Deleveraging and Financial Overview

Consolidated Balance Sheet € mn % 31.12.14 31.12.13 € mn % 31.12.14 31.12.13 change change Cash and balances with Amounts due to banks -18% 162 196 -8% 1.139 1.240 Central Banks Funding from Central Banks -24% 8.284 10.956 Placements with banks +28% 1.647 1.290 Repurchase agreements -2% 580 594 Debt securities, treasury bills Customer deposits -16% 12.624 14.971 -26% 2.541 3.433 and equity investments Debt securities in issue 1 2 Net loans and advances to -17% 18.168 21.764 Other liabilities +17% 1.043 888 customers Subordinated loan stock Other assets -10% 2.351 2.622 5 Non current assets and disposal groups classified as 943 Non current liabilities and disposal groups classified as held for sale 614 held for sale Total liabilities -16% 23.308 27.612 Total assets -12% 26.789 30.349 Share capital -81% 892 4.743 Note: As from the fourth quarter of 2014, the Group's operations in Russia are treated as a disposal group held for sale and results have been presented accordingly as discontinued operations in accordance with IFRSS. Capital reduction reserve and share premium 2.505 Revaluation and other reserves +103% 147 72 Accumulated losses (79) (2.152) Shareholders' equity +30% 3.465 2.663 Non controlling interests -79% 16 74 Total equity +27% 3.481 2.737 Total liabilities and equity -12% 26.789 30.349 Bank of Cyprus KOINO WKYNРIW 2235 34

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