Investor Presentaiton

Key Takeaways Unrivalled franchise in an economy that is recovering fast; Exited from Troika MoU in March 2016 CET1 ratio (transitional basis) at 14,0%, well above the minimum regulatory requirement; Leverage ratio at 12,6%, one of the highest ratios among EU peers Improving funding structure with an increasing deposit base in Cyprus; L/D ratio at 121% and customer deposits at 61% of total assets ELA reduced by €8,1 bn or 71% to €3,3 bn through deleveraging actions, capital issue proceeds, repayment of a bond by the Republic of Cyprus and customer inflows; To fully repay by end-2017 90+ DPD down by €1,3 bn or 10% during FY2015; 90+ DPD provision coverage improved by 7 percentage points to 48% at 31 December 2015 Foreclosure legislation and insolvency framework can now be used as one of the tools for the effective management of problem loans Set-up of REMU to take ownership of, manage and monetise real estate assets in settlement of customer obligations Recurring pre-provision profitability stabilising, though bottom-line profitability affected by elevated. provisions for impairments DINO Bank of Cyprus 20

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