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Deleveraging and Financial Overview

Trade Trade 2,83 2,82 2,74 2,70 2,47 Gross loans by economic activity (€ bn) 31.12.13 31.03.14 30.06.14 ■30.09.14 ■ 31.12.14 % of 10% 4% 6% 17% 13% total 1,00 0,95 | 0,95 | 0,96 || 0,89 Manufacturing 90+ DPD ratios by economic activity 31.12.13 ■31.03.14 ■ 30.06.14 44,1% 44,4% 44,8% 46,7% 49,8% 49,7% 51,1% 53,3% 55,3% 54,3% 51,1% 46,8% 51,9% 59,8% ■30.09.14 ■ 31.12.14 58,9% Analysis of Loans and 90+ DPD ratios by Economic Activity 1,89 1,85 1,82 1,61 1,50 4,25 4,21 4,13 4,09 3,96 4,20 4,12 3,63 Hotels & Restaurants Construction Real estate Private 69,6% 72,1% 76,7% 78,3% 79,1% 51,7% 50,4% 48,0% 51,2% 48,3% 32,1% 33,0% 34,1% 36,8% 37,6% 56,8% 53,5% 54,9% Manufacturing Hotels & Restaurants Construction Professional Real estate Private Individuals Other & other services sectors Bank of Cyprus KOINO ΚΥΠΡΙ 2235 55 3,59 3,12 8,54 8,41 8,05 7,96 7,85 2,31 2,18 2,44 2,32 1,86 1,73 1,72 1,53 1,53 2,12 Professional 33% 8% 9% Individuals & other services sectors 57,7% 54,4% 64,7% 64,0% 59,6% 60,5% 66,9% Other

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