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Investor Presentaiton

Credit Risk - Analysis of problem loans Analysis of problem loans Cyprus operations (€ bn) (Sept-15) - 0,4 13,5 1,1 0,7 0,1 11,3 10,4 0,1 0,8 (0,1) €2,2 bn with arrears >90+DPD reclassification adj Impaired -no other IFRS and Total 90+ DPD with forbearance arrears measure 90+ DPD re-forborne within 2 years forborne >30+ Contagion effect Other DPD reclassification adjustments NPES The Bank is taking targeted action to address the €2,2 bn of NPE exposures that do not present arrears over 90 days The Bank's main focus for addressing the problem loans is the active management of the €10,4 bn of loans with arrears over 90+DPD Bank of Cyprus KOINO WKYNРIW 2235 56 * Loans in arrears for more than 90 days (90+ DPD) are defined as loans with a specific provision and loans past-due for more than 90 days, but not impaired.
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