Investor Presentaiton
Analysis of Interest Income and Interest Expense
Analysis of Interest Income (€ mn)
4Q2020
1Q2021
2Q2021
3Q2021
4Q2021
Loans and advances to customers
89
83
82
77
79
Loans and advances to banks and central banks
2
3
7
10
11
Investment at amortised costs
2
2
2
2
Investments FVOCI
4
3
23
Investments classified as loans and receivables
97
91
94
92
95
Trading Investment
Derivative financial instruments
8
8
4
2
2
Other investments at fair value through profit or loss
Total Interest Income
105
99
98
94
97
Analysis of Interest Expense (€ mn)
Customer deposits
(3)
2
(2)
(1)
Funding from central banks and deposits by banks
Loan stock
0
0
(1)
0
(6)
(6)
(6)
(8)
(8)
Repurchase agreements
0
0
0
0
0
Negative interest on loans and advances to banks and
central banks
(6)
(5)
(8)
(9)
(10)
(15)
(13)
(16)
(18)
(19)
Derivative financial instruments
Total Interest Expense
(10)
(10)
(6)
(5)
(5)
(25)
(23)
(22)
(23)
(24)
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