Investor Presentaiton
1)
Cypriot business
Market shares¹
45.4%
41.1%
37.5%
37.1%
⚫Loans
Deposits
41.7%
41.5%
41.9%
Group Financial Results for the year ended 31 December 2020
Strong market shares in resident and non-resident deposits
Residents
Non-residents
37.3%
38.3%
35.8%
35.8%
35.7%
34.9%
35.4%
36.0%
35.0%
32.8%
35.1%
35.0%
35.0%
31.1%
35.3%
34.9%
34.8%
35.0%
34.9%
31.5%
29.5%
Dec 16
Dec 17
Dec 18
Dec 19
Jun 20
Sep 20
Dec 20
Dec 16
Dec 17
Dec 18
Dec 19
Jun 20
Sep 20
Dec 20
Average contractual interest rates (bps) (Cy)
Yield on Loans
Cost of Deposits
Customer spread
Customer deposit rates decline further (bps) (Cy)
Time & Notice accounts
Savings and Current accounts
Cost of deposits
16
33
396
392
384
380
376
380
381
376
374
371
16
11
8
6
5
4Q2019
1Q2020
2Q2020
3Q2020
4Q2020
11
8
6
24
24
19
15
5
12
0
1
1
0
0
4Q2019
1Q2020
2Q2020
3Q2020
4Q2020
The market share on loans was affected as from 30 September 2018 following a decrease in total loans in the banking sector, mainly attributed to €6 bn non-performing loans of Cyprus Cooperative Bank (CyCB) which remained to SEDIPES (a legal entity without license to operate as
a credit institution) as a result of the agreement between CyCB and Hellenic Bank
Bank of Cyprus Holdings
64View entire presentation