Investor Presentaiton

Income Statement Highlights - Group vs Cyprus FY2015 Cyprus Vs Group performance (€ mn) 94% 98% 1.017 1.040 788 842 54 92% -383 -416 23 102% 634 624 58% % % contribution of Cyprus operations ■Cyprus operations -33 -10 -252 -186 ■Rest of operations ■Group -438 Net interest income Total income Total expenses Profit before provisions and impairments restructuring costs and discontinued operations Loss after tax High NIM in Cyprus operations Low Cost to Income ratio for Cyprus operations Steady Fee and commission income for Cyprus operations Total income (€ mn) (bps) 423 384 379 386 369 367 366 354 38% Other income 303 246 267 262 250 Fee and commission income 254 251 38% 35% 35% 35% 35% 12% 15% 13% 16% 13% 14% 15% 33% FY2015: 373 31% 31% FY2014: 385 88% 85% 87% 84% 87% 86% 85% 1Q14 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 FY13 1Q14 1H14 9M14 FY14 1Q15 1H15 9M15 FY15 2Q14 3Q14 4Q14 1Q15 2Q15 3Q15 4Q15 (1) Profit before provisions and impairments, gains on derecognition and changes on expected cash flows on acquired loans, restructuring costs and discontinued operations. Bank of Cyprus 7 DINO

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