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32% % of total 19% Gross loans by business line (€ bn) ■ 31.12.14 ■ 31.03.15 30.06.15 30.09.15 31.12.15 4,34 4,53 4,59 4,38 4,29 Corporate 8% Analysis of Loans and 90+ DPD ratios by Business Line¹ 2,30 2,20 2,14 1,83 1,78 SMES 16% 3,85 3,85 3,80 3,75 3,68 90+ DPD ratios by business line ■31.12.14 ■31.03.15 30.06.15 30.09.15 31.12.15 29% 27% 22% 21% Corporate 24% 27% 26% 22% 20% SMEs 16% 16% 15% 14% 13% 7% 1,75 1,83 1,80 1,48 1,43 Housing Consumer Credit 31% 31% 30% 25% 23% %69 68% 70% 71% 63% Housing Consumer Credit RRD-Mid and Large Corporates RRD-SMES 21% 5,33 5,37 5,20 4,87 4,73 6% 1,40 1,39 1,38 1,41 1,38 RRD-Mid and Large Corporates RRD-SMES 81% 81% (1) As part of the restructuring of the Group, management is currently monitoring the loan portfolio of the Group using new business line definitions. An important component of the Group's new operational structure is the establishment of the RRD for the purposes of centralising and streamlining the management of its delinquent loans. Bank of Cyprus 45 DINO %08 79% 74% RRD-Recoveries 100% 100% 100% 100% 100% 23% 4,78 4,91 5,02 5,13 5,31 RRD Recoveries

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