Banking Services

• Bank of Cyprus Public Company Limited (Cyprus-Greece-Romania)
• CB Uniastrum Bank LLC (80,0% participation) (Russia)
• Bank of Cyprus UK Ltd
• PJSB "Bank of Cyprus" (99,7% participation) (Ukraine)
• Bank of Cyprus (Channel Islands) Ltd (Guernsey)

Hire Purchase and Leasing Services

• Kyprou Leasing SA (Greece)
• Kyprou Commercial SA (Greece)
• Cyprus Leasing Romania IFN SA (Romania)
• Uniastrum Leasing LLC (80,0% participation) (Russia)

Investment Banking and Investment Funds

• The Cyprus Investment and Securities Corporation Ltd (CISCO) (Cyprus)
• Kyprou Securities SA (Greece)
• BOC Ventures Ltd (Cyprus)
• Tefkros Investments Ltd (Cyprus)
• Tefkros Investments (CI) Ltd (Guernsey)

Asset Management

• Kyprou Mutual Funds Management Company (AEDAK) (Greece)
• Cytrustees Investment Public Company Ltd (49,9% participation) (Cyprus)

Insurance Services

• General Insurance of Cyprus Ltd (Cyprus-Greece)
• EuroLife Ltd (Cyprus-Greece)

Property and Hotel Services

• Kermia Ltd (Cyprus)
• Kermia Hotels Ltd (Cyprus)
• Kermia Properties and Investments Ltd (Cyprus)
• Kyprou Properties SA (Greece)
• S.C. ONT. Carpati S.A.

Credit Card Processing and provision of credit card facilities

• JCC Payment Systems Ltd (45% participation) (Cyprus)

Notes:

1. In addition to the companies on the chart above, the Group also has a number of subsidiaries which are intermediate holding companies, financing companies or property companies.  Details of these companies are provided in the relevant note of the financial statements of the Group.

2.The above include both direct and indirect holdings.  All the companies are 100% owned, except where otherwise stated.