Investor Presentaiton

BOC-At a glance Strengthened capital position CET1 ratio (transitional basis) --1,9% Significant Balance Sheet deleveraging Total assets (bn) -27% 15,4% 14,0% 13,9% 14,9% 15,6% 33,0 31,4 30,3 11,3% 10,5% 10,4% 29,4 28,6 27,5 26,8 26,7 25,4 24,2 Capital increase I of €1 bn Jun Sep Dec Mar Jun Sep Dec 2013 2013 2013 2014 2014 2014 Mar Jun Sept 2014 2015 2015 2015 Dec Jun Dec 2012 2013 2013 Jun Sep Mar 2014 2014 2014 2015 Dec Jun 2015 Sept 2015* ELA funding reduced by €7,1 bn since peak ELA funding (€ bn) ECB funding (€ bn) 11,4 11,1 11,2 11,0 10,9 90+ DPD formation has reversed ■Change in 90+ DPD (€ mn) 5.311 Excluding the disposal of the majority of the Russian operations 10,2 1,3 1,4 1,4 2.723 1,4 8,6 8,3 7,7 1.329 1.399 945 11,4 0.9 11,1 0,9 9,9 0,8 6,4 9,6 9,5 5,4 8,8 0,5 5,2 €7,1 bn reduction of ELA since peak 7,7 7,4 -350 0,5 0.9 6,9 5,9 FY2009 FY2010 FY2011 FY2012 FY2013 4,9 -656 FY2014 9M2015 9M 2015 (excl. UB) I 1-287 43 Apr Jun Sep Dec Mar Jun Sep Dec Mar Jun Sep 23 Nov 2013 2013 2013 2013 2014 2014 2014 2014 2015 2015 2015 2015 * CET 1 ratio includes independently verified profits for 9M 2015 Bank of Cyprus KOINO WKYпPIW 4

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