Investor Presentaiton

Key Takeaways Leading financial institution in an economy that is on the road to economic recovery CET1 ratio at 14,0% (transitional basis); capital position shields the Group from further shocks and helps in regaining trust of counterparties Completion of review of AQR results and reduction of net exposure to Russia results in increased provisions for 4Q2014 ➤ Stabilising deposit base, with 4Q2014 deposits in Cyprus increasing for the first time since bail-in; all blocked decree deposits released ahead of plan and majority of them retained with the Bank ELA reduced to €6,9 bn through deleveraging actions, capital proceeds and customer inflows RRD up and running with signs that actions are yielding results, despite the lack of the appropriate legal infrastructure Loan quality showing signs of stabilisation; 90+ DPD reduced by 3% during 4Q2014; imperative that the Bank is given the tools to engage effectively with borrowers Recurring profitability stabilising Bank of Cyprus KOINO WKYNРIW 2235 31

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