Investor Presentaiton
Deposits at €16.3 bn, broadly flat qoq
€ bn
Cyprus deposits by passport origin²
Group Financial Results for the six months ended 30 June 2020
3%
16.84
3.70
16.38
16.47
3.46
3.49
16.69
3.54
16.25
3.31
16.30
3.32
4% 6%
20%
Cyprus
Other EU
Russia
Other countries
67%
Other European countries, excl. Russia
13.14
12.92
12.98
13.15
12.94
12.98
Dec 18
Jun 19
Sep 19
Dec 19
Mar 20
Jun 20
1
Cyprus IBU
Cyprus non-IBU
Significant surplus liquidity of €3.9 bn
Minimum
Liquidity ratio
30 Jun 2020
Surplus
required
Significant surplus liquidity of €3.9 bn, up 32% qoq, reflecting €1 bn utilisation
of TLTRO III
• Strong deposit market share of 35.0%
LCR (Group)
100%
257%
€3,949 mn
•
Flexibility to operate below 100% LCR limit at least until end 2021
NSFR 3
100%
134%
€4,248 mn
(1) Servicing exclusively international activity companies registered in Cyprus and abroad and not residents
(2) Origin is defined as the country of the passport of the Ultimate Beneficial Owner
Bank of Cyprus Holdings
(3) The NSFR has not yet been introduced. The NSFR is calculated as the amount of "available stable funding" (ASF) relative to the amount
of "required stable funding" (RSF), on the basis of Basel III standards. Its calculation is a SREP requirement. The EBA NSFR will be
enforced as a regulatory ratio under CRR II in 2021
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