Investor Presentaiton
Funding Structure
Analysis of Liabilities and Equity (€ bn)
■Total equity ■Other liabilities ELA ECB funding Customer deposits
Loans to Deposits ratio
-Customer deposits to Total Assets
Loans to deposits ratio (net)
I Adjusting for the disposal
I of the majority of the
Russian operations
15,0 14,1
13,8 13,3 13,2
13,6
30,4 29,4
28,6
27,5
26,8 26,7
25,4
24,2
145%
151% 148% 148%
140%
141% 138% 136%
139% 1
132%
I
13,6
13,6
N
N
I
1,4
0,9
0,9
I
0,8
0,5
51%
0,5
49%
48% 48% 49%
49% 51%
54%
51%
156%
9,6
9,5
8,8
7,7
7,4
6,9
5,9
4,9
+
1,8
1,8
1,9
1,9
1,7
1,7
1,6
1,8
2,7
2,8
2,8
3,8
3,5
3,5
3,5
3,5
Jun Dec Mar Jun Sep Dec Mar
2013 2013 2014 2014 2014 2014 2015
Jun
Jun
Sep
2015
2015
2015
¡ (excl. ¡
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15
Jun-15 Sep-15
I UB)
Analysis of Liabilities and Equity (%)
■Total equity Other liabilities ■ELA ECB funding Customer deposits
49%
48%
48%
49%
49%
51%
54%
56%
5%
5%
5%
3%
3%
3%
2%
2%
31%
32%
31%
28%
28%
26%
23%
20%
6%
7%
7%
7%
7%
6%
6%
6%
9%
9%
10%
14%
13%
13%
14%
15%
.
•
Further progress in normalising the Bank's funding
structure.
At 30 September 2015, customer deposits and ELA
accounted for 56% and 20% of assets, respectively.
Consistent improvement in the loans to deposits ratio
(L/D), with the L/D ratio improving by 4 p.p. in
3Q2015 to 132%, the lowest level post bail in;
Adjusting for the disposal of the majority of the
Russian operations, the improvement in the L/D ratio
during 3Q2015 was 7 p.p.
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15
Bank of Cyprus
16
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