Investor Presentaiton
Income Statement Highlights - Group vs Cyprus
9M2015 Cyprus Vs Group performance (€ mn)
94%
97%
766
786
603
644
91%
101%
277%
%
496
490
% contribution of
Cyprus operations
203
-270
-296
73
41
20
■Cyprus operations
-26
-6
-130
Net interest income
Total income
Total expenses
Profit before provisions
Profit/(loss) after tax
Rest of operations
■Group
and impairments*
restructuring costs and
discontinued operations
High NIM in Cyprus operations
Low Cost to Income ratio for Cyprus
operations
Fee and commission income / total income
for Cyprus operations
(bps)
423
377 372
384
379 386
50%
369 367
354
314
38%
9M2015:
375
FY2013:
353
FY2014:
385
Total income (€ bn)
Other income
0,7
Fee and commission income
0,27 0,27 0,26 0,25
1,0 0,30 0,25
19% 13% 12% 15% 12% 16% 14% 14%
35% 35% 35% 35%
33%
31% 31%
81% 87% 88% 85% 88% 84% 86% 86%
1H13 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 1H13 FY13 1Q14 1H14 9M 14 FY14 1Q15 1H15 9M15
2012 2013 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15
Profit before provisions and impairments, gains on derecognition and changes on expected cash flows on acquired loans,
restructuring costs and discontinued operations.
Bank of Cyprus
13
KOINO
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