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Investor Presentaiton

■30.09.14 total Gross loans by economic activity (€ bn) % of ■ 30.09.14 ■ 31.12.14 ■31.03.15 11% 4% ■30.06.15 30.09.15 7% Analysis of Loans and 90+ DPD ratios by Economic Activity 2,70 2,47 2,48 2,50 2,38 18% 15% 0,95 0,89 0,91 0,92 0,85 1,61 1,50 1,57 1,64 1,62 4,09 3,96 4,04 4,19 4,14 3,59 3,12 90+ DPD ratios by economic activity ■31.12.14 Trade Manufacturing Hotels & Restaurants Construction Real estate Private 47% 50% 48% 48% 49% 55% 54% 54% 54% Trade ■31.03.15 ■ 30.06.15 30.09.15 54% %09 59% 62% 57% %69 78% 79% 77% %08 3,17 32% 8% 5% 3,20 3,38 7,96 7,85 7,92 7,86 7,41 2,32 1,86 1,89 2,07 1,84 1,53 2,12 2,09 1,55 1,24 Individuals Professional & other services Other sectors 79% 51% 48% 48% 48% 48% 37% 38% 38% 38% 36% 58% 54% 55% 57% 62% %09 67% Professional Manufacturing Hotels & Restaurants Construction Real estate Private Individuals & other services Other sectors Bank of Cyprus KOINO ΚΥΠΡΙ 2235 51 67% 64% 57%
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