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Investor Presentaiton

Solid near-term growth outlook • Growth momentum of recent years has recently slowed down from 3,9% in 2018 to 3,2% over H1- 2019, albeit remaining at above eurozone levels. The deceleration is attributed to a less favourable external environment affecting the European economy. • Growth is broad-based and derives from higher demand in the sectors of tourism, construction, business services and retail trade. The positive developments are partly attributed to the gains in price competitiveness recorded in recent years. The only sector recording negative growth rate is financial services due to its deleveraging. On the expenditure side, consumption has been the main driver attributed to higher employment level and disposable incomes. Additionally, mainly foreign-financed private investment has boosted growth with high value added projects in the tourism, energy and education sectors. Real GDP growth (% change) -1,3 2014 2,0 4,8 4,5 3,9 3,2 2,9 2,7 2,7 2016 2018 2020f GDP (Index, 2000=100) 250 200 150 100 50 Actual MoF forecast 2022f Cyprus Euro Area 0 2000 2002 2004 2006 2008 2010 2012 2014 2016 2018 Source: Cyprus Statistical Service, Ministry of Finance Note: "f" denotes forecasts by the Ministry of Finance, as of September 2019. All forecasts are based on assumptions and there can be no assurance they will be realised. 7
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