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Bank of Cyprus Credit Ratings and Financial Position

Gross loans and NPE coverage by Customer Type Gross loans by customer type (€ mn) 10,856 10,913 10,217 1,240 1,215 947 10,278 974 Retail other 3,741 3,788 3,542 3,559 Retail Housing 1,198 1,161 SMEs 1,119 648 754 685 1,096 668 International corporate Corporate and Large Corporate 4,029 3,995 3,924 3,981 Dec 21 Sep 22 Dec 22 Mar 23 Corporate Dec Sep Dec Mar 2021 2022 2022 2023 SME Dec Sep Dec Mar 2021 2022 2022 2023 Retail Dec Sep Dec Mar 2021 2022 2022 2023 NPE ratio 19.1% 15.9% 5.4% 5.0% NPE ratio 6.0% 3.0% 2.4% 2.3% NPE ratio 9.4% 7.0% 5.3% 5.0% NPE 80% 110% 130% 121% NPE 63% 65% 68% 67% NPE coverage coverage coverage ➤ Retail 46% 42% 39% 48% NPE total coverage 122% 176% 198% 190% NPE total 136% 140% 148% 151% Housing coverage Retail 62% 62% 49% 59% Other NPE total 130% 125% 130% 141% coverage 57

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