Performance and Capital Position Overview
Improving Funding Structure
Growing customer deposit base (€ bn )
■Cyprus
■ UK
1
Other countries
Improving funding structure
Customer deposits to Total Assets
Loans to deposits ratio (net)
2
141
EU average Loans to deposits ratio
14,18
14,13
148%
13,80
141%
13,61
13,63 13,61
13,33
0,01
138%
136%
13,17
132%
0,86
0,61
0,61
1,49
1,43
121%
119%
0,80
0,55
1,45
1,25
1,36
1,39
1,29
1,31
124%
125%
125%
123%
121%
11,69
11,24
11,31
11,64
12,16
12,69
12,69
61%
62%
11,63
49%
49%
51%
54%
56%
Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15
Dec 15 Mar 16
Strong market shares in Cyprus
Residents
Non-Residents
35,2%
32,2%
30,8%
+6,0 p.p³. yoy
32,9%
31,1%
28,4%
27,5%
26,7% 26,9% 26,7%
27,5%
25,6% 25,5%
27,0%
24,6% 24,3%
23,7%
24,1% 24,6%
25,3%
26,1%
26,5%
+1,9 p.p³. yoy
Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16
(1)
Other countries comprise Russia, Romania and Greece.
(2)
Based on EBA Risk Dashboard Report, Data as at 31 December 2015
(3)
p.p percentage points
Sep 2014 Dec 2014 Mar 2015 Jun 2015 Sep 2015 Dec 2015 Mar 2016
•
.
•
Group customer deposits totalled €14,13 bn at 31 March
2016. In constant exchange rates, Group customer
deposits increased by €152 mn, with customer
deposits in Cyprus increasing by €98 mn during 1Q2016
Ratio of Loans to deposits improved to 119%
Deposit market shares in Cyprus in March 2016 for
Residents and non-Residents were 26,5% and 32,9%
respectively
Bank of Cyprus
11
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