Investor Presentaiton
Funding Structure
Analysis of Liabilities and Equity (€ bn)
Total equity
ECB funding
Other liabilities
■Customer deposits
ELA
Loans to Deposits ratio
Customer deposits (bn) to Total Assets
Loans to deposits ratio (net)
Adjusting for the disposal
I of the majority of the
Russian operations
30,35
151%
145%
148%
148%
29,38
140%
141%
138% 136%
139%
28,56
27,48
26,79
26,67
51%
49%
48% 48%
49%
51%
49%
54%
53% I
25,38
30.06.13 31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 31.03.15 30.06.15 proforma
30.06.15
14,97
14,07
13,80
13,33
13,17
13,61
13,63
.
1,40
1,40
1,40
0,92
.
0,88
0,80
0,50
9,56
9,51
8,78
7,68
7,40
6,90
5,90
•
1,76
1,86
1,85
1,83
1,68
1,64
1,77
2,74
2,76
2,81
3,79
3,48
3,51
3,52
31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 31.03.15 30.06.15
Further progress in normalising the Bank's
funding structure.
At 30 June 2015, customer deposits and
Eurosystem funding accounted for 54% and 25%
of assets, respectively.
Consistent improvement in the loans to deposits
ratio (L/D), with L/D ratio improving by 2 p.p. in
2Q2015 to 136%, the lowest level post-bail-in.
Bank of Cyprus
KOINO
WKYMPιW
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