Investor Presentaiton
Consolidated Income Statement
€ mn
Net interest income
Net fee and commission income
Insurance income net of insurance claims
Core income
Other income
■ Total income
3Q2015
2Q2015*
1Q2015*
4Q2014*
3Q2014*
205
212
227
225
231
36
36
43
35
37
12
9
11
10
10
253
257
281
270
278
(2)
(7)
6
(16)
251
261
274
276
262
Staff costs
Other operating expenses
(59)
(59)
(59)
(59)
(59)
(43)
(33)
(43)
(56)
(44)
Total expenses
(102)
(92)
(102)
(115)
(103)
¡Profit before provisions and impairments, gains on derecognition and changes in expected cash
Iflows on acquired loans, restructuring costs and discontinued operations
149
169
172
161
1591
Provisions for impairment of customer loans net of gains on derecognition and changes in expected
cash flows on acquired loans
(96)
(123)
(110)
(312)
(119)
Impairments of other financial and non-financial assets
(6)
(30)
(1)
(57)
1
Share of profit/(loss) from associates and joint ventures
1
1
1
3
■ Profit/(loss) before tax, restructuring costs and discontinued operations
48
17
62
(205)
38
Tax
(8)
(3)
(1)
(6)
Profit attributable to non-controlling interests
5
1
0
17
2
iProfit/(loss) after tax and before restructuring costs, discontinued operations and net profit on
disposal of non-core assets
45
15
55
(189)
34
Restructuring costs
5
(14)
(8)
(4)
(11)
Loss from disposal group held for sale / discontinued operations
(11)
(18)
(131)
(28)
Net (loss)/gain on disposal of non-core assets
(18)
41
(13)
Profit/(loss) after tax
13
31
29
(337)
(5)
Bank of Cyprus
KOINO
ΚΥΠΡΙ
2237
Comparative information has been represented. See Note 4.2 of the Financial Report for the 9
September 2015, Comparative information.
months
ended 30
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