Group Financial Results H1 2016

Growing Non-interest Income Analysis of Non Interest Income (€ mn) – Quarterly ■Net fee and commission income ■Insurance income net of insurance claims Other 1 % Net fee and commission income % Total income 16% 14% 14% 15% 15% 16% 59 63 47 49 55 46 9 14 11 I 54! I 54 I 16 9 1 45 12 II 48 50 49 1 mn) 43 36 -7 1Q2015 2Q2015 36 38 36 -2 3Q2015 4Q2015 1Q2016 Fee & commission income by business line ■International Banking Services ■Consumer ■SME 7% Corporate 6% RRD Wealth and Management Other 2% 10% 9% 31% 38 2Q2016 X Non interest income (€ X Recurring non-interest income (€ mn) Payment Transactions are increasing Average Number of Payment Transactions per month (thousands) ■Incoming Payment Orders Outgoing Payment Orders 53 One third of IBS 41 35% fee & commission income is driven by Payment Transactions 35 33 35 29 30 26 20 21 2013 pre-Bail- 2013 - post-Bail- in 2014 2015 2016 ytd in (1) Comprising (a) Net FX gains/(losses) & Net gains/(losses) on other financial instruments, (b) Losses from revaluation and disposal of investment properties and (c) other income. Bank of Cyprus KOINO KYMPI 19

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