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http://ec.europa.eu/internal_market/bank/crisis_management/index_en.htm#framework2012

(iii) ,

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)

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10

MONEYVAL


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).

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31 2013.
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, Alpha
Bank Cyprus Eurobank Cyprus. ,

, , ,

( ) ( ) 4
2012, .

12

.

.
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6 (baseline scenario) 9%
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8.9 ,
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2012,
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18
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.

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14

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15

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17

,
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.

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1.4, 1.13, 1.14, 1.32 1.33

18

Time span for conditionality in the financial sector

2013
Mar
MAINTAINING
LIQUIDITY

Funding and
capital plans

Apr

May

Jun

Jul

2014
Aug

Sept

Oct

Nov

Dec

Mar

Jun

2015
Sep

Dec

Jan

Dec

Submission of quaterly funding and

capital plans (1.3)

Liquidity ratio

end-Dec 14: Central Bank update s liquidity regulations. (1.4)

Rrestrictions

REGULATION
AND
SUPERVISION
OF BANKS AND
COOPERATIVE
CREDIT
INSTITUTIONS

Seizure of loan
collateral
Non performing
loans and credit
register

mid-2014: legislation for seizure of

loan collatral (1.5)
31 May 13: legislation
for NPL > 90 days (1.6)

Supervision

end Sept 13: review of loan origination, asset

impairment, priovisioning (1.8)

Core Tier 1 ratio

RESTORING
ADEQUATE
CAPITAL
BUFFERS

BoC and CPB

end-Mar 14: mandatory structured intervention (1.10)

end-Jun 14: annual stress test integrated in off-site
supervision for pillar 2 (1.12)

COOPERATIVE
CREDIT
INSTITUTIONS

end-April 13: directive for grace period for

borrowers (1.16)

end-Sep 13: Board defines business activities

and credit policies (1.28)

26/3/13:signature of
Greek carve-out (1.24)

Other commercial
banks

Supervisory
framework
Mergers,
restructuring and
resolution

end-June 13: legislation for personal finance and

financial mediation servvice (1.16)

end-Dec 2013: increase minimum of Core Tier 1 capital ratio from 8 % to 9 % (1.19)

end-April 13: ToR valuation (1.27)

Cooperative credit
institutions

end-Mar 14: implementation (1.8)

end-Sep 13: legislation on lending to board members (1.9)

end-June 13: unified data

reporting system (1.11)

Stress tests
Troubled
borrowers

end-Sep 14: credit register operational (1.7)

end-Sep 13: legislation for

credit register (1.7)

Governance

end-2014: implementation of
legislation (1.5)

end-Jun 13: institutional arrangement (1.28)

end-Jun 13: independent valuation exercise (1.27)

end-Nov 13: authorities submit

restructuring plans (1.29)

end-Sep 13: raise private capital (1.22 and 1.30 )

end-July 13: raise private capital (1.22 and 1.31 )

end-May 13: legislation that coop supervisor is integrated in CBC and

legislation that CBC can instruct coop supervisor (1.13)

end-Apr 13: ToR

assessment (1.33)

end-Jun 13: assessment

finished (1.33)

end-Jul 13: submission

of strategy (1.33)

restructuring of BoC and CPB (1.26)

end-Sep 13: authorities submit restructuring

plans (1.33)
end-Jul 13: coop supervisor integrated into CBC ( 1.13)

end-Sep 13: authorities submit

restructuring plans (1.33)

until 30/6/15 : implementation

of the strategy (1.33)

2.



,
.
, : (1)

3% 2017, 4% 2018
, (2)

, (3) ,
2013
1
2013 2.2. - 2.11 , (4)

,
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20

3.
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.
2012
2012,
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//). ,
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.
2014
2013.
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2014 % 2015-2016,
23 2012.
4

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5.6, 3.

21

2013
2.1.
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2013. 2013

, .

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2013

2013-2015
.
2013

(
2.2, 2.3, 2.4, 2.5, 2.7, 2.8, 2.9, 2.10 2.11).
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. ,
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22

,
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2.2.

EUR 75 (i) 1980

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/ .

2.3

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2013

, ,
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2.8. ( 3.2,
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23

2.9.

EUR

36

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EUR 0-2000:
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2.0%.

2.12.

2014

,
1:1,5
, ,

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,
components)

.
2014

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24

2014
( )

2013.
[ 2013],

2014 [ 2013].
2013-2015 2014-2016
2014.

(MTBF )
2011/85/EE.
2013-2015
.
2015-2016

2015 EUR 344 (2.1%
) 2016
EUR 204 (1.2% ).
,
2015-2016 [
2014] [ 2015], .
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2015-2017
2015.
2014-2016
.

2016

3% 2017 4% 2018.

25

2017.

