Investor Presentaiton

Credit Risk – 90+ DPD loans by number of days past due 90+ DPD loans by number of days past due (€ bn) • 13,00 12,76 12,98 12,59 12,65 12,79 12,65 4,85 4,02 3,54 3,76 3,36 3,37 3,00 1,05 1,13 1,15 1,15 1,01 0,97 . 0,93 0,40 0,23 0,23 0,29 0,34 0,22 0,52 7,29 7,69 7,84 7,85 8,07 8,46 6,70 31.12.13 31.03.14 30.06.14 30.09.14 Impaired with arrears over 90 dpd ■Impaired with no arrears 31.12.14 31.03.15 Impaired with arrears up to 90 dpd 30.06.15 • ■Not Impaired but with arrears over 90 dpd Group 90+ DPD ratios by customer type (€ bn) 31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 31.03.15 30.06.15 90+ DPD at 12,65 bn at 30 June 2015 compared to 12,79 bn a quarter earlier. Approximately 1 bn of loans classified as impaired have presented no arrears during the last few quarters. The Bank is monitoring the performance of these customers. 90+ DPD of Corporate, SMEs and Retail has been relatively stable at 59%, 63% and 35% respectively at 30 June 2015 compared to 31 March 2015 59% 57% 56% 58% 61% 59% 59% 56% 59% 62% 54% 63% 63% 60% Corporate SMEs 36% 35% 36% 35% 30% 32% 30% Retail Bank of Cyprus 23 KOINO WKYMPιW

View entire presentation