Preliminary Group Financial Results for the year ended 2014
Customer Deposits
Customer Deposits by Geography (€ mn )
Loans to deposits ratio
■Russia & Other countries*
Cyprus
■UK
14.971
1.022
1.244
14.066
13.803
832
1.249
863
1.252
13.330
798
1.289
13.169
550
1.305
Net loans (€ bn)
Customer deposits (€ bn)
Loans to deposits ratio
151%
145%
148%
148%
142%
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
Average daily customer flows per month (€ mn)
-50
-45
Apr-13
May-13
20
-20
-11-9-5
20
15
10 9 8
6
3 4
1
1 2 3
-8-8-5-4
-3
Jun-13
Jul-13
Aug-13
Sep-13
Oct-13
Nov-13
Dec-13
Jan-14
Feb-14
Mar-14
Apr-14
May-14
Jun-14
Jul-14
Aug-14
Sep-14
Oct-14
* Other countries comprise Romania, Greece, Ukraine (until March 2014)
** Including deposits of discontinued operations/disposal group held for sale.
Nov-14
Dec-14
Jan-15
Feb-15 mtd
.
31.12.13
31.03.14
30.06.14
30.09.14
31.12.14
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.
Since May 2014 there were customer inflows in
every month (except August 2014), despite the
release of all decree deposits and the full abolition of
internal controls since May 2014
Loans to deposits ratio improved by 6 percentage
points to 142% during 4Q2014 Bank of Cyprus
20
KOINO
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