Investor Presentaiton

Asset Quality 90+ DPD fully covered by provisions & tangible collateral Dec -14 Mar-15 Jun -15 Sep-15 Dec -15 114% 110% 109% 111% 118% 76% 71% 70% 72% 72% Total BoC- Cyprus 38% 39% 39% 39% 46% Collateral 118% 113% 112% 115% 122% 77% 71% 69% 72% 71% Corporate 41% 42% 43% 43% 51% 111% 107% 107% 108% 114% 79% 76% 75% 75% 75% SME 32% 31% 32% 33% 39% 107% 107% 105% 106% 113% 81% 81% 80% 81% 82% Retail- Housing 26% 26% 25% 25% 31% For Cyprus operations, 90+ DPD provision coverage increased to 46% at 31 December 2015, compared to 39% at 30 September 2015 coverage remains broadly at the same level and stands at 72% at 31 December 2015 Overall coverage of 90+DPD loans increased to 118% at 31 December 2015, compared to 111% at 30 September 2015 105% 104% 102% 104% 110% 56% 52% 51% 53% 53% Retail-Other 49% 52% 51% 51% 57% Bank of Cyprus 15 KOINO WKYNРIW Loan Loss Reserve coverage Tangible coverage

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