Performance and Capital Position Overview
Asset Quality- 90+ DPD analysis
(€ mn)
Mar-16
Dec-15
Sept-15
Jun-15
Mar-15
A. Gross Loans after Fair value on Initial recognition
20.719
21.385
21.597
22.575
22.540
Fair value on Initial recognition
1.130
1.207
1.266
1.351
1.545
B. Gross Loans
21.849
22.592
22.863
23.926
24.085
B1. Loans with no arrears
10.551
10.443
9.925
10.178
10.038
B2. Loans with arrears but not impaired
2.901
3.049
3.611
4.105
4.627
Up to 30 DPD
623
469
585
668
662
31-90 DPD
386
351
355
435
596
91-180 DPD
133
144
200
227
344
+
+
+
181-365 DPD
Over 1 year DPD
183
259
374
529
758
1.576
1.826
2.097
2.246
2.267
+
B3. Impaired Loans
8.397
9.100
9.327
9.644
9.420
With no arrears
Up to 30 DPD
31-90 DPD
91-180 DPD
860
876
848
969
1.006
36
78
66
91
68
57
24
60
121
275
49
65
152
167
181
181-365 DPD
157
310
464
489
445
Over 1 year DPD
7.238
7.747
7.737
7.807
7.445
(90+ DPD) 1
10.289
11.329
11.998
12.646
12.789
90+ DPD ratio (90 + DPD / Gross Loans)
47,1%
50,1%
52,5%
52,9%
53,1%
Accumulated provisions
5.076
5.445
4.933
5.381
5.354
Gross loans provision coverage
23,2%
24,1%
21,6%
22,5%
22,2%
90+ DPD provision coverage
49,3%
48,1%
41,1%
42,5%
41,9%
(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
46
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