Investor Presentaiton

Balance Sheet* Deleverage - Shrinking to Strength Change € mn Jun 2013 Dec Mar Jun Sep Dec Mar 2013 2014 2014 2014 2014 2015 Jun 2015 Since Jun 2013 Cash & bank 3.012 2.530 2.105 1.973 2.417 2.908 2.748 2.558 -454 placements Investments 3.413 3.433 3.475 3.538 2.578 2.541 2.401 1.631 -1.782 Net loans reduction driven by disposal of Net Loans 23.769 21.764 21.234 20.063 19.794 18.632 18.731 18.545 -5.224 Other assets Total assets 2.762 32.956 2.622 2.564 2.984 Customer deposits 30.349 29.378 28.558 16.970 14.971 14.066 13.803 2.694 2.708 27.483 26.789 26.672 2.792 2.648 25.382 -114 -7.574 13.330 13.169 13.611 13.629 -3.341 non-core assets and the ongoing deleveraging Deposit base gradually stabilising ECB funding - 1.400 1.400 1.400 920 880 800 500 500 ELA 11.107 9.556 9.506 8.785 7.684 7.404 6.900 5.903 -5.204 Overall 6,0 bn ELA reduction from peak Interbank funding 983 790 753 802 707 772 808 Other liabilities 976 895 894 954 1.057 Total equity 2.920 2.737 2.759 2.814 3.785 3.481 1.083 1.045 3.508 805 1.026 -178 50 3.519 599 Total liab. & equity 32.956 30.349 29.378 28.558 27.483 26.789 26.672 25.382 -7.574 Balance sheet -2.607 -971 -820 -1.075 -694 -117 -1.290 deleverage qoq CET1 ratio n/a 10,4% 10,6% 11,3% 15,4% 14,0% 13,9% 14,9% (transitional basis) Leverage ratio 11,3x 11,1x 10,6x 10,1x 7,3x 7,7x 7,6x 7,2x (Assets/Equity) * Consolidated Balance Sheet - ignoring classification as disposal group held for sale Steady reduction of total assets. Average quarterly reduction at 1bn or 4% CET1 ratio & Leverage ratio strengthened by share capital increase, deleverage and RWA reduction Bank of Cyprus KOINO WKY PIW 15

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