Deleveraging and Financial Overview

Capital Position Evolution of CET1 ratio since 30.09.2014 15,4% +0,2% 14,0% -1,8% +0,2% 13,4% +0,1% -0,1% -0,6% 30.09.14 CET1 ratio Profit before Provisions provisions Other adjustments Disposal of RWA Change CET1 ratio DTA (transitional) non core assets 31.12.14 (transitional) CET1 ratio 31.12.14 (fully loaded) Capital Adequacy Ratios ■31.12.13 ■31.03.14 15,4% 11,3% 10,4% 10,6% ■30.06.14 ■30.09.14 ■31.12.14 15,6% 14,0% 11,5% 10,6% 10,8% 14,2% CET1 ratio (transitional) at 14% at 31 December 2014, compared to 15,4% at 30 September 2014 mainly due to increased provisions in 4Q2014 related to the methodological alignments and changes in certain estimates following the completion of the review of the AQR results and to the Russian operations CET1 ratio (fully loaded) at 13,4% at 31 December 2014 Total capital ratio totalled 14,2% at 31 December 2014 CET 1 ratio (transitional) Total capital ratio (transitional) Bank of Cyprus KOINO WKYпPIW 21

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