Group Financial Results H1 2016
CET1 ratio
31.03.16
(transitional)
Profit before
provisions
Provisions
Other
Liabilities and Equity structure- CET1 ratio
Analysis of Liabilities and Equity (€ bn)
■Total equity
Other liabilities ELA ECB funding Customer deposits
26,8
26,7
25,4
24,2
23,3
22,7
22,7
13,2
13,6
13,6
13,6
14,2
14,1
14,7
0,9
0,8
0,5
0.5
7,4
6,9
5,9
0.7
0.5
4,9
0,7
3,8
3,3
1,8
1,9
1,9
1,7
1.5
1,7
1,8
3,5
3,5
3,5
3,5
3,1
3,1
3,1
Dec-14
Mar-15
Jun-15 Sep-15 Dec-15
Mar 16
Jun-16
Evolution for CET1 ratio¹ during 2Q2016
RWAs Change
(1)
23
Transitional basis; includes audited profits for the six months ended 30 June 2016.
(2) Based on EBA Risk Dashboard Report, Data as at 31 March 2016
(3) Minimum Requirement for Own Funds and Eligible Liabilities.
DTA and other
equity movements
•
The Bank considers that it is appropriately capitalised, taking into
account its risk profile, level of non-performing loans, the macro-
economic environment and applicable regulatory requirements
Although the precise calibration and ultimate designation of the
Bank's MREL³ liabilities have not yet been finalised, the Bank
continues to consider various funding opportunities (including both
senior debt and/or subordinated capital instruments) in anticipation
of such upcoming requirements
Capital Adequacy Ratios
Pillar II capital requirement
0,7%
14,3%
(0,4%)
14,4%
CET 1 ratio (transitional)
----Average EU CET 1 ratio (transitional)
CET1 ratio (Fully loaded)
2
15,6%
(0,3%) 0,2%
(0,1%)
13,6%
14,9%
(0,8%)
P&L impact of
14,3% 14,4%
14,0%
15,1%
13,9%
14,0%
0,3%
11,75%
14,4%
13,5%
43,6%
13,4%
13,4%
13,4%
13,6%
13,0%
13,1%
12,8%
12,5%
12,4%
CET1 ratio
30.06.16
(transitional)
DTA2
CET1 ratio
30.06.16 (fully
loaded)
31.12.14
31.03.15
30.06.15
30.09.15 31.12.15
31.03.16 30.06.16
Bank of Cyprus
KOINO
KYMPI
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