Investor Presentaiton

Credit Risk - 90+ DPD by Geography and by customer type Group 90+ DPD loans by geography €bn 48,6% 90+DPD ratio (% of total loans) 13,0 0,9 48,6% 49,8% 52,5% 53,2% 12,8 12,6 13,0 0,9 12,7 0,5 0,6 0,4 0,3 0,5 0,3 0,3 0,6 0,6 0,5 0,1 11,3 11,2 31.12.13 11,3 11,6 11,5 31.03.14 30.06.14 30.09.14 31.12.14 ■Cyprus ■Russia ■ UK Other countries* Group 90+ DPD loans by customer type €bn 13,0 12,8 13,0 12,6 1,3 1,3 1,2 1,3 12,7 1,2 1,2 1,2 1,1 1,1 1,2 3,3 3,5 3,1 3,4 3,3 7,2 6,9 7,0 7,1 7,2 31.12.13 31.03.14 30.06.14 30.09.14 31.12.14 ■ Corporate ■SMES ■Retail other ■Retail housing Bank of Cyprus KOINO ΚΥΠΡΙ * Other countries include certain loans and advances in Romania that previously were reported under Cyprus 24

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