Investor Presentaiton

Consolidated Balance Sheet € mn % 30.06.15 31.12.14 € mn % 30.06.15 31.12.14 change change Cash and balances with Amounts due to banks +24% 201 162 -11% 1.011 1.139 Central Banks Funding from Central Banks -23% 6.403 8.284 Placements with banks -13% 1.425 1.647 Repurchase agreements -1% 576 580 Debt securities, treasury bills -36% 1.631 2.541 Customer deposits +3% 13.027 12.624 and equity investments Debt securities in issue 1 1 Net loans and advances to customers 18.136 18.168 Other liabilities -6% 986 1.046 Other assets 2.374 2.378 Non current liabilities and disposal groups classified as held for sale +9% 669 611 Non current assets and disposal groups classified as -12% 805 916 Total liabilities held for sale Share capital -6% 21.863 23.308 892 892 Total assets -5% 25.382 26.789 Capital reduction reserve and share premium 2.505 2.505 Note: As from the fourth quarter of 2014, the Group's operations in Russia are treated as a disposal group held for sale and results have been presented accordingly as discontinued operations in accordance with IFRSS. Revaluation and other reserves +21% 178 147 Accumulated losses -12% (69) (79) Shareholders' equity +1% 3.506 3.465 Non controlling interests -17% 13 16 Total equity +1% 3.519 3.481 Total liabilities and equity -5% 25.382 26.789 Bank of Cyprus KOINO WKYNPIW 737 32

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