Income Statement and Eurosystem Funding Review
Balance Sheet* Deleverage - Shrinking to Strength
Jun
Dec
Mar
€ mn
2013 2013 2014
Jun
2014
Sep
2014
Dec
2014
Mar
Change
Since
2015
Jun
2013
Cash & bank
placements
Investments
Net Loans
3.012
2.530 2.105
1.973 2.417
2.908 2.748
-264
3.413 3.433 3.475
3.538 2.578 2.541
2.401 -1.012
23.769 21.764 21.234
20.063 19.794
18.632 18.731 -5.038
Other assets
Total assets
Customer deposits
ECB funding
2.762 2.622 2.564 2.984 2.694
32.956 30.349 29.378 28.558 27.483
16.970 14.971 14.066 13.803 13.330
1.400 920
ELA
11.107
Interbank funding
983
790
1.400 1.400
9.556 9.506 8.785
802
7.684
753
707
Other liabilities
976
895
894
Total equity
2.920
2.737 2.759
Total liab. & equity
32.956
30.349 29.378
954 1.057
2.814 3.785
28.558 27.483
2.708 2.792
26.789 26.672 -6.284
13.169 13.611 -3.359
880
800
7.404 6.900
772
1.083 1.045
3.481 3.508
30
Net loans reduction driven
by disposal of non-core
assets and the ongoing
deleveraging
Deposit reduction less than
reduction in net loans
Overall €5,0 bn ELA
-4.207
reduction as at today from
808
-175
peak
69
588
26.789 26.672
-6.284
-1.048 -971
-820 -1.075
-694
-117
Steady reduction of total
assets
Balance sheet
deleverage qoq
CET1 ratio
n/a
10,4% 10,6%
11,3% 15,4%
14,0%
13,9%
i (transitional basis)
Leverage ratio
11,3x
11,1x
10,6x
10,1x 7,3x
7,7x
7,6x
■ (Assets/Equity)
Consolidated Balance Sheet - ignoring classification as disposal group held for sale
CET1 ratio and Leverage
ratio strengthened by Share
Capital Increase and
deleverage
Bank of Cyprus
KOINO
ΚΥΠΡΙ
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