Deleveraging and Financial Overview

Credit Risk – Quality of Loan portfolio Problem Loans (€ bn) 90+ DPD ■NPLS (CBC definition) INPES (EBA definition) 14,04 12,98 13,13 13,00 30.09.13 12,76 14,58 14,44 12,59 31.12.13 31.03.14 30.06.14 90+ DPD formation slows down sharply ■Change in 90+ DPD (€ mn) 2.723 1.329 1.399 945 5.311 -350 FY 2009 FY2010 FY2011 FY2012 FY2013 FY2014 15,05 14,96 14,74 12,98 12,65 30.09.14 31.12.14 90+ DPD decreased by €325 mn during 4Q2014. The decrease primarily relates to the Cypriot operations and to the disposal of the UK loan portfolio 90+ DPD formation in 2014 has slowed down sharply Non-performing exposures (NPEs) as per European Banking Authority (EBA) totalled €14,96 bn and accounted for 63% of gross loans * 90+ DPD are loans with a specific provision (i.e. impaired loans) and loans past-due for more than 90 days but not impaired Bank of Cyprus 22 KOINO ΚΥΠΡΙ

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