Investor Presentaiton

NPE sales of €4.7 bn since 2018 Group Financial Results for the nine months ended 30 September 2021 Helix 1 ✓ Completed Velocity 1 ✓ Completed Velocity 2 ✓ Completed Helix 2 ✓ Completed Helix 3 ✓ SPA signed Sale of €2.7 bn NPES • Mainly secured large Corporate and SME NPES ⚫c.60 bps capital accretive • Completed in 2Q2019 Sale of €34 mn NPES •Retail unsecured NPES ⚫Capital neutral •Completed in 2Q2019 1) 2) With reference date 30 June 2021 Assumes legal completion Bank of Cyprus Holdings Sale of €133 m n NPES • • Retail unsecured NPES Capital neutral Completed in 2Q2020 Sale of €1.3 bn NPES •Mainly secured Retail and SME NPES ⚫-48 bps capital impact in by completion +64 bps capital impact upon full payment of deferred consideration1 •Completed in 2Q2021 Sale of €0.6 bn NPEs² Mainly Retail NPES •Sale of €120 mn REMU properties² ⚫67 bps capital accretive by completion •Completion expected in 1H2022 80

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