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8.) In the fiscal year <strong>2019</strong>, the company did not conclude any currency futures (none as at<br />
31/12/2018). These are basically used to hedge foreign currency positions. The maturities <strong>of</strong> the<br />
foreign exchange futures are basically less than one year.<br />
9.) In the fiscal year <strong>2019</strong>, <strong>Euram</strong> <strong>Bank</strong> had not issued any loans to <strong>of</strong>ficers and related persons<br />
(none as at 31/12/2018) in the amount <strong>of</strong> EUR 0.0 thousand (EUR 0.0 thousand as at 31/12/2018).<br />
10.) In the fiscal year <strong>2019</strong>, <strong>Euram</strong> <strong>Bank</strong> reports a return on assets (annual result after taxes / total<br />
assets) in the amount <strong>of</strong> 0.83%.<br />
3. Explanatory note on the income statement<br />
In the fiscal year <strong>2019</strong>, the breakdown <strong>of</strong> income by geographical markets as per section 64 (1) (9)<br />
BWG is essentially the following:<br />
Interest income:<br />
thousand<br />
The Caribbean EUR -728.9<br />
Asia EUR 140.5<br />
Europe – EU EUR 10,763.6<br />
CEE EUR 65.2<br />
America EUR 22.1<br />
Africa EUR 13.0<br />
Income from securities and investments:<br />
thousand<br />
Europe – EU EUR 172.7<br />
Commission earned:<br />
thousand<br />
The Caribbean EUR 1,720.7<br />
Asia EUR 470.7<br />
Europe – EU EUR 11,030.7<br />
CEE EUR 150.8<br />
America EUR 33.2<br />
Africa EUR 34.2<br />
Australia EUR 10.8<br />
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