Sustainable Bond Framework
Income structure, in %
21.6
18.8 24.7 29.3
32.9
31.5
32.5
28.1
25.7
Loan impairments main driver of profit/loss evolution
Volatile profitability due to impairments and sale
of Cyprus Cooperative Bank.
Main banks record profits as of 2018, as the de-
risking of balance sheets continues.
Interest income in decline along net interest
margin. Fees and commissions form the largest
component of non-interest income.
Net profit/(loss), in EUR mn
200
0
-200
-400
-600
-473 -464
-800
2014
Net Profit/(loss), €mn
-214
172
144
-721
2016
2018
-70
-117
55
2020
Jun-2022
78.4
81.2 75.3
70.7
67.1
68.5 67.5
71.9
74.3
1381
1748
2014
2016
2018
2020
Sept.-2022
Net Interest Income
Other income
2015
2016
2017
2018
2019
2020
■Operating profit Loan Impairments
Source: Central Bank of Cyprus
1049
1128
Operating profit and Impairment, in EUR mn
951
1394
585
607
409
284
4880
480
469
298
259
2021
Sep-22
23
23
110
74View entire presentation