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Investor Presentaiton

07-2010 09-2010 11-2010 01-2011 03-2011 05-2011 07-2011 09-2011 11-2011 01-2012 03-2012 05-2012 07-2012 09-2012 11-2012 01-2013 03-2013 05-2013 07-2013 09-2013 11-2013 01-2014 03-2014 SOURCE: Statistical Service of Republic of Cyprus, European Commission, Bloomberg, IMF and company reports 05-2014 07-2014 Macroeconomic overview GDP growth expected to be positive from 2015 faster recovery than other peripheral countries (8,7%) Real GDP growth - Actual Current projections (EC) Initial Projections (EC) GDP Growth (yoy) 2010 2011 2012 2013 2014 2015f 2016f I 1,4% 1,6% 0,3% 0,4% (2,4%) (2,3%) (5,4%) (3,4%) (3,9%) Improved rating and credit outlook as demonstrated by benchmark sovereign bond issue Yield 16% 14% 12% 10% 8% 6% 4% 2% 2020 Cyprus government bond Continued improvement . According to the flash estimate published on 14 August 2015, real GDP in 2Q2015 increased by 0,9% over the corresponding quarter of 2014, on a seasonally adjusted basis. This was the second consecutive quarterly increase after fourteen quarters of continuous decline. Yields of Cyprus Government bonds have been stable despite the turbulence in Greece, underlying the decoupling of Cypriot economy and banking system 09-2014 11-2014 01-2015 03-2015 05-2015 07-2015 Bank of Cyprus 5 KOINO WKYNPIW 2Q2011 1,2% 3Q2011 -0,4% 4Q2011 -0,8% 1Q2012 -1,2% 2Q2012 -2,4% 3Q2012 -2,3% 4Q2012 -3,7% 1Q2013 -5,3% 2Q2013 -6,0% 3Q2013 -5,5% 4Q2013 -4,7% 1Q2014 -3,2% 2Q2014 -1,8% 3Q2014 -2,1% 4Q2014 -1,8% 1Q2015 0,2% 2Q2015 ā—† 0,9%
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