Investor Presentaiton

Positive Organic Performance in 1Q2021 Positive Organic Performance in 1Q2021 2 14 -23 1Q2020 4Q2020 1Q2021 Group Financial Results for quarter ended 31 March 2021 Net Interest Income down 5% qoq Net Fee and Commission broadly flat qoq 85 80 60 -5% 76 1Q2020 4Q2020 1Q2021 Non Interest Income down 2% qoq -2% Total Operating Expenses ¹ down 9% qoq 58% 64% 60% 60 62 29 60 91 84 82 41 35 32 1Q2020 4Q2020 1Q2021 1) 2) Excluding Special Levy and contributions to SRF and DGF Impairments of financial and non-financial assets Bank of Cyprus Holdings +1% 38 38 39 1Q2020 4Q2020 1Q2021 Provisions and Impairments down 34% qoq 70 4 2 -34% 40 26 64 5 49 50 50 31 50 20 1Q2020 4Q2020 1Q2021 1Q2020 4Q2020 1Q2021 Operating expenses Staff costs Cost to Income ratio¹ Provisions for litigations and other Impairments² 2 Loan credit losses 12

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