Investor Presentaiton
Up to 19 February 2016
Sep-13
27,9%
38,1%
Dec-13
27,5%
39,1%
Mar-14
26,4%
40,0%
Jun-14
25,5%
39,5%
Sep-14
24,9%
40,5%
Dec-14
24,8%
38,8%
Total customer flows** per quarter (€ mn)
903
870
446
450 386
283
65
97
-11
-546
-411
-2.227
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 1Q16*
Customer flows are defined as the difference between changes in the stock of customer deposits and changes in the stock of gross
customer loans, taking into account, among others, provisions, write offs, accrued interest, fair value adjustments and foreign
exchange fluctuations.
Market Shares and Customer flows in Cyprus
Market share evolution in Cyprus
Deposits
-Loans
Cumulative Customer flows** (€ mn)
Mar-15
25,3%
37,7%
Jun-15
25,7%
38,5%
Sep-15
26,5%
39,3%
Bank of Cyprus
KOINO
WKYNРIW
39
Dec-15
28,2%
37,9%
-300
-600
-900
-1.200
-1.500
-1.800
-2.100
-2.400
-2.700
-3.000
31/03/13
30/06/13
30/09/13
31/12/13
31/03/14
30/06/14
30/09/14
31/12/14
31/03/15
300
0
30/06/15
30/09/15
31/12/15View entire presentation