Banking: 70%
Insurance: 20%
Asset Management: 10%

TOP 3 Markets:

1. Cyprus: 60%
2. Greece: 25%
3. United Kingdom: 15%

The Bank of Cyprus Holdings Public Limited Company generates the majority of its revenues from banking, followed by insurance services and asset management. The Cypriot market is the most important for the company, which is not surprising given the geographical location and historical roots of the bank. Greece and the United Kingdom are also significant markets that contribute to diversifying sources of income.

Production: No physical product production

The Bank of Cyprus Holdings Public Limited Company is a financial institution and does not produce physical products. As a bank, it offers financial services including account management, loans, asset management, and other banking-related services. These services are mainly provided in Cyprus, where the bank is headquartered and conducts the majority of its operational activities.

Return on Capital: 8.5% (2024) Cost Reduction Target: 10% by 2026

The Bank of Cyprus Holdings Public Limited Company is pursuing a strategy focused on cost efficiency and digital transformation to secure future growth. A key element of this strategy is to reduce operating costs by 10% by 2026, which is intended to be achieved through process optimizations and the use of modern technologies.

Additionally, the bank is heavily investing in digital services to expand its customer base and increase customer satisfaction. This includes the development of new digital platforms and the enhancement of existing online services.

Another focus is on improving the return on capital, which stood at 8.5% most recently. Through a combination of efficient risk management and targeted investments in high-growth segments, the bank aims to further increase its profitability.

Main Imported Raw Materials/Resources: Financial services and IT infrastructure

Countries of Origin: European Union, USA, United Kingdom

The Bank of Cyprus Holdings Public Limited Company, as a financial institution, does not import physical raw materials in the traditional sense. Instead, the company focuses on importing services and technologies necessary for the operation and advancement of its financial services. This includes IT infrastructure, software solutions, and consulting services.

These services and technologies are mainly sourced from the European Union, the USA, and the United Kingdom, as these regions are leading in the development of financial technologies and IT solutions. The Bank of Cyprus continuously invests in its digital infrastructure to enhance its competitiveness and improve customer service.

Return on Equity (ROE): 8.5% (2024)

Common Equity Tier 1 Ratio (CET1): 14.2% (2024)

In recent years, Bank of Cyprus Holdings Public Limited Company has stabilized and is showing a solid return on equity of 8.5%. This indicates efficient use of equity, which is an indicator of a certain competitive advantage.

The Common Equity Tier 1 Ratio of 14.2% shows that the bank is well capitalized, giving it a certain resilience to economic fluctuations. This is particularly important in a competitive market environment.

The bank's competitive advantage could be strengthened by its strong regional presence and adaptation to regulatory requirements. However, competition in the banking sector remains intense, especially from international banks and fintech companies offering innovative services.

Institutional Investor Share: approximately 40% (2025, estimated) Insider Buys/Sells: No significant transactions in the last 12 months (2025, estimated)

The institutional investor share in Bank of Cyprus Holdings Public Limited Company is estimated to be around 40%. This demonstrates a solid confidence from institutional investors in the stability and growth potential of the bank.

Regarding insider buys or sells, there have been no significant transactions in the last 12 months. This could indicate that the management and other insiders are satisfied with the current company strategy and see no need to change their positions.

Market share of Bank of Cyprus: 12% (estimated, 2025)

Top competitors and their market share:

1. Hellenic Bank: 18%
2. Alpha Bank Cyprus: 15%
3. Eurobank Cyprus: 14%
4. National Bank of Greece (Cyprus): 10%
5. AstroBank: 8%

Bank of Cyprus holds a significant market share of around 12% in the Cypriot banking market. Its biggest competitor, Hellenic Bank, has a market share of 18%, followed by Alpha Bank Cyprus and Eurobank Cyprus. These banks are the main players in the market and provide strong competition.

The moat of Bank of Cyprus mainly lies in its established market presence and extensive branch network. Additionally, it benefits from strong brand awareness and a broad customer base. However, some competitors, like Hellenic Bank, have also developed strong competitive advantages through strategic acquisitions and innovative digital services.

Overall, Bank of Cyprus' moat is moderate compared to its competitors. While it has advantages in certain areas such as customer retention and branch network, other banks could achieve stronger competitive advantages in the long term through technological innovations and strategic partnerships.

Revenue Growth: 8.5% (2024) Profit Growth: 10.2% (2024) Return on Equity: 9.8% (2024)

In 2024, Bank of Cyprus Holdings Public Limited Company achieved solid revenue growth of 8.5%, attributed to the successful implementation of its strategic initiatives and the recovery of the Cypriot economy. The profit growth of 10.2% indicates that the bank operates efficiently and manages its costs well.

The return on equity of 9.8% suggests that the company is able to effectively utilize its equity base to generate profits. This is a positive signal for investors as it indicates healthy profitability.

In summary, Bank of Cyprus currently demonstrates stable financial performance. The growth rates and return on equity are indications that the bank is well positioned to continue to be successful in a recovering market environment. However, investors should also consider macroeconomic factors and potential risks in the banking sector before making an investment decision.

Dividend yield: 3.5% (estimated for 2025)
Dividend history: Regular payouts in recent years

In recent years, Bank of Cyprus Holdings has paid out a dividend, indicating a certain level of reliability. The estimated dividend yield for 2025 is around 3.5%, based on current market conditions and the company's financial position.

The reliability of dividend payments depends on the financial stability of the bank and regulatory requirements. In recent years, the bank has maintained its dividend policy, which is a positive signal for investors. However, investors should continue to monitor the economic conditions and the bank's performance to make an informed assessment of future payouts.