ESG Strategy and Digital Transformation

Cypriot business Loan market share stable qoq post completion of Helix 2 ⚫Loans 45.4% 41.1% 41.9% 39.1% 37.1% Deposits Strong market shares in resident and non-resident deposits Residents Non-residents 38.3% 37.3% 38.8% 35.8% 35.4% 35.3% 35.2% 35.3% 34.9% 34.9% 36.0% 35.1% 35.0% 34.8% 34.8% 32.4% 33.0% 32.8% 31.5% Dec 17 Dec 18 Dec 19 Dec 20 Dec 17 Dec 18 Dec 19 Dec 20 Sep 21 Sep 21 Dec 21 Dec 21 Average contractual interest rates (bps) (Cy) Yield on Loans Cost of Deposits Customer spread Customer deposit rates (bps) (Cy) Time & Notice accounts Savings and Current accounts Cost of deposits 6 5 4 3 3 2 380 376 375 363 343 347 374 371 371 360 340 345 15 12 9 9 8 6 00 6 5 4 3 3 2 0 0 0 O 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 4Q2021 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 4Q2021 75 75

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