Investor Presentaiton

Additional governmental measures to enhance liquidity Group Financial Results for the six months ended 30 June 2020 • 3. Pan-European Guarantee Fund Liquidity support to businesses that employ up to 3,000 employees, through the Pan-European Guarantee Fund of EIB Group for an amount up to €300 mn- €400 mn¹ • Fund guarantee to the banks of up to 80%¹ • The Fund will become operational once the Member States of EU accounting for at least 60% of the total EIB capital (€25 bn) have signed their contribution agreements 4. Financing of SMEs through CYPEF2 Liquidity support of up €800 mn to SMEs via 50%-50% risk sharing between the Government and the participating banks Eligible businesses are SMEs with up to 250 employees • Loan amount should not exceed €1.5 mn and duration of loan should not exceed 12 years • Low Interest rates will vary subject to the risk profile of client: o 2.55%-3.85% for low risk clients 。 3.375%-4.5% for high risk clients 5.Government Guarantee to EIB • Plan already in place since 2014 Injection for an additional funding of €500 mn Businesses with up to 3,000 employees, registered and operating in Cyprus are eligible Reduction of interest rates by at least 0.5% due to EIB participation Additional 0.5% reduction in interest rate for businesses in compliance with "jobs for youth" criteria Loan duration of up to 12 years 1) In accordance with the press release of Ministry of Finance dated 28 May 2020 2) The Cyprus Enterprise Fund Bank of Cyprus Holdings 47

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