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Investor Presentaiton

Balance sheet composition Total assets € bn 21.37 21.52 Other assets 1.91 1.94 (including HFS) REMU properties 1.46 1.47 Legacy net loans 1.17 1.11 Non-legacy net loans³ 3 8.93 8.93 AIEA¹Mix 3Q2020 Group Financial Results for the nine months ended 30 September 2020 Total equity & liabilities € bn 21.37 21.52 Other 1.28 1.34 Equity 2.12 2.13 Wholesale 0.26 0.27 Funding from 1.00 1.00 Central Bank 0.41 0.40 Due to banks 2 Securities 2.00 2.03 0.53 Due from banks 0.62 Liquids 43% AIEA¹: €18.2 bn Non- legacy 49% net loans³ Cash and balances 5.28 5.51 with Central Banks 8% Legacy 30 Jun 2020 30 Sep 2020 net loans 1) AIEA: Average Interest earning assets. Please refer to slide 85 for the definition 2) Debt securities, treasury bills and equity investments 3) Net loans of Corporate (incl. IB and W&M and Global Corporate), SME, Retail, and H/O Bank of Cyprus Holdings Customer deposits 16.30 16.38 30 Jun 2020 30 Sep 2020 17
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