Investor Presentaiton

Overseas Operations – Russia, Romania and Greece Romanian Gross loans (€ mn) Total exposure in Greece and Romania Romania € mn 31.12.14 31.03.15 30.06.15 Overall net exposure 520 439 368 Greece € mn 31.12.14 31.03.151 30.06.151 657 637 631 533 Net Exposure from on 97 76 56 518 520 balance sheet financial 430 assets Exposure from off balance sheet financial assets 185 154 133 Dec 2013 Mar 2014 Jun 2014 Sept 2014 Dec 2014 Mar 2015 Jun 2015 Foreclosed properties (book value) 179 200 199 Russian Gross loans (€ bn) 1,79 1,62 1,43 1,29 1,30 1,21 0,97 1,07 1,03 Russian Deposits (€ bn) 1,15 1,08 0,92 0,85 0,77 0,79 0,61 0,60 0,55 Jun Sept Dec Mar 2013 2013 2013 Jun Sept Dec 2014 2014 2014 2014 Mar 2015 2015 Jun Jun Sept Dec Mar Jun 2013 2013 2013 2014 2014 Sept Dec 2014 2014 2015 Mar Jun 2015 1 In addition to the above, in the normal course of business in Cyprus, the Bank has lending exposures to Greek entities amounting to €74 mn as at 30 June 2015, compared to €89 mn as at 31 March 2015 and lending exposures in Cyprus with collaterals in Greece totalling €66 mn, at the same level as the previous quarter end. Bank of Cyprus KOINO WKYMPιW 46

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