Group Financial Results H1 2016
Increasing Deposits and Improving Loan to Deposit ratio
Growing customer deposit base (€ bn )
Improving funding structure
■Cyprus
■ UK
1
Other countries
11
Customer deposits to Total Assets
Loans to deposits ratio (net)
EU average Loans to deposits ratio
2
14,18 14,13 14,75
148%
13,80
13,33
0,86
1,25
13,17
0,80 0,55
1,29 1,31
13,61 13,63 13,61
0,61 0,61
1,36 1,39
0,01
1,49 1,43
0,01
1,43
141%
138%
136%
132%
121%
119%
1,45
110%
124% 125% 125% 123% 121%
122%
11,69
11,24 11,31
11,64 11,63 12,16 12,69
12,69
13,31
61%
62%
65%
49%
49%
51%
54%
56%
Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Mar 16 Jun 16
Sep 14
Dec 14 Mar 15 Jun 15 Sep 15
Dec 15 Mar 16 Jun 16
Increased deposit market shares in Cyprus
Residents
Non-Residents
•
Group customer deposits totalled €14,75 bn at 30 June
2016.
35,2%
34,1%
32,9%
32,2%
30,8%
31,1%
28,4%
27,5%
27,5%
26,7% 26,9% 26,7%
27,0%
27,2%
25,6% 25,5%
24,6% 24,3%
23,7% 24,1% 24,6% 25,3%
26,1%
26,5%
Sep-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16
•
Customer deposits in Cyprus increased by €0,62 bn
(or 5%) qoq, and by €1,68 bn (or 14%) yoy
Loans to deposits ratio improved to 110%
Deposit market shares in Cyprus at 30 June 2016 for
Residents and non-Residents were 27,2% and 34,1%
respectively
(1)
Other countries comprise Russia (until June 15) and Romania
(2) Based on EBA Risk Dashboard Report, Data as at 31 March 2016
Bank of Cyprus
KOINO
KYMPI
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