Investor Presentaiton

Analysis of Loans and 90+ DPD ratios by Business Line* Gross loans by business line (€ bn) 30.06.14 ■ 30.09.14 ■ 31.12.14 % of total 23% 18% 10% 16% 7% 6% 20% 5,21 4,87 4,34 5,84 5,55 5,33 4,06 4,41 4,78 3,94 3,90 3,85 2,73 2,63 2,30 2,01 1,90 1,75 1,50 1,48 1,40 Corporate SMEs Housing Consumer Credit RRD-Mid and Large Corporates RRD-SMES - RRD Recoveries 90+ DPD ratios by business line 30.06.14 ■ 30.09.14 ■ 31.12.14 100% 100% 100% 79% 82% 81% 66% 68% 69% 30% 33% 32% 28% 28% 24% 31% 32% 31% 14% 17% 16% Corporate SMEs Housing Consumer Credit RRD-Mid and Large Corporates RRD-SMEs *As part of the restructuring of the Group, management is currently monitoring the loan portfolio of the Group using new business line definitions. An important component of the Group's new operational structure is the establishment of the RRD for the purposes of centralising and streamlining the management of its delinquent loans. No comparative information is available prior to June 2014. RRD-Recoveries Bank of Cyprus 54 KOINO ΚΥΠΡΙ 2235

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