Investor Presentaiton
Market Shares and Customer flows in Cyprus
Market share evolution in Cyprus
-Deposits
Loans
Cumulative Customer flows (€ mn)
300
0
-300
-600
-900
-1.200
-1.500
-1.800
-2.100
-2.400
-2.700
-3.000
31/03/13
30/04/13
31/05/13
30/06/13
31/07/13
31/08/13
30/09/13
31/10/13
30/11/13
31/12/13
31/01/14
28/02/14
31/03/14
30/04/14
31/05/14
30/06/14
31/07/14
31/08/14
30/09/14
31/10/14
30/11/14
31/12/14
31/01/15
28/02/15
31/03/15
30/04/15
31/05/15
30/06/15
31/07/15
31/08/15
30/09/15
31/10/15
Sep-13
Dec-13
Mar-14
903
446
450 386
283
65
-11
-411
-546
Total customer flows per quarter (€ mn)
Jun-14
Sep-14
Oct-14
Nov-14
Dec-14
Jan-15
Feb-15
Mar-15
Apr-15
May-15
Jun-15
27,9%
27,5%
26,4%
38,1%
39,1%
40,0%
25,5%
39,5%
24,9%
40,5%
24,8%
40,8%
24,6%
41,1%
24,8%
38,8%
25,0%
37,2%
25,5%
37,3%
25,3%
37,7%
25,2%
38,0%
25,4%
38,6%
25,7%
38,5%
26,0%
38,9%
26,1%
39,2%
26,5%
39,3%
Jul-15
Aug-15
Sep-15
-2.227
453
2Q13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15*
•
Around 2% increase in the Bank's market share in deposits
since low of 24,6% in November 2014.
The Bank's market share in loans has been hovering
around 39%
Positive net customer flows** per quarter since 4Q2014
despite full abolition of capital controls in April 2015 and the
recent adverse economic developments
developments in Greece,
underlying the decoupling of the Cypriot banking system
and economy.
Net customer flows** of €2,5 bn post 3Q2014 indicate a
return of confidence by customers towards the Bank
Bank of Cyprus
Customer flows are defined as the difference between changes in the stock of customer deposits and changes in the stock of gross
customer loans, taking into account, among others, provisions, write offs, accrued interest, fair value adjustments and foreign
exchange fluctuations.
Up to 23 November 2015
KOINO
ΚΥΠΡΙ
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