Investor Presentaiton

BOC - At a glance Strengthened capital position Significant Balance Sheet deleveraging CET1 ratio -Leverage ratio Total Assets (€ bn) -RWA (€ bn) Improved funding structure Loans to deposits ratio Customer deposits % Total assets 33,0 30,3 145% 140% 141% 121% 14,0% 14,0% 26,8 23,3 10,5% 10,4% 12,5% 12,6% 23,5 23,5 22,7 61% 51% 49% 49% 19,7 8,4% 8,6% Jun 2013* Dec 2013** Dec 2014 Dec 2015 Jun 2013 Dec 2013 Dec 2014 Dec 2015 Jun 2013 Dec 2013 Dec 2014 Dec 2015 ELA funding reduced by €7,9 bn since peak ELA (€ bn) ELA % Total Assets 90+ DPD formation reversed ■Change in 90+ DPD (€ bn) 34% 31% 28% 11,4 11,1 9,6 7,4 16% 15% 2,7 3,8 3,5 1,3 1,4 0,9 Apr 2013 Jun Dec Dec Dec 25 Feb 2013 2013 2014 2015 2016 *Pre CRD IV * Proforma CRD IV Improved asset quality 90+ DPD ratio 90+ DPD provision coverage 5,3 48,1% 41,6% 40,6% 38,3% 38,8% -0,4 Jun-2013 48,6% Dec-2013 53,2% 50,1% Dec-2014 Dec-2015 -1,3 FY09 FY10 FY11 FY12 FY13 FY14 FY15 Bank of Cyprus KOINO ΚΥΠΡΙ 22

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