Deleveraging and Financial Overview

Income Statement bridge for FY2014 € mn Net interest income Net fee and commission income Net foreign exchange gains (losses) and net profits (losses) on other financial instruments Insurance income net of insurance claims Other income/(expenses) Total income Total expenses Profit before provisions and impairments, gains on derecognition and changes in expected ¡ cash flows on acquired loans, restructuring costs and discontinued operations Provisions for impairment of customer loans Gains on derecognition and changes in expected cash flows on acquired loans Impairments of other financial and non-financial assets Share of profit /(loss) from associates ■ Profit/(loss) before tax, restructuring costs and discontinued operations Tax Loss attributable to non-controlling interests Profit after tax and before restructuring costs, discontinued operations and net profit from disposal of non-core assets Restructuring costs Net gain (loss) on disposal of non-core assets Loss from disposal group held for sale / discontinued operations, net of minority interest ¡Loss)/profit after tax Per financial statements Reclassification Per presentation 967 967 153 153 214 (208) 6 46 46 0 0 1.380 1.171 (462) 36 (426) 918 745 (666) (666) 0 47 47 (90) (90) 5 5 167 41 I (11) (11) 0 0 156 31 0 (36) (36) 0 47 47 (417) 114 (303) (261) (261 Bank of Cyprus KOINO WKYNРIW 38

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