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Investor Presentaiton

Summary Income Statement by Geography (€ mn) UK OTHER 9M2015 9M2014 9M2015 9M2014 Net interest income Net fee & commission income 23 26 35 65 4 3 9 17 Insurance income net of insurance claims . 1 2 Other income (expenses) 0 1 (6) 13 Total income 27 30 39 97 Staff costs Other operating expenses Total expenses (11) (9) (24) (29) (12) (9) (30) (45) (23) (18) (54) (74) Profit/(loss) before provisions and impairments 12 (15) 18 Provisions1 7 (28) (125) (131) Impairment of other financial assets and non financial assets (11) (5) Share of profit from associates I Profit/(loss) before tax Tax Profit attributable to non-controlling interests Profit/(loss) after tax and before one off items 11 (16) (151) (113) (1) (1) 0 (10) 15 16 10 (17) (136) (107) 1. Provisions for impairment of customer loans and gains on derecognition and changes in expected cash flows on acquired loans Bank of Cyprus KOINO WKYпPIW 38
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