Investor Presentaiton

Market Shares and Customer flows in Cyprus . Around 1% increase in the Bank's market share in deposits since low of 24,6% in November 2014. The Bank's market share in loans has been hovering around 38% -446 -411 -546 65 -11 Total customer flows per quarter (€ mn) Sep-13 Dec-13 Mar-14 27,9%⭑ 38,1% 27,5% 26,4% 39,1% 40,0% Jun-14 25,5% 39,5% Sep-14 Oct-14 Nov-14 Dec-14 Jan-15 Feb-15 24,9% 40,5% 24,8% 40,8% 24,6% 41,1% 24,8% 38,8% 25,0% 37,2% 25,5% 37,3% Market share evolution in Cyprus Deposits Loans Mar-15 Apr-15 May-15 Jun-15 25,3% 37,7% 25,2% 38,0% 25,4% 38,6% 25,7% 38,5% 450 386 424 • 283 Customer flows were positive during 2Q2015 -2.227 2Q2013 3Q2013 4Q2013 1Q2014 2Q2014 3Q2014 4Q2014 1Q2015 2Q2015 3Q2015* Up to 25 August 2015 Post full abolition of capital controls in April 2015, customer flows are positive Bank of Cyprus KOINO WKYMPιW 44

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