1. International Banking Through Cyprus Dimitris Zisimidis Manager, Limassol International Banking Unit Piraeus Bank (Cyprus) Ltd Vilnius June 12, 2012

2. The Cyprus Financial Sector CYPRUS GOVERNMENT CENTRAL BANK BAR ASSOCIATION & ICPAC Legislation Robust Regulation Oversight Experience Education Extensive Networks SERVICES PROVIDERS (accountants & lawyers) CYPRUS BANKING SYSTEM Tax Advantages Confidentiality Infrastructure Expertise Extensive Network Knowledge CUSTOMER

3.  International Standards Why Banking in Cyprus  Experienced employees  Worldwide network  Highly Regulated Banks  Banks’ Offerings  Legal, accounting and banking systems based mainly on English practices  International Financial Reporting Standards (IFRS) since 1982  Highly qualified managerial, clerical and technical staff  Wide network of correspondent accounts  Excellent relations with European countries, Russia, Ukraine, countries of the Middle East and the Gulf, India.  The regulator, Central Bank of Cyprus is part of the Eurosystem  Robust internal procedures at banks  Strict Anti Money Laundering Standards  Whole spectrum of Financial Services (one stop shopping)  Ability to open accounts in all major currencies  Confidentiality & Anonymity

4. …in a banking system weathering the crisis we had …  Controlled loan/deposits  Increase in Foreign Resident deposits

5. … deposit balances… Bn euroDec ‘08 Dec ‘09Dec ‘10 Dec ‘11 Feb ’12 April ‘12 EUR – Resident Deposits3234363736 EUR – Non Resident Deposits 681112 13 FC– Resident Deposits779777 FC – Non Resident Deposits 11913 1415 Total Deposits565869 7071 Loan/Deposits Ratio98%100%88%99% 96%

6. …steadily growing… Banking system deposits & loans

7. How banking works with Piraeus Bank… ACCOUNT OPENING Clients/Partners Relationship Manager - Single point of reference -One stop shop service ACCOUNT OPERATION SERVICING CUSTOMER NEEDS MARKETING LIAISON WITH: -Wealth Management -Treasury -Custody -Card Services -Trade Finance LIAISON WITH: -Wealth Management -Treasury -Custody -Card Services -Trade Finance LENDING IDENTIFICATION OF CUSTOMER NEEDS

8. ACCOUNT OPENING / CUSTOMER SERVICE Specialization & Professionalism Assigned Customer Service Team Experienced Staff with Multilingual skills Accuracy & speed Visiting you at your own premises Confidentiality & Anonymity ACCOUNT OPENING / CUSTOMER SERVICE Specialization & Professionalism Assigned Customer Service Team Experienced Staff with Multilingual skills Accuracy & speed Visiting you at your own premises Confidentiality & Anonymity ACCOUNT OPERATION Advanced platform for: internet banking (trilingual) Mobile Banking Telephone Banking Extended working hours (7:30 – 18:00) Extended Cut – Off Times 24/7 Call Service Payments in over 42 currencies (same–day value) ACCOUNT OPERATION Advanced platform for: internet banking (trilingual) Mobile Banking Telephone Banking Extended working hours (7:30 – 18:00) Extended Cut – Off Times 24/7 Call Service Payments in over 42 currencies (same–day value) SERVICING CUSTOMERS’ NEEDS & WANTS Universal Bank Cash Management Solutions In-house Lending Team In–house Compliance Officer In–house Business Development Manager Internal Lawyers for Escrow Services Competitive Pricing with no hidden costs SERVICING CUSTOMERS’ NEEDS & WANTS Universal Bank Cash Management Solutions In-house Lending Team In–house Compliance Officer In–house Business Development Manager Internal Lawyers for Escrow Services Competitive Pricing with no hidden costs … and how Piraeus Bank supports you

9. 99 e-Channels operation Piraeus Bank Cyprus Ltd --------------------------------------------------------------------------------------- Phone Banking Smartphone BankingTablet Banking Internet Banking Mobile Banking

10. …building a relationship of trust to grow…

11. ANY QUESTIONS?