Investor Presentaiton
Customer Deposits
Growing customer deposit¹ base (€ bn )
Cyprus
2
■ UK
■Russia & Other countries
Improving funding structure
-Customer deposits to Total Assets
-Loans to deposits ratio (net)
14,97
14,07
14,18
1,02
13,80
13,33 13,17
13,61 13,63 13,61
0,00
0,83
1,24
0,86
1,25
1,25
0,80 0,55
1,29 1,31
0,61 0,61
1,36 1,39
0,00
1,49
151%
1,45
145%
148% 148%
141%
138%
136% 132%
121%
12,71
11,99 11,69
11,24 11,31
11,64 11,63
12,16
12,69
61%
49%
48% 48% 49% 49%
51%
54%
56%
Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15
Dec
2013
Increasing deposit market shares in Cyprus
Residents
Non-Residents
32,2%
30,8%
+4,4 p.p³. yoy
31,1%
28,4%
27,5% 26,7% 26,9% 26,7% 27,5%
25,5%
24,6% 24,3%
26,1%
23,7% 24,1% 24,6% 25,3%
+2,9 p.p.3 yoy
27,0%
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15
Jun-15 Sep-15 Dec-15
(1) Other countries comprise Ukraine (until March 2014), Romania and Greece.
(2) Including deposits of disposal groups held for sale/discontinued operations.
p.p. percentage points
(3)
(4)
Based on EBA Risk Dashboard Report, Data as at 30 September 2015
•
•
.
Jun Sep Dec
Sep
Dec
Mar
Mar Jun
2014 2014 2014 2014 2015 2015 2015 2015
Group customer deposits totalled €14,18 bn at 31
December 2015. Adjusting for the disposal of the
Russian operations, customer deposits increased
by €1,6 bn or 12% during FY2015
Deposit market shares in Cyprus for Residents and
non-Residents reached 27% and 31% respectively, in
December 2015; A gain of 2,9 percentage points in
Residents market share during FY2015
Ratio of Loans to deposits improved by 20
percentage points to 121% during 2015 and is in line
with the EU average as reported by EBA4; Ratio of
Deposits to Total Assets increased by 12 percentage
points to 61% during 2015
Bank of Cyprus
11
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