Investor Presentaiton
Cypriot business
Loan market share stable qoq post completion of Helix 2
⚫Loans
45.4%
41.1%
41.9%
39.1%
37.1%
Deposits
Strong market shares in resident and non-resident deposits
Residents
Non-residents
38.3%
37.3%
38.8%
35.8%
35.4%
35.3%
35.2%
35.3%
34.9%
34.9%
36.0%
35.1%
35.0%
34.8%
34.8%
32.4%
33.0%
32.8%
31.5%
Dec 17
Dec 18
Dec 19
Dec 20
Dec 17
Dec 18
Dec 19
Dec 20
Sep 21
Sep 21
Dec 21
Dec 21
Average contractual interest rates (bps) (Cy)
Yield on Loans
Cost of Deposits
Customer spread
Customer deposit rates (bps) (Cy)
Time & Notice accounts
Savings and Current accounts
Cost of deposits
6
5
4
3
3
2
380
376
375
363
343
347
374
371
371
360
340
345
15
12
9
9
8
6
00
6
5
4
3
3
2
0
0
0
O
3Q2020
4Q2020
1Q2021
2Q2021
3Q2021
4Q2021
3Q2020
4Q2020
1Q2021
2Q2021
3Q2021
4Q2021
75
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