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17

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1.4, 1.13, 1.14, 1.32 1.33

18

Time span for conditionality in the financial sector

2014

2013
Mar
MAINTAINING
LIQUIDITY

Fundingand
capitalplans

Apr

May

Jun

Jul

Aug

Sept

Oct

Nov

Dec

Mar

Jun

2015
Sep

Dec

Jan

Dec

Submissionofquaterlyfundingand
capitalplans(1.3)

Liquidityratio

endDec14:CentralBankupdatesliquidityregulations.(1.4)

Rrestrictions

REGULATION
AND
SUPERVISION
OFBANKSAND
COOPERATIVE
CREDIT
INSTITUTIONS

Seizureofloan
collateral
Nonperforming
loansandcredit
register

mid2014:legislationforseizureof
loancollatral(1.5)
31May13:legislation
forNPL>90days(1.6)

Supervision

endSept13:reviewofloanorigination,asset
impairment,priovisioning(1.8)

CoreTier1ratio

RESTORING
ADEQUATE
CAPITAL
BUFFERS

BoCandCPB

endMar14:mandatorystructuredintervention(1.10)
endJun14:annualstresstestintegratedinoffsite
supervisionforpillar2(1.12)

COOPERATIVE
CREDIT
INSTITUTIONS

endApril13:directiveforgraceperiodfor
borrowers(1.16)

endSep13:Boarddefinesbusinessactivities
andcreditpolicies(1.28)

26/3/13:signatureof
Greekcarveout(1.24)

Othercommercial
banks

Supervisory
framework
Mergers,
restructuringand
resolution

endJune13:legislationforpersonalfinanceand
financialmediationservvice(1.16)

endDec2013:increaseminimumofCoreTier1capitalratiofrom8%to9%(1.19)

endApril13:ToRvaluation(1.27)

Cooperativecredit
institutions

endMar14:implementation(1.8)
endSep13:legislationonlendingtoboardmembers(1.9)

endJune13:unifieddata
reportingsystem(1.11)

Stresstests
Troubled
borrowers

endSep14:creditregisteroperational(1.7)

endSep13:legislationfor
creditregister(1.7)

Governance

end2014:implementationof
legislation(1.5)

endJun13:institutionalarrangement(1.28)
endJun13:independentvaluationexercise(1.27)

endNov13:authoritiessubmit
restructuringplans(1.29)

endSep13:raiseprivatecapital(1.22and1.30 )

endJuly13:raiseprivatecapital(1.22and1.31)

endMay13:legislationthatcoopsupervisorisintegratedinCBCand
legislationthatCBCcaninstructcoopsupervisor(1.13)

endApr13:ToR
assessment(1.33)

endJun13:assessment
finished(1.33)

restructuringofBoCandCPB(1.26)

endSep13:authoritiessubmitrestructuring
plans(1.33)
endJul13:coopsupervisorintegratedintoCBC(1.13)

endJul13:submission
ofstrategy(1.33)

endSep13:authoritiessubmit
restructuringplans(1.33)

until30/6/15:implementation
ofthestrategy(1.33)

2.



,
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20

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21

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22

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23

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24

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25

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27

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31

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32

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39

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53

5.5.
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56

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2012
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1.1

: EUR 01000: 0%, EUR 1001-1500: 6.5%, EUR 1501-2000: 8.5%, EUR 2001-3000: 9,5%,
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31 2016, ii)

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59

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61

ii.
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.
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2013,

.
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EUR 60/ EUR

150/. EUR
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EUR 598,01 EUR 956,82
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62

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17% 18%.
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3%.
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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

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0.5