Investor Presentaiton
Asset Quality
(€ mn)
Jun-15
Mar-15
Dec-14
Sep-14
Jun-14
A. Gross Loans after Fair value on Initial recognition
22.575
22.540
22.206
23.136
23.685
Fair value on Initial recognition
1.351
1.545
1.566
1.606
1.615
B. Gross Loans
23.926
24.085
23.772
24.742
25.300
B1. Loans with no arrears
10.178
10.038
10.065
10.298
10.964
B2. Loans with arrears but not impaired
4.105
4.627
4.413
5.222
5.285
Up to 30 DPD
668
662
562
750
919
+
+
+
31-90 DPD
91-180 DPD
181-365 DPD
435
596
492
716
826
227
344
440
718
674
529
758
926
1.058
1.145
Over 1 year DPD
2.246
2.267
1.993
1.980
1.721
+
B3. Impaired Loans
9.644
9.420
9.294
9.221
9.051
With no arrears
969
1.006
1.153
1.145
1.133
Up to 30 DPD
91
68
149
66
104
31-90 DPD
91-180 DPD
121
275
142
168
122
167
181
143
233
398
181-365 DPD
489
445
685
828
1.551
Over 1 year DPD
7.807
7.445
7.022
6.781
5.743
(90+ DPD)*
12.646
12.789
12.653
12.977
12.591
90+ DPD ratio (90+ DPD / Gross Loans)
52,9%
53,1%
53,2%
52,5%
49,8%
Accumulated provisions
5.381
5.354
5.140
4.948
4.879
Gross loans provision coverage
22%
22%
22%
20%
19%
90+ DPD provision coverage
43%
42%
41%
38%
39%
Bank of Cyprus
KOINO
WKYNPIW
Loans in arrears for more than 90 days (90+ DPD) = Loans with arrears over 90 days but not impaired + Impaired Loans
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