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Investor Presentaiton

Asset Quality Performance of restructured loans (post-31 December 2013, by quarter) as at 31 December 2015 1 • Total Bank Cyprus Corporate - 100% 95% 97% 92% Quarterly average 100% 1Q2014 ■2Q2014 3Q2014 88% 83% 79% 78% 79% 80% 73% 73% 64% 65%-----73% 4Q2014 ■1Q2015 ■3Q2015 2Q2015 86% 87% 80% 67% 60% 60% 40% 30% 40% 26% 20% 20% 4% 9%5% 16% 12% 13%2% 3% 6% 4% 5% 14% 7%6%5 5% 20% 4% 2% 12% 3% %2% 7% 5% 1% 7% 7% ,9% ,5% 7% 0% 0% No arrears 1-30 dpd 31-90 dpd Over 90 dpd No arrears 1-30 dpd 1% 2% 0% 0% 0% 0% 2%. 31-90 dpd 9% Over 90 dpd SMES Retail 100% 100% 80% 6568% 69% 80% 66% 58% 60% --58% 51% 66% 6568% 5556% 57% 63% 71% 60% 46% 84% 40% 33% 40% 20%- 8% 20% 23% 19% 20% 13% 13% 12% 10% 9% 4% 7% ·9%5% 11%. 7% 3%4% 20% 9% 13% 14% 19%99% 22% 28% 25% 16% 8% 6% 4% 10% 10% 8% 11% 8% 6% 5% 2% 13% 0% 0% No arrears 1-30 dpd 31-90 dpd Over 90 dpd No arrears 1-30 dpd 31-90 dpd Over 90 dpd. An analysis performed as at 31 December 2015 indicates that on average 73% of the loans restructured post 31 December 2013 (restructurings performed in 4Q2015 were excluded) for Cyprus operations, have no arrears; The average percentage of restructured loans with arrears more than 90 days stands at 12% • Corporate restructured loans exhibit the best performance with an average percentage loans with no arrears of 87% of restructured (1) The performance of loans restructured during 4Q2015 is not presented in this graph as it is too early to assess it. Bank of Cyprus DINO 44
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