Investor Presentaiton
Analysis of Non-interest income
Analysis of Non Interest Income (€ mn) – Quarterly
Net fee and commission income
14%
31
10
-
■Insurance income net of insurance claims
Other¹
1
13%
16%
14%
14%
15%
50
47
49
46
55
1
5
11
54 !
47 !
T-
10
45
9
12
11 48 !
16
54 !
45
43
35
36
36
38
%
Net fee and commission
income % Total income
X
Non interest income (€
mn)
1
37
X
-7
-2
-16
Recurring non-interest
income (€ mn)
3Q2014
4Q2014
1Q2015
2Q2015
3Q2015
4Q2015
Analysis of Non Interest Income (€ mn) —
Annual
13%
199
15%
198
1
198
202
46
48
152
154
-4
Non-interest income stood at €55 mn for 4Q2015, compared to
€46 mn for 3Q2015; Non-interest income of €198 mn for FY2015,
compared to €199 mn for FY2014
• The majority of non-interest income is recurring income from fee
and commission income and insurance income stood at €54
mn for 4Q2015 (about 15% of total income); Recurring income
from fee and commission income and insurance income stood at
€202 mn for FY2015, compared to €198 mn for FY2014
Going forward, the Bank will focus on diversifying its income
streams by further developing its fee-generating activities, such as
the international business services, wealth management and
insurance business
FY2014
FY2015
(1) Comprising (a) Net FX gains/(losses) & Net gains/(losses) on other financial instruments, (b) Losses from revaluation and disposal of
investment properties and (c) other income.
Bank of Cyprus
5
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