Investor Presentaiton

Corporate 29% 38% 43% 42% 45% Rescheduled Loans for the Cyprus operations Rescheduled Loans by customer type (€ bn) Rescheduled Loans (€ bn) 1.332 ■Retail housing ■Retail consumer ■SMES Corporate 8,4 8,2 8,4 7,4 1,7 1,7 1,7 5,7 1,5 8.209 0,6 0,6 0,6 0,5 1,3 1,8 1,7 1,7 1,5 0,4 1,1 3,9 4,3 4,2 2,9 ■31.12.14 31.03.15 ■30.06.15 ■30.09.15 ■31.12.15 24% 34% 39% 38% 39% 34% 29% 40% 40% 39% 31.12.14 31.03.15 30.06.15 30.09.15 31.12.15 Rescheduled Rescheduling Loans 30.09.2015 during 4Q2015 Already classified rescheduled Rescheduled loans % gross loans 1 by customer type Loans no longer classified rescheduled Other adjustment Rescheduled Loans 31.12.2015 17% 22% SMES Retail housing Retail Consumer 26% 26% 26% (1.) Before fair value adjustment on initial recognition relating to loans acquired from Laiki Bank (difference between the outstanding contractual amount and the fair value of loans acquired) amounting to €1,207 mn for gross loans and to €542 mn for rescheduled loans (compared to €1,266 mn and €548 mn respectively at 30 September 2015), including loans of discontinued operations/disposal group held for sale. Bank of Cyprus 48 DINO -491 -582 -76 8.392

View entire presentation