Investor Presentaiton
Capital Position
Evolution for CET1 ratio during 3Q20151
14,9%
+0,7%
15,6%
15,1%
-0,4%
+0,3% +0,1%
-0,5%
CET1 ratio 30.06.15
(transitional)
Profit before
provisions
Provisions
Disposal of the
majority of the
Russian operations
RWAs Change
CET1 ratio 30.09.15
(transitional) 2
Capital Adequacy Ratios on an improving trend
DTA
CET1 ratio 30.09.15
(fully loaded)
22%
17%
12%
'Clean' Fully Loaded CET1 ratio² (September - 2015³)
BOC
CET1 ratio 15,1%
RWA intensity 86%
7%
Clean Fully Loaded CET1 ratio (Sept-2015)3
RWAs intesity (RWAS % Total assets)3
median CET1 ratio (11,8%)
median RWAs intensity (41%)
RWA intensity one of the highest among EU banks
31.03.14 30.06.14 30.09.14 31.12.14 31.03.15 30.06.15 30.09.15
90%
86%
86%
85%
85%
85%
83%
15,4%
15,6%
15,6%
15,7%
80%
78%
79%
78%
14,9%
15,0%
14,0%13,9%
14,2% 14,1%
75%
73%
71%
70%
11,3%
10,6%
11,5%
10,8%
65%
60%
Jun
CET 1 ratio (transitional)
Total capital ratio (transitional)
2013
Sept Dec Mar Jun Sept Dec Mar Jun Sep
2013 2013 2014 2014 2014 2014 2015 2015 2015
1 Includes independently verified profits for 9M 2015
2 As per Citigroup Research, 'Clean' Fully Loaded CET1 ratio excludes Deferred Tax Credits, AFS and Danish Compromise Estimated Impact.
3 Includes data for 3 EU banks as at 31 March 2015, 3 EU banks as at 30 June 2015 and 32 EU banks as at 30 September 2015
-RWA (%) Total Assets
Bank of Cyprus
KOINO
WKYNРIW
19
100%
80%
60%
40%
20%
0%View entire presentation