Investor Presentaiton
Analysis of Interest Income and Interest Expense
Analysis of Interest Income (€ mn)
4Q2019
1Q2020
2Q2020
3Q2020
restated 1
4Q2020
Loans and advances to customers
98
96
93
91
89
Loans and advances to banks and central banks
1
0
0
3
2
Investment at amortised costs
3
3
2
2
Investments FVOCI
5
5
4
4
4
Investments classified as loans and receivables
107
104
99
100
97
Trading Investment
Derivative financial instruments
10
9
8
8
Other investments at fair value through profit or loss
Total Interest Income
117
113
108
108
105
Analysis of Interest Expense (€ mn)
Customer deposits
(8)
(5)
(3)
(3)
Funding from central banks and deposits by banks
(0)
(0)
(0)
(3)
0
Subordinated loan stock
(6)
(6)
(6)
(6)
(6)
Repurchase agreements
(2)
(1)
(1)
(1)
0
Negative interest on loans and advances to banks and
(5)
(4)
(4)
(5)
(6)
central banks
(21)
(16)
(14)
(15)
(15)
Derivative financial instruments
Total Interest Expense
(12)
(12)
(11)
(11)
(10)
(33)
(28)
(25)
(26)
(25)
1)
Bank of Cyprus Holdings
Interest income of non-legacy book for 3Q2020 increased from €73 mn to €74 mn since previously disclosed on 27 November 2020, following a transfer of €1 mn from liquids to non-legacy interest income
Group Financial Results for the year ended 31 December 2020
99
66View entire presentation