Investor Presentaiton
Cyprus Income Statement
€ mn
Net interest income
FY2015
FY2014
4Q2015
3Q2015
2Q2015
1Q2015
4Q2014
788
919
186
192
200
211
216
Net fee & commission income
147
145
36
34
34
42
34
Insurance income net of insurance claims
47
43
16
11
8
12
10
Core income
982
1.107
238
237
242
265
260
Other income (expenses)
35
3
13
16
8
(2)
7
!Total income
1.017
1.110
251
253
250
263
267
Staff costs
(218)
(220)
(54)
(54)
(55)
(55)
(56)
Other operating expenses
Total expenses
Profit before provisions and impairments
Provisions1
(165)
(167)
(59)
(38)
(31)
(37)
(54)
(383)
(387)
(113)
(92)
(86)
(92)
(110)
634
723
138
161
164
171
157
(847)
(533)
(593)
(73)
(102)
(79)
(177)
Impairment of other financial assets and non financial assets
(40)
(81)
(14)
(6)
(19)
(1)
(48)
Share of profit/(loss) from associates
(Loss)/profit before tax
6
5
3
0
1
2
3
(247)
114
(466)
82
44
93
(65)
Tax
(6)
(4)
10
(6)
Profit/(loss) attributable to non-controlling interests
1
1
1
0
26
(2)
(8)
0
(0)
0
1
(Loss)/profit after tax and before one off items
(252)
111
(455)
76
42
85
(64)
(1) Provisions for impairment of customer loans and gain on derecognition of loans and changes in expected cash flows on acquired
loans
Bank of Cyprus
28
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