep-15
Dec-15
Dec-14
Mar-15
Jun-15
Sep-15
Dec-15
Evolution of 90+ DPD (€ mn)
2.723
1.329 1.399
945
5.311
386
136
-247 -164
-325
-143
-649-668
FY14:
-350
FY09 FY10 FY11 FY12 FY13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15
FY15:
-1.324
90+ DPD¹ were reduced by €1,3 bn or 10% during
FY2015, due to restructuring and deleveraging; 90+
DPD ratio at 50% at 31 December 2015
Non Performing Exposures (NPEs), as
per EBA
definition, were reduced by €1,0 bn during FY2015 and
totalled €14,0 bn at 31 December 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
Bank of Cyprus
DINO
12
(1) Loans in arrears for more than 90 days (90+ DPD) are defined as loans with specific provisions and loans past-due for more than 90 days.View entire presentation