Investor Presentaiton

UK Operations Gross Loans (€ bn) 1,21 1,13 1,14 0,91 1,03 Dec 2014 Mar 2015 Jun 2015 Sept 2015 Dec 2015 Customer Deposits (€ bn) 1,49 1,45 1,39 1,36 1,30 Dec 2014 Mar 2015 Jun 2015 Sept 2015 Dec 2015 Loans by sector as at 31 December 2015 Consumer Credit Housing 2% SMES 1% 21% Corporate 76% Bank of Cyprus 40 DINO

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