Group Financial Results H1 2016
Risk Weighted Assets - Regulatory Capital
Risk weighted assets by Geography (€ mn)
Equity and Regulatory Capital (€ mn)
31.03.15 30.06.15 30.09.15 31.12.15 31.03.16 30.06.16
31.03.15 30.06.15 30.09.15 31.12.15
31.03.16 30.06.16
Cyprus
Russia
20.473 19.607
19.473
18.438
18.276
17.845
Shareholders' equity
3.502
3.506
3.518
3.055
3.101
3.054
813
708
46
21
25
16
United Kingdom
1.162
667
663
685
650
695
CET1 capital
2
3.201
3.205
3.231
2.748
2.769
2.735
Romania
294
318
315
269
198
195
Tier I capital
3.201
3.205
3.231
2.748
2.769
2.735
Greece
181
180
173
208
182
176
Other¹
49
47
47
45
43
41
Tier II capital
30
32
22
30
20
21
Total RWA
22.972
21.527
20.717
19.666
19.374
18.968
RWA
Total regulatory capital
(Tier I + Tier II)
3.231
3.237
3.253
2.778
2.789
2.756
intensity (%)
86%
85%
86%
85%
85%
84%
Risk weighted assets by type of risk (€ mn)
Reconciliation of Group Equity to CET 1
€ mn
30.06.16
31.03.15 30.06.15 30.09.15 31.12.15 31.03.16 30.06.16
Group Equity per financial statements
3.096
Less: Intangibles and other deductions
(18)
Credit risk
20.881
19.426
18.830
17.618
17.326
16.921
Less: Deconsolidation of insurance and other entities
(213)
Market risk
6
16
7
8
8
7
Operational risk
2.085
2.085
1.880
2.040
2.040
2.040
Less: Regulatory adjustments (Minority Interest, DTA and other items)
Less: Revaluation reserves and other unrealised items transferred to Tier II
CET 1 (transitional)
(78)
(52)
2.735
Less: Adjustments to fully loaded (mainly DTA)
(155)
Total
22.972
21.527
20.717
19.666
19.374
18.968
CET 1 (fully loaded)
Risk Weighted Assets
2.580
18.968
CET 1 ratio (fully loaded)
CET 1 ratio (transitional)1
13,6%
14,4%
Bank of Cyprus
KOINO
KYMPI
€2
(1) Other countries primarily relates to exposures in Channel Islands
(2)
Transitional basis; includes audited profits for the six months ended 30 June 2016.
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