Investor Presentaiton

Usage of digital channels sustained post lockdown Channel Usage (% of volume of transactions) since COVID-19 outbreak Group Financial Results for the six months ended 30 June 2020 Lockdown period Gradual relaxation of measures Online Banking 35% 38% 38% 40% 45% 48% ATM 34% 35% 37% 37% 32% 30% Digital Transformation Programme • Digital Transformation Programme that started in 2017 beginning to clearly deliver an improved customer experience Customers' reorientation towards digital channels: • Increase in active digital users by 18% since Jun 2019 • 72% of customers currently digitally engaged¹(vs 66% in 1H2019) Awarded Best Consumer Digital Bank in Cyprus for 2019 by Global Finance Branch 31% 22% 23% 25% 25% 25% Mar 2020 Apr 2020 1-7 May 2020 8-31 May 2020 Jun 2020 Jul 2020 (1) This is the ratio of digitally engaged individual customers to the total number of individual customers. Digitally engaged customers are the individuals who use the digital channels of the Bank (mobile banking app, browser and ATMs) to perform banking transactions, as well as digital enablers such as a bank-issued card to perform online card purchases Bank of Cyprus Holdings 18

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