Investor Presentaiton
Analysis of Interest Income and Interest Expense
Analysis of Interest Income (€ mn)
2Q20191
3Q2019
4Q2019
1Q2020
2Q2020
Loans and advances to customers
101
105
98
96
93
Loans and advances to banks and central banks
2
1
1
0
0
Investment at amortised costs
3
3
3
3
2
Investments FVOCI
5
6
5
5
4
Investments classified as loans and receivables
111
115
107
104
99
Trading Investment
Derivative financial instruments
9
9
10
9
6
Other investments at fair value through profit or loss
Total Interest Income
120
124
117
113
108
Analysis of Interest Expense (€ mn)
Customer deposits
(10)
(8)
(8)
(5)
(3)
Funding from central banks and deposits by banks
(1)
(1)
(0)
(0)
(0)
Subordinated loan stock
(6)
(6)
(6)
(6)
(6)
Repurchase agreements
(2)
(2)
(2)
(1)
(1)
Negative interest on loans and advances to banks and central
banks
(4)
(5)
(5)
(4)
(4)
(23)
(22)
(21)
(16)
(14)
Derivative financial instruments
(12)
(12)
(12)
(12)
(11)
Total Interest Expense
(35)
(34)
(33)
(28)
(25)
Group Financial Results for the six months ended 30 June 2020
(1) The interest income, non-interest income, staff costs, other operating expenses and loan credit losses related to Project Helix are disclosed under 'Provisions/net loss relating to NPE sales, including restructuring expenses' since they are considered one-off items
Bank of Cyprus Holdings
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