Income Statement and Eurosystem Funding Review
Rescheduled Loans
Rescheduled Loans by customer type (€ bn)
Rescheduled Loans
Retail housing ■ Retail consumer ■SMES
Corporate
(€ mn)
Dec-14
Mar-15
8,06
7,66
Loans with no arrears
2.788
2.907
1,49
1,41
0,52
0,50
Loans with arrears but not impaired
1.806
1.887
1,59
1,57
Impaired Loans
3.062
3.268
4,18
31.12.14
4,46
Total
31.03.15
Rescheduled loans % gross loans 1 by customer type
.
Corporate ■SMES
■Retail housing
■Retail Consumer
39%
34% 33%
22%
31.12.14
41%
35% 35%
22%
31.03.15
7.656
8.062
Group rescheduled loans totalled to €8,06 bn at
31 March 2015 compared with €7,66 bn at 31
December 2014
Around 36% of rescheduled loans have no
arrears post rescheduling
Higher rescheduling activity observed. in
corporate sector (41% as at 31 March 2015)
followed by Retail housing and SMEs sectors
(35% each as at 31 March 2015)
1 Before fair value adjustment on initial recognition relating to loans acquired from Laiki Bank (difference between the
outstanding contractual amount and the fair value of loans acquired) amounting to €1.545 mn for gross loans and to €689
mn for rescheduled loans (compared to €1.566 mn and €658 mn respectively at 31 December 2014), including loans of
discontinued operations/disposal group held for sale.
Bank of Cyprus
KOINO
WKYNРIW
2235
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