Performance and Capital Position Overview
Restructuring Momentum Remains Strong
Restructuring Activity by quarter (€ bn)
Corporate
SMEs
Retail
Total restructurings
--Average restructurings
117%
0,73
0,56
0,32
0,24
0,29
0,33
0,15
0,07
0,09
0,11
1Q2015
2Q2015
3Q2015
0,69
0,44
0,38
0,20
0,17
0,07
4Q2014
Restructured loans performance1
72% 74%
88%
74%
65%
69%
%-69% 75%
67%
No arrears
■1Q2014
■1Q2015
■2Q2014
■2Q2015
■3Q2014
■3Q2015
■4Q2014
4Q2015
Average
18%
14%
8% 9%
4%
15% 3%
9%
23%
16%
15%
8%
4% 5% 6% 7% 8% 7%
11%
3%
1-30 dpd
31-90 dpd
°8% 8% 6% 8%
0%
Over 90 dpd
(1) The performance of loans restructured during 1Q2016 is not presented in this graph as it is too early to assess it.
0,82
11%
1,50
1,35
0,95
0,73
0,34
0,35
0,19
0,19
4Q2015
1Q2016
Total restructurings of €1,5 bn for
1Q2016; Restructuring of corporate loans
accounted for 64% of total 1Q2016
restructurings
At 31 March
2016, 75% of loans
restructured post 31 December 2013 for
Cyprus operations have no arrears, while
8% of such restructured loans were in
arrears more than 90 days
DINO
Bank of Cyprus
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