Investor Presentaiton

Net Interest Income and Net Interest Margin Net Interest Income (€ mn) Interest income from Laiki Recapitalisation Bond 248 263 231 225 44 43 26 26 219 205 205 199 1Q2014 2Q2014 3Q2014 4Q2014 . • • 4Q2014 Group Net Interest Income (NII) at €225 mn (compared to €231 mn for 3Q2014) primarily due to deleveraging actions Group Net Interest Margin (NIM) at 3,81% for 4Q2014 and 3,94% for FY2014. NII and NIM continue to reflect the competitive environment in Cyprus and the composition of the Group's funding, with Eurosystem funding accounting for 31% of assets as at 31 December 2014. Net Interest Margin (bp) 423 390 382 381 1Q2014 2Q2014 3Q2014 4Q2014 Bank of Cyprus 11 KOINO ΚΥΠΡΙ 2235

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