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Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2021 Organizational resilience & ESG agenda: ESG Performance Environmental 昌 1,544k kWh of energy savings in 9M2021 €228k investment in energy-saving in 9M2021 278k kg paper recycled in 9M2021 Introduction of environmentally friendly loan products People >3,500 employees * >34 ths hours of training conducted in 9M2021 Certificate by the Ministry of Labour, Welfare and Social Insurance for applying good practices for gender equality in the working environment Social >16 ths cancer patients received treatment and other services at the Bank of Cyprus Oncology Centre for 9M2021 c. €70 m n cumulative investment for the Bank of Cyprus Oncology Centre >30 entrepreneurs educated in 9M2021 via IDEA innovation centre, a non-profit organization, established in 2015, acting as incubator accelerator for start-ups (>5,700 since establishment) Responsible services יון €1.3 bn new lending for 9M2021 88% of total transactions in Jan-Oct 2021 are through digital channels 78% of customers are digitally engaged as at 30 Oct 2021 Governance 30% of the board of directors are female as at 30 Sep 2021 37% of the key positions below extended EXCO are female 36 internal audits finalised in 9M2021 2,616 customer relationships terminated/suspended for compliance reasons in 9M2021 SupportCy1 Network Initiative >€650k total contribution to the Society by all members (monetary, products and services) since March 2020 MSCI ESG Ratings MSCI ESG Ratings² Scale: AAA to CCC ESG RATINGS A Rating action date: Jun 2020 CCC B BB BBB A AA AAA A SupportCY is a network of 130 companies and NGOs, initiated by Bank of Cyprus, during March 2020, with the aim to support the public services performing frontline duties during the Pandemic and the Society, in general 1) 2) Please refer to slide 69 in the definitions Bank of Cyprus Holdings 13
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