Investor Presentaiton
Customer Deposits
Growing customer deposit¹ base (€ bn )
Cyprus
2
■ UK
■Russia & Other countries
Improving funding structure
-Customer deposits to Total Assets
-Loans to deposits ratio (net)
14,97
14,07
14,18
1,02
13,80
1,24
1,25
0,83 0,86
1,25
13,33 13,17
0,80 0,55
1,29 1,31
13,61 13,63 13,61
0,00
0,61 0,61
1,36 1,39
0,00
1,49
151%
1,45
145%
148% 148%
141%
138%
136%
132%
121%
12,71
11,99 11,69
11,24 11,31
11,64 11,63
12,16
12,69
61%
49%
48% 48% 49%
49%
51%
54%
56%
Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15
Increasing deposit market shares in Cyprus
Residents
Non-Residents
32,2%
30,8%
31,1%
32,5% 31,8%
28,4%
27,5%
26,7% 26,9% 26,7%
27,5%
25,5%
24,6% 24,3%
23,7%
24,1% 24,6% 25,3%
26,1%
27,0% 26,6% 26,5%
Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Jan-16 Feb-16
•
•
Dec Mar Jun Sep Dec
2013 2014 2014 2014 2014
Mar
Jun
2015 2015 2015 2015
Sep
Dec
Group customer deposits totalled €14,18 bn at 31
December 2015. Adjusting for the disposal of the
Russian operations, customer deposits increased
by €1,6 bn or 12% during FY2015
Deposit market shares in Cyprus for Residents and
non-Residents reached 26,5% and 31,8% respectively,
in February 2016;
Ratio of Loans to deposits improved by 20
percentage points to 121% during 2015 and is in line
with the EU average as reported by EBA³; Ratio of
Deposits to Total Assets increased by 12 percentage
points to 61% during 2015
(1)
Including deposits of disposal groups held for sale/discontinued operations.
(2) Other countries comprise Ukraine (until March 2014), Romania and Greece.
(3) Based on EBA Risk Dashboard Report, Data as at 30 September 2015
Bank of Cyprus
11
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