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Investor Presentaiton

Group Income Statement Highlights Group Income Statement Highlights (€ mn) 9M15: 490 9M 14: 584 ** 2Q2014 ■3Q2014 ■ 4Q2014 ■1Q2015 2Q2015 ■ 3Q2015 214 159 161 172 169 149 9M 15: 329 9M15: 115 9M 14: 140 9M 14: 400 9M 15: 73 9M 14: 76 55 34 45 50 11 15 29 31 13 Profit before impairments* restructuring costs and discontinued operations -119 -110 -123 -96 -169 -189 -312 Provisions for impairment of customer loans and gains on derecognition and changes in expected cash flows on acquired loans -6 Profit/(loss) after tax from continuing operations** -337 Profit/(loss) after tax • • • Profit before impairments*, restructuring costs and discontinued operations for 9M2015 of €490 mn. Profit before impairments*, restructuring costs and discontinued operations for 3Q2015 of €149 mn, compared to €169 mn for 2Q2015 Provisions for impairment of customer loans and gains on derecognition and changes in expected cash flows on acquired loans for 9M2015 of €329 mn. Provisions for impairment of customer loans and gains on derecognition and changes in expected cash flows on acquired loans for 3Q2015 of €96 mn, compared to €123 mn for 2Q2015 Profit after tax from continuing operations** for 9M2015 of €115 mn. Profit after tax from continuing operations for 3Q2015 at €45 mn, compared to a profit for 2Q2015 at €15 mn • Profit after tax for 9M2015 at €73 mn. Profit after tax for 3Q2015 of €13 mn, compared to a profit of €31 mn for 2Q2015 Profit before provisions and impairments, gains on derecognition and changes on expected cash flows on acquired loans, restructuring costs and discontinued operations. Bank of Cyprus KOINO WKYNРIW Profit/(loss) after tax and before restructuring costs, discontinued operations and net profit on disposal of non-core assets 12
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