Investor Presentaiton
Group Financial Results for the six months ended 30 June 2021
Leverage leading Digital Capabilities to serve customers and the economy
Vision
Digital Transactions ratio¹
.
Leverage
technology to
sustain a
competitive
advantage
through digital
banking
Serve customer
needs anywhere
and at any time,
through an agile
technology
ecosystem
Be the driver of
digital economy,
in support of
national efforts
for structural
economic
reform
Creating shareholder value
Improving operational efficiency through:
1)
2)
•
further automation
•
further branch rationalisation
Opportunities to cross-sell through:
•
modelling customers' needs and behaviours
•
⚫ offering tailored products and services
Jul 2019
Jul 2020
Jul 2021
73.7%
82.0%
86.6%
Digitally Engaged 2 Customers
Jul 2019
Jul 2020
Jul 2021
66.9%
72.3%
77.0%
Average mobile logins per month
☐
Jul 2019
13.3x
Jul 2020
18.5x
Jul 2021
19.1x
Active users of Internet and/or Mobile Banking
Jul 2019
238K
Jul 2020
Jul 2021
278k
314k
Number of digital transactions performed by individuals and legal entity customers to the total number of transactions. Transactions include deposits, withdrawals, internal and external transfers. Digital channels include mobile, browser and ATMs
Digitally engaged individual customers to the total number of individual customers. Digitally engaged customers are the individuals who use the digital channels of the Bank (mobile banking app, browser and ATMs) to perform banking transactions, as well as digital enablers such as a
bank-issued card to perform online card purchases
Bank of Cyprus Holdings
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