Investor Presentaiton
Asset quality- NPE analysis
(€ mn)
Dec-20
Sep-20
Jun-20
Mar-20
Dec-19
Dec-18
A. Gross Loans after Residual Fair value adjustment
on initial recognition
12,031
12,066
12,243
12,457
12,551
15,438
Residual Fair value adjustment on initial recognition
230
243
248
252
271
462
Group Financial Results for the year ended 31 December 2020
B. Gross Loans
12,261
12,309
12,491
12,709
12,822
15,900
B1. Loans with no arrears
9,149
9,028
8,954
8,706
8,820
8,260
B2. Loans with arrears but not NPES
26
43
69
265
122
221
1-30 DPD
21
34
54
209
88
166
31-90 DPD
5
9
15
56
34
55
B3. NPES
With no arrears
Up to 30 DPD
31-90 DPD
91-180 DPD
3,086
3,238
3,468
3,738
3,880
7,419
548
533
603
601
722
1,482
16
19
28
52
54
136
26
29
39
72
76
231
18
35
48
79
121
178
181-365 DPD
81
101
178
255
263
393
Over 1 year DPD
2,397
2,521
2,572
2,679
2,644
4,999
NPE ratio (NPEs / Gross Loans)
25%
26%
28%
29%
30%
47%
Allowance for expected loan credit losses (including
residual fair value adjustment on initial recognition¹)
1,902
1,933
2,043
2,109
2,096
3,852
Gross loans coverage
NPES coverage
16%
62%
16%
16%
17%
16%
24%
60%
59%
56%
54%
52%
1)
Comprise (i) loan credit losses for impairment of customer loans and advances, (ii) the residual fair value adjustment on initial recognition of loans acquired from Laiki Bank and on loans classified at FVPL, and (iii) loan credit losses on off-balance sheet exposures disclosed on the
balance sheet within other liabilities
Bank of Cyprus Holdings
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