BANKS CY 05 CY 06 CY 07 CY 08 CY 09 CY10

ALL BANKS 177.2 173.2 214.2 313.7 432.3 459.8

Commercial bank 135.6 134.5 181.5 284.5 404.5 431.4
Public sector
Commercial bank 38.0 41.0 43.7 77.6 115.2 116.0
Local Private bank 95.6 92.3 136.5 203.9 282.7 307.6
Foreign Bank 2.1 1.2 1.2 3 6.2 7.7
Specialized bank 41.7 38.7 32.8 29.1 28.2 28.5

NON PERFORMING LOANS

BANK Net NPLS Net NPLS to Net loans(%)

S

BANKS CY CY CY CY CY 09 CY10 CY 05 CY 06 CY 07 CY 08 CY 09 CY10

05 06 07 08
ALL BANKS 45.4 36.5 29.5 79.4 125.2 123.1 2.10 1.50 1.10 2.48 3.85 3.81
Commercial 26.6 22.7 19.6 71.3 115.6 113.6 1.40 1.00 0.80 2.28 3.67 3.62
bank
Public
sector
Commercial 5.0 6.3 4.6 16.4 35.7 32.1 1.20 1.20 0.90 2.88 5.74 5.19
bank
Local 22.5 17.6 15.7 54.7 78.3 79.8 1.60 1.00 0.80 2.23 3.20 3.28
Private
bank
Foreign -1.0 -1.2 -.8 .2 1.7 1.6 -0.60 -1.00 -0.90 0.17 1.90 1.90
Bank
Specialized 18.8 13.8 10.0 8.2 9.5 9.5 23.10. 19.5 13.80 10.2 10.2 10.00
bank 0 0 8
 500

450

400

350

300 ALL BANKS

Commercial BANks
250 Comercials banks
Local private banks
200 Foreign banks
Specialized nbanks
150

100

50

0
CY 05 CY 06 CY07 CY 08 CY 09 CY 10

PROVISIONS AND BAD DEBTS Written OFF DIRectly

Chart Title
120

100

80
Series 4
60

40

20

0
CY 00 CY 01 CY 02 CY 03 CY 04 CY 05 CY 06 CY 07 CY 08 CY 09
SPREAD IN BANKING SECTOR

years Inflation Lending Lending Deposit Deposit Interest Interest

rate rate rate rate rate rate rate
Spread Spread
1990-95 10.57 12.55 1.98 6.53 -4.05 6.02 5.95
1996 10.8 14.4 3.6 6.4 -4.04 8.00 8.00
1997 11.8 14.6 2.8 6.8 -5.0 7.8 7.8
1998 7.8 15.6 7.8 6.8 -1.0 8.8 8.8
1999 5.7 14.8 9.1 6.5 0.8 8.3 8.3
2000 3.6 13.52 10.9 5.47 19 8.05 9.00
2001 4.4 13.61 9.21 5.27 0.87 8.34 8.34
2002 3.5 13.19 9.69 3.61 0.11 9.58 9.58
2003 3.1 9.40 6.3 1.61 -1.49 7.79 7.79
2004 4.6 7.28 2.68 0.95 -3.65 6.33 6.33
2005 9.3 8.81 -0.49 1.37 -7.93 7.44 7.44