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Investor Presentaiton

Customer Deposits Customer Deposits by Geography (€ mn ) Cyprus ■ UK Russia & Other countries* 14.971 14.066 13.803 1.022 1.244 13.330 832 1.249 863 1.252 798 1.289 13.169 550 1.305 13.611 614 1.357 13.629 13.608 5 607 1.391 1.445 Evolution of Customer deposits** (€ mn) Adjusting for the disposal of the ☐ majority of the Russian operations ■Group Cyprus 442326 -161 -297 -497 -263297 -445 -473 -720 -905 12.705 11.985 11.688 11.243 11.314 11.640 11.631 12.158 -1415 -1502 71 581 527 527 18 I -9 -21 • 3Q13 4Q13 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 3Q15 (excl. UB) Group customer deposits totalled €13.608 mn at 30 September 2015. Customer deposits in Cyprus increased by €527 mn during 3Q2015 and stood at €12.158 at 30 September 2015, the highest level post December 2013 Deposit market shares. in Cyprus for Residents and non-Residents reached 26,1% and 27,5% respectively, in September 2015 Sep-13 Dec-13 25,6% 35,2% 32,2% Deposit market shares in Cyprus Residents Non-Residents Dec 13 Mar 14 Jun 14 Sep 14 Dec 14 Mar 15 Jun 15 Sep 15 25,5% 24,6% 30,8% 24,3% 28,4% 23,7% 27,5% 23,7% 27,2% 23,9% 26,4% 24,1% 26,7% 24,2% 26,9% 24,7% 27,2% 26,9% Jun-14 Sep-14 Mar-14 Oct-14 Nov-14 Dec-14 Jan-15 * Other countries comprise Ukraine (until March 2014), Romania and Greece. Including deposits of disposal groups held for sale/discontinued operations. Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 25,8% 25,1% 26,1% 25,3% 26,7% Aug-15 Sep-15 25,7% 26,5% 26,0% 26,1% 26,4% 27,5% Bank of Cyprus KOINO WKYNРIW 18
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