Deleveraging and Financial Overview

12,76 90+ DPD by Geography 12,59 12,98 12,65 0,57 0,89 0,52 0,26 0,58 0,28 0,25 0,55 0,09 0,44 0,51 0,51 90+ DPD by Geography (€ bn) 90+ DPD ratios by Geography ■Cyprus Russia ■ UK Other countries* ■Cyprus ■Russia ■ UK Other countries* 11,60 11,18 11,28 11,47 Other countries: Romania, Ukraine (until March 2014) and Greece 21% 34% 49% 24% 39% 51% 75% 65% 31.03.14 30.06.14 30.09.14 31.12.14 31.03.14 30.06.14 30.09.14 31.12.14 Bank of Cyprus KOINO WKYNРIW 2235 53 53% 46% 23% %08 54% 52% 10% 84%

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