Investor Presentaiton

2014 overview: BOC Group Loan portfolio quality stabilisation signs; 90+ DPD reduced during 2014 90+ DPD formation slows down sharply € mn 2.723 1.329 1.399 945 Loan Quality Indicators 90+ DPD provision coverage 90+ DPD (€ bn) 13,0 12,8 12,6 13,0 12,7 5.311 38% 39% 39% 38% 41% -350 31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 FY2009 FY2010 FY2011 FY2012 FY2013 FY2014 • Formation of 90+ DPD* has slowed down sharply during FY2014. 90+ DPD decreased by €350 mn during FY2014, indicating a progress in arresting the deterioration of the loan portfolio quality . • 90+ DPD stabilised below €13 bn during the last few quarters 90+ DPD provisioning coverage ratio improved to 41%, up from 38% at 30 September 2014 Restructuring and Recoveries Division showing some early successes despite the adverse legal environment 90+ DPD are loans with a specific provision (i.e. impaired loans) and loans past-due for more than 90 days but not impaired Bank of Cyprus KOINO ΚΥΠΡΙ 2235 7

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