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Investor Presentaiton

Overseas non-core operations The non-core overseas operations as at 30 September 2015 were as follows: Greece: The net exposure comprised: Overseas non-core operations (€ mn) 1.311 166 (a) Net on-balance sheet exposures (excluding foreclosed properties) totalling €49 mn; (b) 637 foreclosed properties with a book value of €192 mn; (c) off-balance sheet exposures totalling €132 mn; and (d) lending exposures to Greek entities in the normal course of business in Cyprus totalling €71 mn, and lending exposures in Cyprus with collaterals in Greece totalling €68 mn. -25% 1.179 155 1.051 627 185 986 585 140 154 528 97 139 I 512 76 133 179 132 56 200 49 199 192 Romania: The overall net exposure is €354 mn Russia: Following the disposal of Uniastrum Bank and certain other Russian assets the remaining net exposure (on and off balance sheet) in Russia is €120 mn 520 439 368 354 164 155 155 120 Sep-15 Dec-14 Mar-15 Jun-15 Greece other* ■Greece net on balance sheet exposure ■Romania: Net Exposure Greece net off balance sheet exposure ■Greece Foreclosed Properties ■Russia: Net exposure Lending exposures to Greek entities in the normal course of business in Cyprus and lending exposures in Cyprus with collaterals in Greece As per the completion of the announcement dated 28 September 2015. Comprising €135 mn on-balance sheet and €20 mn off-balance sheet exposures, based on the Group financial results for the six months ended 30 June 2015. Bank of Cyprus KOINO WKYNРIW 27
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