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Credit Risk by customer type - 90+ DPD fully covered by provisions & tangible collateral 30 September 2015 Corporate SMES Retail Housing Retail Other Cyprus 48% 21% 21% 10% 100% 21,0 Gross loans 10,0 4,5 4,3 2,2 (€ bn) 61% 66% 90+ DPD loans 54% 50% 26% by segment Loan Loss Reserve (LLR) 51% 43% 33% 25% 39% coverage Tangible 72% 75% 81% 53% 72% coverage Total coverage 115% 108% 106% 104% 111% Significant provision and collateral coverage, with additional comfort from personal guarantees XX % of total gross loans (Cyprus only) Bank of Cyprus KOINO ΚΥΠΡΙ 2235 25

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