Income Statement and Eurosystem Funding Review
Credit Risk - Quality of Loan portfolio
Problem Loans (€ bn)
90+ DPD
■NPLS (CBC definition)
■NPES (EBA definition)
7,69
6,66
15,05
14,44
14,58
14,74
12,9813,13
14,04
13,00
12,76
12,98
12,59
11,01
10,21
31.12.12
30.06.13
30.09.13
31.12.13
31.03.14
30.06.14
Group loan quality indicators
90+ DPD provision coverage
90+ DPD ratio
47,4%
48,6% 48,6% 49,8%
52,5%
53,2% 53,1%
38,8%
42%
37%
38%
39%
39%
38%
41%
42%
30.06.13 30.09.13 31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 31.03.15
30.09.14
14,96
15,17
12,65
12,79
31.12.14
31.03.15
*
90+ DPD increased by €136 mn during
1Q2015 due to fluctuations in exchange rates.
In constant currencies 90+ DPD decreased
by €46 mn in 1Q2015.
Non Performing Exposures (NPEs), as EBA
definition, totalled €15,17 bn and accounted
for 63% of gross loans
90+ DPD ratio at 53,1%; 90+ DPD provision
coverage at 42%, compared to 41% as at 31
December 2014; Taking into account tangible
collateral at fair value, 90+ DPD are fully
covered
* 90+ DPD are loans with a specific provision (i.e. impaired loans) and loans past-due for more than 90 days but not impaired
Bank of Cyprus
22
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