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Group Financial Results H1 2016

42% 43% 43% 51% 52% Analysis of 90+ DPD coverage for Cyprus operations 90+ DPD Fully Covered by Provisions & Tangible collateral Corporate SME Retail-Housing Retail-Other Total BoC Cyprus - 113%112% 115% 119%117% 119% 112%112% 114% 114%113% 107% 107% 108% 107% 105% 106% 110% 104% 102% 104% 106%107% 106% 110%109% 111% 115%114%115% Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 59% 31% 32% 33% 39% 41% 43% 60% 68% 65% 71% 69% 72% 73% 71% 71% 49% 49% 48% 76% 75% 75% 79% 79% 79% 52% 51% 53% 81% 80% 81% 71% 70% 72% 69% 67% 64% Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 ■Total-LLR • Collateral coverage stood at 64% at 30 June 2016 Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 26% 25% 25% 31% 35% 34% 52% 51% 51% 57% 58% 58% 39% 39% 39% 46% 47% 51% Total Tangible Coverage Mar-15 Jun-15 Sep-15 Dec-15 Mar-16 Jun-16 90+ DPD provision coverage for Cyprus operations increased to 51% at 30 June 2016, compared to 47% at 31 March 2016 Mar-15 Jun-15 Sep-15 Dec-15 • As at 30 June 2016, overall coverage of 90+DPD increased to 115%, compared to 114% at 31 March 2016 and to 109% a year earlier Bank of Cyprus KOINO KYMPI 6 Mar-16 Jun -16

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