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Investor Presentaiton

Analysis of Deposits by Geography and by Type Deposits by geography 30 September 2015 (%) Total 16,97 ■Cyprus non-IBU Cyprus IBU ■ UK ■Russia & Other countries* ■Cyprus non IBU Cyprus IBU** 1,25 14,97 (€ bn) 14,07 13,80 1,30 1,02 13,33 13,17 13,61 13,63 13,61 ■ UK ■Russia 0,83 1,24 0,87 4,75 1,25 0,79 0,61 1,25 0,55 0,61 1,29 1,30 1,36 1,39 1,45 11% 4,05 3,79 3,59 3,46 3,47 3,57 3,21 3,40 25% 9,67 8,66 8,20 8,09 7,79 7,85 8,07 8,42 8,76 64% Jun-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Deposits by type of deposits Total Cyprus 89% 30 September 2015 (%) Time deposits Savings account Current and demand account Total Time deposits Savings accounts ■Current & demand accounts 16,97 14,97 (€ bn) 3,42 14,07 13,80 13,33 13,17 13,61 13,63 13,61 0.83 3,49 3,53 3,72 0,93 3,96 4,33 4,48 4,47 4,63 0,95 0.95 0.84 0.96 0,97 1.02 1.01 34% 12,72 10,55 59% 9,59 9,13 8,53 7,88 8,16 8,14 7,96 7% T Jun-13 Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Other countries: Romania and Ukraine (until March 2014) Bank of Cyprus KOINO WKYNРIW 2235 ** IBU- Division servicing exclusively international activity companies registered in Cyprus and abroad and non-residents 42
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