Preliminary Group Financial Results for the year ended 2014

Credit Risk by line of business - 90+ DPD fully covered by provisions & tangible collateral Corporate SMEs Housing Consumer RRD Cyprus 13% 8% 18% 7% 54% 100% 21,2 Gross loans (€ bn) 11,4 2,7 1,7 3,8 1,5 83,0% 90+DPD loans 53,9% 18,3% 26,8% 27,9% 15,6% by segment Loan Loss Reserve (LLR) 44,7% 51,0% 26,4% 20,9% 38,4% 37,8% coverage 82,6% 82,6% 83,2% Tangible coverage 46,1% 76,2% 76,0% Total 127,3% 108,9% 104,2% 97,2% 114,6% 113,8% coverage Significant provision and collateral coverage, with additional comfort from personal guarantees XX % of total gross loans (Cyprus only) Bank of Cyprus KOINO ΚΥΠΡΙ 54

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