Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2020 Business portfolio well diversified, with high quality collateral Business gross loans (excluding Legacy)¹ Breakdown, by Covid-19 impact Payment deferrals • 13% with 21 payment by 31 October 2020 €5.08 bn €3.84 bn ⚫ High Impact: (21%) 21% Tourism (Hotels & Catering) • • Medium Impact: (26%) Trade • Manufacturing Moderate Impact: (28%) 26% 26% 20% Construction 28% 29% • Transportation and storage • Low: (25%) • Real Estate 25% 25% • Education • Health High quality origination via prudent underwriting standards Strong assessment of repayment capability . • Strict origination standards Effective foreclosure law in place, following the amendments in recent years • 99% of new exposures 2 since 2016 were performing at the start of the moratorium • 90% of portfolio secured • . of which 80% with property • of which 20% other type of collateral Low LTV3 business portfolio; 73% of the portfolio with LTV³<80% LTV3 High Medium < 80% 94% 59% Moderate 68% Low Total 77% 73% >80% 6% 41% 32% 23% 27% Total 100% 100% 100% 100% 100% 1) 2) Gross loans as at 30 September 2020 of Corporate (incl. IB and W&M and Global Corporate), SME, Retail and H/O Facilities/limits approved in the reporting period 3) Loan to Value (LTV) is calculated as the Gross IFRS Balance to the indexed market value of the property. Under Pillar 3 disclosures LTV is calculated as the Gross IFRS Balance to the indexed market value of collateral. Collateral takes into consideration the mortgage amount registered in the land registry plus legal interest from registration date to the reference date Bank of Cyprus Holdings 56

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