Investor Presentaiton

Credit Risk by customer type - 90+ DPD fully covered by provisions & tangible collateral 30 June 2015 Corporate SMEs Retail Housing Retail Other Cyprus 47% 21% 21% 11% 100% 21,2 Gross loans (€ bn) 10,1 4,5 4,3 2,3 61,7% 66,7% 90+ DPD loans 54,2% 48,6% 26,7% by segment Loan Loss Reserve (LLR) 50,6% 43,3% 31,9% 24,5% 39,1% coverage Tangible 69,1% 74,7% 80,1% 51,6% 70,0% coverage 112,4% 106,6% 104,6% 102,2% 109,1% Total coverage Significant provision and collateral coverage, with additional comfort from personal guarantees XX % of total gross loans (Cyprus only) Bank of Cyprus 24 KOINO WKYMPιW

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