Deleveraging and Financial Overview slide image

Deleveraging and Financial Overview

Analysis of Non-interest income Analysis of Non Interest Income (€ mn) ■Net fee and commission Income ■Net FX gains/(losses) & Net profits/(losses) on other financial instruments 20% 17% 42 61 13 6 0 1Q2014 37 55 13 6 2Q2014 37 ■Insurance income net of insurance claims Other income/(expenses) 12% 10 20% 32 56 37 -13 3Q2014 -2 14 10 4Q2014 5 % Non interest income % Total income X Non interest income (€ mn) • 4Q2014 non-interest income of €56 mn, compared to €32 mn for 3Q2014 . • Recurring non-interest income from fee and commission income and income from the insurance business averaging around €50 mn per quarter (about 17% of total income) Recurring income from insurance business reflecting the Group's leading position in the insurance. business in Cyprus Bank of Cyprus KOINO WKYNРIW 2235 12
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