Bank of Cyprus Credit Ratings and Financial Position
2)
3)
4)
7237
Retail funded deposit base up 7% yoy; loan to deposit ratio at 53%
Deposits at €19.0 bn; market share at 37.3%
Deposit pass through remained at 10%
€ bn
+7%
yoy
19.0
19.0
Time & Notice
Savings, Current & Demand
Cost of deposits (bps)
19.0
17.7
1
21%
IBS
5.6
29%
5.7
30%
5.8
33%
14%
Corporate²
2
2
3
7
10
5%
SMEs
31
20
20
10
13.4
13.3
60%
6
Retail
11.9
0
1Q2022
2Q2022
0
3Q2022
4Q2022
1Q2023
Mar 23
Mar 22
Dec 22
Time & Notice
Mar 23
Time & Notice deposit pass-through4 c.7%
c.10%
Resilient Time & Notice
deposit pass-through4
Savings, Current & Demand
Time & notice deposits by maturity
Up to 1 month 1-3 months
3-6 months 6-9 months 9-12 months Over 12 months
17%
19%
19%
3%
31%
11%
€5.7 bn
Group deposits
by passport origin³
4%
7% 6%
14%
by country of residence
1%
5% 2%
5%
00
69%
Cyprus
Other EU
Other countries
87%
Other European countries
Russia/Belarus
International Business Services: servicing exclusively international activity companies registered in Cyprus and abroad and non residents
Including large and international corporate
Origin is defined as the country of passport of the Ultimate Beneficial Owner
Calculated as a percentage of the cost of Time and Notice deposits over average 6m Euribor rate of the period
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