Investor Presentaiton
Income Statement by business line for FY2020
Group Financial Results for the year ended 31 December 2020
€ mn
Net interest income/(expense)
Consumer SME Corporate Global
Banking Banking Banking
corporate
International Wealth &
Banking Markets
RRD
REMU Insurance Treasury
Other Overseas
Total
126
37
65
67
17
2
26
26
(14)
I
3
330
Net fee & commission income/(expense)
37
9
11
7
50
3
8
(7)
2
25
(1)
144
Other income
2
1
1
6
3
1
9
56
CO
6
8
93
Total income
165
47
77
74
73
8
35
(5)
49
8
36
567
Total expenses
(157)
(22)
(19)
(12)
(31)
(6)
(44)
(8)
(19)
(14)
(33)
(5)
(370)
Operating profit/(loss)
8
25
58
62
62
42
2
(9)
(13)
30
(6)
(5)
197
Loan credit losses of customer loans net of
gains/(losses) on derecognition of loans and
(5)
(1)
(9)
(11)
(1)
1
(120)
(1)
(2)
(149)
changes in expected cash flows
Impairment of other financial and non financial
instruments
(34)
(4)
(1)
(3)
(42)
Provision for litigation, claims, regulatory and other
matters
Profit/(loss) before tax
(6)
(1)
(7)
3
24
49
51
41
3
(129)
(47)
30
(10)
(5)
(11)
(1)
Tax
(0)
(3)
(6)
(6)
(5)
(0)
16
6
(5)
1
(5)
(1)
(8)
Profit attributable to non controlling interest
3
3
Profit/(loss) after tax - organic (attributable to
the owners of the Company) 1
3
21
43
45
36
3
(113) (41)
25
(9)
(7)
(12)
(6)
Profit/(loss) after tax-organic (attributable to the owners of the Company) does not include provisions/net loss relating to NPE sales, including restructuring expenses (attributable to owners of the Company)
1)
Bank of Cyprus Holdings
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