Investor Presentaiton

Group Income Statement Highlights Group Income Statement Highlights (€ mn) 205 215 161 167 170 169 -111 -105 -122 -122 -156 ■1Q2014 ■2Q2014 ■ 3Q2014 ■4Q2014 ■1Q2015 ■ 2Q2015 83 43 57 25 16 31 -164 50 50 -5 29 31 -276 -337 Profit before impairments* restructuring costs and discontinued operations Provisions for impairment of customer loans and gains on derecognition and changes in expected cash flows on acquired loans Profit/(loss) after tax from continuing operations** Profit/(loss) after tax • • • Profit before impairments*, restructuring costs and discontinued operations for 2Q2015 at 169 mn, compared to 170 mn for 1Q2015 Provisions for impairment of customer loans and gains on derecognition and changes in expected cash flows on acquired loans for 2Q2015 at 122 mn, compared to 105 mn for 1Q2015 Profit after tax from continuing operations for 2Q2015 at 16 mn, compared to a profit for 1Q2015 at 57 mn • Profit after tax for 2Q2015 at 31 mn, compared to a profit of 29 mn for 1Q2015 Profit before provisions and impairments, gains on derecognition and changes on expected cash flows on acquired loans, restructuring costs and discontinued operations. Profit/(loss) after tax and before restructuring costs, discontinued operations and net profit on disposal of non-core assets Bank of Cyprus KOINO WKYMPιW 12

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