Investor Presentaiton

Asset Quality 90+ DPD inflows in the Cyprus operations have been reduced significantly Group 90+ DPD by Customer type (€ bn) 90+ DPD inflows - Cyprus operations (€ bn) ■ Corporate ■SMES ■Retail other ■Retail housing 90+ DPD inflows 0,68 12,65 12,79 12,65 12,00 0,60 1,17 1,21 1,24 11,33 1,08 1,22 1,26 1,10 1,18 1,14 1,08 3,07 3,14 3,13 3,03 2,90 7,19 7,18 7,10 6,80 6,25 Average quarterly inflows. 0,34 0,36 0,22 0,11 0,39 31.12.14 31.03.15 30.06.15 30.09.15 31.12.15 3Q2014 4Q2014 1Q2015 2Q2015 3Q2015 4Q2015 90+ DPD inflows by customer type - Cyprus operations (€ bn ) 0,29 ■3Q2014 ■4Q2014 ■1Q2105 ■2Q2105 3Q2105 ■4Q2015 Average 0,37 0,22 0,20 0,18 0,17 0,14 0,13 0,09 0,10 0,09 0,11 0.11 0,08 0.09 ,00 0,07 0,00 0,05 0,04 0,02 Corporate SMEs Retail • Most of the 90+ DPD reduction for FY2015 relates to Corporate loans, accounting for about 70% of the reduction • 90+ DPD inflows (Cyprus operations) have been reduced significantly, totalling € 0,11 bn for 4Q2015, compared to an average of €0,39 bn for the last six quarters • Although there was as reduction in 90+ DPD inflows across all types of loans, 90+ DPD inflows for Corporate loans have exhibited the most improvement Bank of Cyprus DINO 13

View entire presentation