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Performance and Capital Position Overview

90+ DPD Fully Covered by Provisions & Tangible collateral Analysis of 90+ DPD coverage for Cyprus operations Mar-15 Jun -15 Sep-15 Dec -15 Mar - 16 110% 109% 111% 115% 114% 71% 70% 72% 69% 67% Total BoC - Cyprus 39% 39% 39% 46% 47% 113% 112% 115% 119% 117% 71% 69% 72% 68% 65% Corporate 42% 43% 43% 51% 52% 112% 107% 107% 108% 112% 76% 75% 75% 73% 71% SME 31% 32% 33% 39% 41% 107% 105% 106% 110% 114% 81% 80% 81% 79% 79% Retail- Housing 26% 25% 25% 31% 35% For Cyprus operations, 90+ DPD provision coverage increased to 47% at 31 March 2016, compared to 46% at 31 December 2015 Collateral coverage remains broadly unchanged and stands at 67% at 31 March 2016 As at 31 March 2016, overall coverage of 90+DPD stood at 114%, compared to 115% at 31 December 2015 and to 110% a year earlier 104% 102% 104% 106% 107% 52% 51% 53% 49% 49% Retail-Other 52% 51% 51% 57% 58% Bank of Cyprus Loan Loss Reserve coverage Tangible coverage 6 DINO

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