Bank of Cyprus Credit Ratings and Financial Position
Rescheduled Loans¹
Rescheduled loans¹ - Asset Quality
Rescheduled loans¹ by customer type (€ bn)
31 March 2023
1.68
€ mn
1.58
1.51
Stage 1
0.43
0.37
0.34
1.25
Stage 2
0.17
0.15
0.14
0.18
0.17
1.01
0.14
0.01
0.01
0.01 0.13
0.06
Stage 3
0.11
0.17
0.08 0.05
POCI
777
201
31
0.90
0.91
0.89
0.90
FVPL
0.71
Dec 21
Jun 22
Retail housing
SMEs
Retail other
International corporate
Sep 22
Rescheduled loans¹ % gross loans by customer type
20%
15%
1%
Corporate & Large corporate
14%
12%
12%
10%
7%
12%
10%
9%
5%
5%
Dec 22
Mar 23
14%
12%
11%
Corporate &
International corporate
SMEs
Large corporate
Retail
Housing
Retail
Consumer
Dec 21
Jun 22
Sep 22
Dec 22
Mar 23
1) Rescheduled loans are presented net of fair value
%9
5%
Total
Fair value of collateral and credit enhancements
Loans and advances to customers
Cash
Securities
Letters of credit / guarantee
Property
Other
Surplus collateral
Net collateral
1,009
31 March 2023
(€ mn)
477
569
133
16,229
270
(8,692)
8,986
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