Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 Key highlights Continue to deliver on strategic priorities, while supporting customers, colleagues and communities through COVID-19 ་- 1 Continue to support the recovery of the Cypriot economy via prudent new lending 2 3 Bank of Cyprus Holdings Improvement of asset quality Arrest asset quality deterioration after the end of the moratorium, monitor and manage early arrears • Continue the NPE reduction via organic and non organic solutions Further improvement of operating efficiency supported by on-going digital transformation 39

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