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Investor Presentaiton

Analysis of Non-interest income Analysis of Non Interest Income (€ mn) Net fee and commission Income ■Net FX gains/(losses) & Net profits/(losses) on other financial instruments 42 20% 61 13 0 1Q2014 37 40 17% 13 55 -1 2Q2014 6 37 40 10 Insurance income net of insurance claims ■Other income/(expenses) 12% 20% % Non interest income % Total income 32 56 X 37 Non interest income (€ mn) 14 10 -13 3Q2014 -2 4Q2014 • 4Q2014 non-interest income of €56 mn, compared to €32 mn for 3Q2014 • Recurring non-interest income from fee and commission income and income from the insurance business averaging around €50 mn per quarter (about 17% of total income) Recurring income from insurance business reflecting the Group's leading position in the insurance. business in Cyprus Bank of Cyprus 12 KOINO WKYNРIW 2235
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