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Investor Presentaiton

Eurosystem Funding Reliance Reducing Fast Continuous reduction of ELA with further potential going forward Actions for further ELA reduction 34% .32% 31% 31% 31% 11,40 28% 28% 11,11 11,16 10,96 10,91 26% 11,40 10,18 11,11 1,30 1,40 1,40 23% 1,40 9,86 8,60 9,56 9,51 8,28 • 20% Issue senior unsecured debt subject to market conditions Repos with Counterparties using CyGBs as collateral (currently pledged with the CBC) Interbank funding from local banks 8,78 0,92 7,70 0,88 18% • 0,80 Proceeds from deleveraging 7,68 7,40 6,40 6,90 0,50 5,40 5,15 5,90 0,50 0,85 4,90 4,30 €7,1 bn reduction of ELA since peak • Securitisation/new covered bond Working closely with the CBC so as to enable the use of a pool of retail loans within the ECB's Additional Credit Claims framework Continuous efforts to attract customer deposits Apr Jun Sep Dec Mar Jun Sep Dec 2013 2013 2013 2013 2014 2014 2014 2014 Mar Jun 2015 2015 Sep 2015 23 Nov 2015 • ELA (€ bn) ECB funding (bn) ELA % Total Assets In light of challenging market conditions the Bank is maintaining a significant liquidity buffer. * Ratio of ELA Funding % Total Assets for 23 November 2015 is based on total assets as at 30 September 2015 Bank of Cyprus 17 KOINO ΚΥΠΡΙ 2235
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