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Investor Presentaiton

NPEs by Geography and by Customer Type NPEs by geography 30 September 2015 (%) ■Cyprus ■Russia UK Other Countries* Total 15,17 14,96 14,73 14,81 (€ bn) 0,56 0,58 0,57 0,47 14,22 0,64 ■Other countries* 0,52 0.11 0,65 0,39 ■Russia 0,57 0.11 0,10 0,26 0,26 0.08 ■ UK ■Cyprus 13,33 13,75 13,86 13,59 13,49 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 NPEs by customer type Total (€ bn) 2,7% 1,8% 0,6% 11 94,9 % 30 September 2015 (%) ■Corporate ■Retail Housing ■SME ■Retail Other 14,73 14,96 15,17 14,81 14,22 ■Retail Other 1,45 1,45 1,49 1,51 1,36 9,6% ■Retail Housing 1,66 1,82 1,93 1,95 1,98 ■SMES 3,64 3,53 3,57 13,9% 3,60 3,51 ■Corporate 51,8 % 24,7% 7,98 8,17 8,18 7,75 7,37 Sep-14 *Other countries: Greece and Romania Dec-14 Mar-15 Jun-15 Sep-15 Bank of Cyprus KOINO WKYNРIW 45
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