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NPEs by Geography and by Customer Type NPEs by geography Total 31 December 2015 (%) ■Cyprus ■Russia UK Other Countries* 15,17 (€ bn) 14,96 14,73 14,81 0,56 1 0,58 ■Other countries 0,57 0,47 14,22 1,8% 2,8% 0,64 13,97 ■Russia 0,52 0,5% 0,65 0,57 0.11 0.11 0,39 ■ UK 0,10 26 0,39 0,26 0,08 0.25 ■Cyprus 13,75 13,86 13,33 13,59 13,49 13,26 94,9 % Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 NPEs by customer type Total (€ bn) 31 December 2015 (%) ■Corporate SME ■Retail Housing ■Retail Other 14,73 14,96 15,17 14,81 14,22 13,97 ■Retail Other 1,45 1,45 1,49 1,51 1,36 1,37 9,8% ■Retail Housing 1,66 1,82 1,93 1,95 1,98 1,97 ■SMES 3,64 3,53 3,57 14,1% 3,60 3,51 3,44 ■Corporate 51,5 % 24,6% 7,98 8,17 8,18 7,75 7,37 7,19 Sep-14 (1) Other countries: Greece and Romania Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Bank of Cyprus DINO 38

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