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Performance and Capital Position Overview

90+ DPD Fully Covered by Provisions & Tangible collateral 31 March 2016 Cyprus Gross Loans 90+ DPD Accumulated Provision € mn € mn provisions € mn coverage % FV of Tangible Total collateral collateral Coverage € mn¹ % % Provision coverage % operations 31 Dec 15 Tangible collateral % 31 Dec 15 Total Coverage % 31 Dec 15 Corporate 2.685 315 150 47% 186 59% 106% 53% 57% 110% SMEs 1.499 257 72 28% 195 76% 104% 26% 81% 107% Consumer 1.383 304 160 53% 144 47% 100% 52% 47% 99% Housing 3.605 452 119 27% 381 84% 111% 26% 84% 110% RRD 1.621 604 255 42% 441 73% 115% 38% 76% 114% Corporations RRD Major 2.726 1.618 780 48% 1.079 67% 115% 44% 74% 118% Corporations RRD- SMEs 1.349 940 231 24% 749 80% 104% 22% 80% 102% RRD Recoveries 2.177 2.177 1.272 58% 1.365 63% 121% 61% 62% 123% Corporate RRD Recoveries 1.529 1.528 806 53% 1.007 66% 119% 52% 67% 119% SMES RRD Recoveries 1.410 1.409 723 51% 869 62% 113% 48% 62% 110% Retail Total Cyprus 19.984 9.604 4.568 47% 6.416 67% 114% 46% 69% 115% (1) The fair value of the collateral is capped to the gross carrying value of the loans and advances to customers. DINO Bank of Cyprus 52

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