Investor Presentaiton
Income structure, in %
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
21.6
18.8 24.7
29.3 32.9
31.5
32.5 28.1
25.7
78.4
81.2
75.3
70.7
67.1
68.5 67.5
71.9
74.3
1381
1748
1049
Operating profit and Impairment, in EUR mn
1128
2014
2016
2018
2020
Sept-2022
Net Interest Income
2015
2016
Other income
2017
2018
2019
2020
■Operating profit Loan Impairments
Source: Central Bank of Cyprus
951
1394
585
607
409
284
88
480
469
298
259
110
74
2021
Sep-22
23
23View entire presentation