Deleveraging and Financial Overview
Customer Deposits
Customer Deposits by Geography (€ mn )
Loans to deposits ratio
■Russia & Other countries*
■Cyprus
■ UK
Net loans (bn)
Customer deposits (€ bn)
14.971
Loans to deposits ratio
14.066
13.803
1.022
1.244
13.330
13.169
832
1.249
863
1.252
798
1.289
550
1.305
151%
145%
148%
148%
141%
21,8
21,2
20,4
19,8
18,7
12.705
11.985
11.688
15,0
11.243
11.314
14,1
13,8
13,3
13,2
31.12.13
31.03.14
30.06.14
30.09.14
31.12.14
31.12.13
31.03.14
30.06.14
30.09.14
31.12.14
Deposit market shares in Cyprus
Residents
-Non-Residents
35,2%
32,2%
30,8%
28,4% 27,5% 27,2%
26,4% 26,7% 26,9% 27,2%
25,6% 25,5%
24,6% 24,3% 23,7% 23,7% 23,9% 24,1% 24,2% 24,7%
Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15
•
Group customer deposits** declined by 1% during
4Q2014, compared to a 3% reduction in 3Q2014. At
constant exchange rates, Group customer deposits
increased by €80 mn during 4Q2014
Customer deposits in Cyprus increased for the first
time since bail-in during 4Q2014.
Deposit market shares in Cyprus (both for
Residents and non Residents) have been increasing
since November of 2014
Loans to deposits ratio improved by 7 percentage
points to 141% during 4Q2014
* Other countries comprise Romania, Greece, Ukraine (until March 2014)
Including deposits of discontinued operations/disposal group held for sale.
Bank of Cyprus
KOINO
WKYпPIW
2235
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