Investor Presentaiton
Analysis of Interest Income and Interest Expense
Analysis of Interest Income (€ mn)
1Q2020
2Q2020
3Q2020
restated 1
4Q2020
1Q2021
Loans and advances to customers
96
93
91
89
83
Loans and advances to banks and central banks
0
0
3
2
3
Investment at amortised costs
3
2
2
2
2
Investments FVOCI
5
4
4
4
3
Investments classified as loans and receivables
104
99
100
97
91
Trading Investment
Derivative financial instruments
9
9
8
8
8
Other investments at fair value through profit or loss
Total Interest Income
113
108
108
105
99
Analysis of Interest Expense (€ mn)
Customer deposits
(3)
(3)
(3)
Funding from central banks and deposits by banks
(0)
(0)
0
(2)
0
Subordinated loan stock
(6)
(6)
(6)
(6)
(6)
Repurchase agreements
(1)
(1)
(1)
0
0
Negative interest on loans and advances to banks and
(4)
(4)
(5)
(6)
(5)
central banks
(16)
(14)
(15)
(15)
(13)
Derivative financial instruments
Total Interest Expense
(12)
(11)
(11)
(10)
(10)
(28)
(25)
(26)
(25)
(23)
Group Financial Results for quarter ended 31 March 2021
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
1)
Bank of Cyprus Holdings
60
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