Group Financial Results

Deposits at €16.5 bn broadly flat qoq € bn 16.84 16.69 16.30 16.38 16.53 Deposits 16.53 IBU 1 3.18 Corporate 1.96 Retail 10.54 SME 0.85 Dec 18 Dec 19 Jun 20 Sep 20 Dec 20 Dec 20 Significant surplus liquidity of €4.2 bn Minimum Liquidity ratio 30 Dec 2020 Surplus required LCR (Group) 100% 254% €4,213 mn NSFR2 100% 139% €4,751 mn Group Financial Results for the year ended 31 December 2020 Cyprus deposits by passport origin³ 3% 3% 6% 19% 69% Cyprus Other EU Russia Other countries Other European countries, excl. Russia Strong deposit market share of 35% as at 31 Dec 2020 Flexibility to operate below 100% LCR limit at least until end 2021 The Bank borrowed €1.7 bn from Mar 2021 TLTRO III operation with a potential NII benefit of up to €10.6 mn for the period Mar 2021 to Jun 20224 Servicing exclusively international activity companies registered in Cyprus and abroad and not residents The NSFR has not yet been introduced. The NSFR is calculated as the amount of "available stable funding" (ASF) relative to the amount of "required stable funding" (RSF), on the basis of Basel III standards. Its calculation is a SREP requirement. The EBA NSFR will be enforced as a regulatory ratio under CRR II in June 2021 1) 2) 3) Origin is defined as the country of passport by the Ultimate Beneficiary Owner 4) Based on current ECB rates and provided the lending thresholds set by ECB are met Bank of Cyprus Holdings 29

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