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Investor Presentaiton

Customer Deposits Growing customer deposit¹ base (€ bn ) Cyprus 2 ■ UK ■Russia & Other countries Improving funding structure -Customer deposits to Total Assets -Loans to deposits ratio (net) 14,97 14,07 14,18 1,02 13,80 13,33 13,17 13,61 13,63 13,61 0,00 0,83 1,24 0,86 1,25 1,25 0,80 0,55 1,29 1,31 0,61 0,61 1,36 1,39 0,00 1,49 151% 1,45 145% 148% 148% 141% 138% 136% 132% 121% 12,71 11,99 11,69 11,24 11,31 11,64 11,63 12,16 12,69 61% 49% 48% 48% 49% 49% 51% 54% 56% Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 Dec 15 Dec 2013 Increasing deposit market shares in Cyprus Residents Non-Residents 32,2% 30,8% +4,4 p.p³. yoy 31,1% 28,4% 27,5% 26,7% 26,9% 26,7% 27,5% 25,5% 24,6% 24,3% 26,1% 23,7% 24,1% 24,6% 25,3% +2,9 p.p.3 yoy 27,0% Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 (1) Other countries comprise Ukraine (until March 2014), Romania and Greece. (2) Including deposits of disposal groups held for sale/discontinued operations. p.p. percentage points (3) (4) Based on EBA Risk Dashboard Report, Data as at 30 September 2015 • • . Jun Sep Dec Sep Dec Mar Mar Jun 2014 2014 2014 2014 2015 2015 2015 2015 Group customer deposits totalled €14,18 bn at 31 December 2015. Adjusting for the disposal of the Russian operations, customer deposits increased by €1,6 bn or 12% during FY2015 Deposit market shares in Cyprus for Residents and non-Residents reached 27% and 31% respectively, in December 2015; A gain of 2,9 percentage points in Residents market share during FY2015 Ratio of Loans to deposits improved by 20 percentage points to 121% during 2015 and is in line with the EU average as reported by EBA4; Ratio of Deposits to Total Assets increased by 12 percentage points to 61% during 2015 Bank of Cyprus 11 KOINO WKYпPIW
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