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Investor Presentaiton

Asset Quality (€ mn) Jun-15 Mar-15 Dec-14 Sep-14 Jun-14 A. Gross Loans after Fair value on Initial recognition 22.575 22.540 22.206 23.136 23.685 Fair value on Initial recognition 1.351 1.545 1.566 1.606 1.615 B. Gross Loans 23.926 24.085 23.772 24.742 25.300 B1. Loans with no arrears 10.178 10.038 10.065 10.298 10.964 B2. Loans with arrears but not impaired 4.105 4.627 4.413 5.222 5.285 Up to 30 DPD 668 662 562 750 919 + + + 31-90 DPD 91-180 DPD 181-365 DPD 435 596 492 716 826 227 344 440 718 674 529 758 926 1.058 1.145 Over 1 year DPD 2.246 2.267 1.993 1.980 1.721 + B3. Impaired Loans 9.644 9.420 9.294 9.221 9.051 With no arrears 969 1.006 1.153 1.145 1.133 Up to 30 DPD 91 68 149 66 104 31-90 DPD 91-180 DPD 121 275 142 168 122 167 181 143 233 398 181-365 DPD 489 445 685 828 1.551 Over 1 year DPD 7.807 7.445 7.022 6.781 5.743 (90+ DPD)* 12.646 12.789 12.653 12.977 12.591 90+ DPD ratio (90+ DPD / Gross Loans) 52,9% 53,1% 53,2% 52,5% 49,8% Accumulated provisions 5.381 5.354 5.140 4.948 4.879 Gross loans provision coverage 22% 22% 22% 20% 19% 90+ DPD provision coverage 43% 42% 41% 38% 39% Bank of Cyprus KOINO WKYNPIW Loans in arrears for more than 90 days (90+ DPD) = Loans with arrears over 90 days but not impaired + Impaired Loans 48
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