Investor Presentaiton

Loans and Deposits by Geography € mn Gross Loans by Geography 31.12.13 30.06.14 30.09.14 31.12.14 € mn Deposits by Geography 31.12.13 30.06.14 30.09.14 31.12.14 Cyprus 22.800 22.020 21.716 21.200 Cyprus non- IBU** 8.658 8.094 7.785 7.847 UK 1.284 1.172 1.112 914 Cyprus IBU** 4.047 3.594 3.458 3.467 Cyprus - Total 12.705 11.688 11.243 11.314 Russia 1.429 1.304 1.208 966 UK 1.244 1.252 1.289 1.305 Other 1.230 804 706 692 Russia 919 845 794 545 countries* Group 26.743 25.300 24.742 23.772 Other countries* 103 18 5 *** Group 14.971 13.803 13.330 13.169 Gross Loans by Geography 4,1%. 3,9%. 2,8% ■Cyprus ■ UK Russia Other Countries* 89,2% Deposits by Geography 4,1% 0,0% 9,9%. ■Cyprus - non IBU ■Cyprus - IBU** ■ UK ■Russia 26,3% 59,7% Total Cyprus 86% * Other countries: Romania, Ukraine (until March 2014) and Greece ** IBU- Division servicing exclusively international activity companies registered in Cyprus and abroad and non-residents Bank of Cyprus *** Other countries: Romania and Ukraine (until March 2014) 43 KOINO WKYпPIW 2235

View entire presentation