Annual Report Euram Bank AG 2014 / 2015


9.) In the financial year 2014/2015,

Euram Bank issued one loan to officers

and related persons (30.6.2014: three

loans) amounting to EUR 665 thousand

(EUR 625.9 thousand as at 30.6.2014).

10.) In the financial year 2014/2015,

Euram Bank reports a return on assets

(annual result after tax / total assets) in

the amount of 0.12%.

3. Notes to the profit and loss


In the financial year 2014/2015, the breakdown

of income by geographical markets

as per section 64 (1) (9) BWG is essentially

the following:

Interest income:


The Caribbean EUR 81.3

Asia EUR 75.3

Europe – EU EUR 667.7

CEE EUR 514.9

Income from securities and investments:


Europe – EU EUR 132.2

Fees earned:


The Caribbean EUR 237.0

Asia EUR 101.6

Europe – EU EUR 95,284.9

CEE EUR 148.3

Income/expenses from financial transactions:


The Caribbean EUR -83.8

Europe – EU EUR -129.7

Other operating income:


Europe – EU EUR 3,271.1

The operating expenses of EUR 3.0 million

(EUR 3.2 million as at 30.6.2014) reported

in the financial year 2014/2015, comprise

mainly the following:


IT and information

expense EUR 927

Office and operating

expense EUR 106

Rental expense EUR 411

Advertising expense EUR 371

Insurance EUR 179

Legal and consultancy

expense EUR 591

Supervisory board EUR 138

Recruitment and training EUR 63

Travel expenses and motor

vehicle operating costs EUR 141

Other costs EUR 89

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