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Investor Presentaiton

30% 20% 10% 0% -10% -20% -30% -40% 1Q2002 3Q2001 3Q 2002 1Q 2001 прих Macroeconomic overview Construction growth % qoq Indicators of private consumption (annual percentage change) 1Q 2003 3Q 2003 1Q 2004 Construction growth % qoq 40% 20% 1Q2005 3Q 2004 3Q 2005 1Q2006 1Q 2009 3Q 2006 3Q 2008 1Q 2007 3Q2007 1Q2008 1Q2010 3Q 2009 Accumulative tourist arrivals per year in 000's 3Q2010 1Q2012 3Q2011 1Q2011 له 3Q2012 1Q2013 3Q2013 1Q2014 3Q2014 1Q2015 2440 2240 2040 1840 1640 1440 1240 1040 840 640 440 240 40 Jan Feb Mar Apr May Jun July Aug Sept Oct Nov Dec 2007 2013 2008 2012 2009 2014 2010 2011 2015 * 2015 tourist revenue projections based on BOC estimates SOURCE: Statistical Service of Republic of Cyprus, European Commission, Bloomberg, IMF and company reports 10% 12% -20% -40% -60% 0% Jul 2011 Jan 2012 Jan 2011 Jul 2012 Mar 2012 Mar 2011 May 2011 Nov 2011 Sep 2011 Sep 2012 May 2012 Nov 2012 Jan 2013 Jul 2013 Mar 2013 Nov 2013 May 2013 Sep 2013 Jan 2014 Mar 2014 May 2014 Retail Sales Volume Index -Total Vehicle Registrations Revenues from Tourism as % of GDP 9,8% Jul 2014 Sep 2014 11,5% 11,6% 11,3% 11,4% 8,8% 8,9% 8% 2009 2010 2011 2012 2013 2014 2015* Tourism as a % of GDP Bank of Cyprus KOINO ΚΥΠΡΙ 58 Nov 2014 Jan 2015 Jul 2015 Mar 2015 May 2015

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