Investor Presentaiton

BOC Overview Strengthened capital position Adjusting for the disposal of the majority of the Russian operations ■CET1 ratio (transitional basis) | 15,4% 14,9% 15,2% 14,0% 13,9% 10,5% 10,4% 11,3%- Capital increase of €1 bn Significant Balance Sheet deleveraging Adjusting for the disposal I of the majority of the Russian operations Total assets (bn) -25% I 33,0 31,4 30,3 29,4 28,6 27,5 26,8 26,7 25,4 24,7 -1,9% proforma Dec Jun 2012 2013 Dec 2013 Jun 2014 Sep 2014 Dec Mar 2014 2015 Jun 2015* proforma Jun Jun Sep Dec Mar Jun Sep Dec Mar Jun Jun 2013 2013 2013 2014 2014 2014 2014 2015 2015 2015 2015 ELA funding reduced by €6,0 bn since peak ELA funding (bn) ECB funding ( bn) 90+ DPD formation slowed down sharply Adjusting for the disposal of the majority of the Russian operations 5.311 ■Change in 90+ DPD ( mn) 11,4 11,1 11,2 11,0 10,9 10,2 1,3 1,4 1,4 2.723 1,4 8,6 8,3 7,7 1.329 1.399 11,4 945 11,1 0,9 0,9 136 9,9 0,8 6,4 9,6 9,5 5,9 8,8 0,5 €6,0 bn reduction of ELA since peak 7,7 -350 -143 7,4 0,5 I -665 6,9 5,9 FY2009 FY2010 FY2011 FY2012 FY2013 FY2014 1Q2015 2Q2015 proforma 5,4 2Q2015 Apr 2013 Jun 2013 Sep Dec Mar Jun Sep Dec 2013 2013 2014 2014 2014 2014 2015 Mar Jun 26 Aug 2015 2015 * CET 1 ratio includes independently verified profits for 1H2015 Bank of Cyprus KOINO WKYNPIW 4

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