Market Leader with Potential for Further Penetration

Universal Offering to Our Customers Retail & Wealth c.32% Retail Wealth International International1 C.20% Non-Banking c.14% KOINO ΚΥΠΡΙ WN Insurance · Insurance 9% Payment Services • Payment Services 5% • Treasury Corporate & SME c.28% Corporate SME JINIUS Upside expected. Treasury & Markets c.6% Uniquely positioned to serve customers across the life cycle by operating across all elements of the ecosystem Note: % are contribution to Group Core FY2022 revenues, excluding REMU and RRD 1) International corporate and International banking services 16

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