Investor Presentaiton

Analysis of Operating Expenses € mn FY2015 FY2014 4Q2015 3Q2015 Operating lease rentals for property and equipment 10 13 2 3 Advertising, marketing and communication expenses 22 24 8 8 Property related costs 43 35 16 10 Insurance expenses 15 14 4 4 4 Depreciation and amortisation 19 20 20 LO 5 5 Special tax levy on deposits of credit institutions in Cyprus & Contribution to depositor protection scheme 18 20 20 5 4 Provision and settlements of litigations or claims 8 11 6 Consultancy and other professional services fees 16 19 4 4 Other operating expenses Total operating expenses 31 37 12 5 182 193 62 43 Bank of Cyprus KOINO KYпPIW 237 26

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