Investor Presentaiton
Asset Quality
90+ DPD fully covered by provisions & tangible collateral
Dec -14
Mar-15
Jun -15
Sep-15
Dec -15
114%
110%
109%
111%
115%
76%
71%
70%
72%
69%
Total BoC-
Cyprus
38%
39%
39%
39%
46%
Collateral
118%
113%
112%
115%
119%
77%
71%
69%
72%
68%
Corporate
41%
42%
43%
43%
51%
111%
107%
107%
108%
112%
79%
76%
75%
75%
73%
SME
32%
31%
32%
33%
39%
107%
107%
105%
106%
110%
81%
81%
80%
81%
79%
Retail-
Housing
26%
26%
25%
25%
31%
105%
104%
102%
104%
106%
56%
52%
51%
53%
49%
Retail-Other
49%
52%
51%
51%
57%
Loan Loss Reserve coverage
Tangible coverage
For Cyprus operations, 90+ DPD
provision coverage increased to
46% at 31 December 2015,
compared to 39% at 30
September 2015
coverage remains
broadly at the same level and
stands at 69% at 31 December
2015
Overall coverage of 90+DPD
loans increased to 115% at 31
December 2015, compared to
111% at 30 September 2015
Bank of Cyprus
15
DINOView entire presentation