ESG Strategy and Digital Transformation
Non interest income at €81 mn in 4Q2021
Non-NII % of Total
47%
42%
49%
44%
50%
49%
53%
Income
F&C % of Total
23%
26%
30%
28%
30%
32%
28%
Income
1)
2)
72
(€ mn)
307
285
67
39
237
13
32
30
58
56
49
61
60
13
မာ
81
76
9
68
4
10
18
12
822
14
5
18
172
150
144
208
200
233
52
45
56
44
62
44
39
FY2019
FY2020
FY2021
Net FX and other income
2
REMU
☐ Recurring income
1Q2021
2Q2021
3Q2021
4Q2021
Insurance income net of insurance claims
Net fee & commission
Net FX gains/(losses) & Net gains/(losses) on financial instruments, and other income
Gains/(losses) from revaluation and disposal of investment properties and on disposal of stock of properties
•
•
•
•
Non interest income of €81 mn for 4Q2021, up
20% qoq, reflecting mainly higher net insurance
income and increased revaluation gains from
financial instruments
Net fee and commission income at €44 mn flat qoq
Net fee and commission income of €172 mn for
FY2021, up 19% yoy, and above pre-COVID-19
levels reflecting higher volume of transactions, the
extension of liquidity fees to a wider customer
group and the introduction of a revised price list
both in Feb 2021
Net insurance income of €18 mn for 4Q2021 mn,
up 60% qoq mainly due to higher claims in the
previous quarter, seasonality and valuation
assumptions
Net FX and other income increased to €14 mn, up
47% qoq, mainly due to the higher gains from
financial instruments
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