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50% 45% 47% 44% 44% 48% 48% 50% total 31.12.13 % of 10% 2,82 2,74 2,70 2,83 2,47 4% Gross loans by economic activity (€ bn) 31.03.14 ■ 30.06.14 ■ 30.09.14 ■ 31.12.14 31.03.15 ■30.06.15 Analysis of Loans and 90+ DPD ratios by Economic Activity 7% 17% 2,48 2,50 1,00 0,95 0,96 0,95 0,89 0,91 0,92 1,89 1,85 1,82 1,61 1,50 1,57 1,64 4,25 4,21 4,13 4,09 3,96 4,04 4,19 4,20 4,12 3,63 3,59 3,12 3,17 13% Trade Manufacturing Hotels & Construction Restaurants Real estate Private Individuals 90+ DPD ratios by economic activity ■31.12.13 ■31.03.14 ■ 30.06.14 ■ 30.09.14 ■31.12.14 ■ 31.03.15 BEEEEEE ■ 30.06.15 53% 51% Trade Manufacturing 55% 54% 54% 54% 51% 47% 52% 50% Hotels & Restaurants Construction Real estate 48% 51% 48% 48% 48% 32% 33% 34% 37% 38% 38% Private Individuals 38% 3,20 33% 8% 6% Professional & other services € 65 66 66 Professional & other services Other sectors Bank of Cyprus KOINO WKYNPIW 737 51 1,86 1,89 2,07 1,73 1,72 1,53 1,53 2,12 2,09 1,55 Other sectors

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