Investor Presentaiton

BOC - At a glance Strengthened capital position Significant Balance Sheet deleveraging CET1 ratio -Leverage ratio Total Assets (€ bn) -RWA (€ bn) Improved funding structure Loans to deposits ratio Customer deposits % Total assets 33,0 30,3 145% 140% 141% 121% 14,0% 14,0% 26,8 23,3 10,5% 10,4% 12,5% 12,6% 23,5 23,5 22,7 61% 51% 49% 49% 19,7 8,4% 8,6% 2 Jun 2013 Dec 2013 Dec 2014 Dec 2015 Jun 2013 Dec 2013 Dec 2014 Dec 2015 Jun 2013 Dec 2013 Dec 2014 Dec 2015 ELA funding reduced by €8,1 bn since peak 90+ DPD formation reversed ELA (€ bn) ELA % Total Assets ■Change in 90+ DPD (€ bn) Improved asset quality 34% 31% 28% 11,4 11,1 9,6 7,4 16% 3 14% 2,7 3,8 3,3 1,3 1,4 0,9 Apr 2013 Jun 2013 Dec 2013 Dec 2014 Dec 2015 31 Mar 2016 90+ DPD ratio 90+ DPD provision coverage 5,3 48,1% 41,6% 40,6% 38,3% 38,8% 48,6% 53,2% 50,1% -0,4 Jun-2013 Dec-2013 Dec-2014 Dec-2015 -1,3 FY09 FY10 FY11 FY12 FY13 FY14 FY15 (1) Pre CRD IV (2) Proforma CRD IV (3) Ratio of ELA Funding % Total Assets for 31 March 2016 is based on total assets at 31 December 2015 Bank of Cyprus 22 DINO

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