Investor Presentaiton

Analysis of Deposits by sector for Cyprus operations Deposits by sector as per CBC classification for Cyprus operations 31 December 2015 (%) Total (€ bn) ■Households Non financial corporations Other financial corporations General Governments Market Shares ■General Governments Other financial corporations ■Non financial corporations 12,71 12,69 ■ Households 0,13 0,99 0,87 11,99 0,13 12.16 0,16 11,64 11,63 0.12 0,75 11,25 0,800,13 11,32 1,17 Total market shares 0,12 0,13 1,33 1,53 1,20 1,37 36,0% 3,90 3,60 3,61 3,64 3,21 2,94 3,41 2,82 2,87 29,9% 28,0% 28,2% 7,69 7,38 7,14 6,91 6,99 7,12 7,36 7,50 7,76 17,9% Dec-13 Mar-14 Jun-14 Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15 Bank of Cyprus KOINO WKYNРIW 36

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