, . ,

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()

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(2)

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26

3.1.

( ),

.
: i)
ii)
2060 iii)

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:

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.

(): (i)

6

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27

10 15
2013-17 [ 2012],

(): (i)
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2018, (v)

(vi)
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50%


[
2013],

1 2013 ,

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[
2013] ,

28

[ 2013].

.

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[ 2013]
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29

3.2.

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:
)

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. 2
2014 .
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30

,
2009.
,
:
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() ,

[ 2 2013].
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9 2011.
[ 3 2013].
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,

31

-

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[ 2
2013].
)

(diagnosis-related groups -

DRG)

DRGs [ 3 -2013.
)
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1.1.2013- 31.8.2013,
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16:00). , ,
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/ (.
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)
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32

,

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3.3.

:

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[ 2 -2013],

2011/85/E

,
()

COM (2012)342,

2013].

(
)
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2014 [2 2013] ,

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33

[ 4 2013].
()

3.4.

/ (inventory)
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34

[ 3 2013]

[ 4

2013].

,

2012.

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()
, :

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2013] [ 3 213].

(divestment) . /

[ 3 2013].
( , ) [
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.

( 3.11)[ 3
2013].
,
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35

[ 4 2013].
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36

EUR 400
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:

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37

(
).

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38

3.8.

2013.

[ 2
2013].

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2011/16/ 5
7 10, 19
21 904/2010

, ,
.

(trustees).

,


,
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5

.205()2012 ( 28
2012) .

39

)

,
( 1.17).

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(status)
6 ,



,
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(nominator)
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7

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40

().
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2013.

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FISC153.
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,
EUSD
,

EUSD. 2015

41

2014. ( )

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:

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2013

[ 2 2014],

2014.
,
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42

[ 3 2014],

,
2016 [ 2
2013].

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[1 2015]
:

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[ 2015].

3.11.
.
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43

/
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2 2013),

1.9.2013

,
( 7:30 8:00)
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): 8.00/9.00 15.30/16.30.
1.1.2013 -31.8.2013,
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44

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[ 1 2014].
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45

1 2014,
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[ 2 -2013].
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46

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47

4.1.

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[
2013]. , ,

48

2014.

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,
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49

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()

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2013],

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2005/36/E
,

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51

.

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[ 4
2013],

()

,
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5.4.
,
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:

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,
2,000
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52

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2014]. H
,
,
[ 2 2013].

,

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( 1.5) [
2013],

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[ 4 2013].

53

5.5.
. 2011,
,
2013 .
, 2011 10,1% 12,9%
, 2010,
2012 ( ) 5% 8,5%
, 2011.
, :

,
,

,
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(niches), ,
, ,



.
2011-2015
[
2 -2013].

(condo hotel

projects),

[ 2 2013],

,
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54

5.6. :

, ,
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:
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55

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56

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57

2012
2012

1.1

: EUR 01000: 0%, EUR 1001-1500: 6.5%, EUR 1501-2000: 8.5%, EUR 2001-3000: 9,5%,
EUR 3001-4000:11,5%, EUR 4001: 12.5%.
1.2

(COLA)
(1 2016) ( 4.1).
1.3

31 2016

,
.
1.4
2012-16 : i)

31 2016, ii)

() iii)
(
3.11) iv)
1880 ( 1.16).
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.
,
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58

1.6
.
1.7
0.095% 0.11% 25/60

.
1.8

.

.
2013

1.9

EUR 113 : ()

, ()

,

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EUR
29 :
i.

( , )
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59

,
15%,
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/, 50% (20%-45%
40%-90% ).
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i. ,

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,
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(129
) 2013-2016,

. 6.8%
.
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():
i. ,
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,
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60

0.5%
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.
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v. 37

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.
vi.

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vii.
.
1.13
:
i.
0.5%

2013,
65 (
) 2013 2016,

61

ii.
2013-2016.
iii.

2013 .

1.14.

EUR

25

1.15

2013,

.

1.16

1880 2013- 2016.

1.17

EUR 60/ EUR

150/. EUR
0.20/ 20 .

1.18

25%

EUR 4.78 EUR 6.00

.
EUR 598,01 EUR 956,82
.

1.19

,
( ) EUR 0.07.

62

1.20

1.21

17% 18%.
20%

EUR 5,000

.
1.22.

EUR 350 .
2014

1.23

EUR 28.5 ,

,

.
1.24

3%.
1.25
.

1.26

31 2016 : EUR 0-1,500 :0%, EUR 1,501 2,500 : 2.5%, EUR 2,501 3,500: 3.00%, > EUR 3,501- 3.5%.
1.27. 18% 2013 19%
2014.

63

1.28. 8% 9%.

1.29

,
( ) EUR 0.05.
1.30 1.1.2014

, 0.5

0.5