Investor Presentaiton

• Recurring fees from insurance business EuroLife KOINO ΕΚΤΗΡΙ 237 Leading life insurer in Cyprus 24% market share² (Life & Health regular) Gross Written Premiums (GWP) up 4% yoy Product Mix by premium Unit-linked General Insurance of Cyprus Leading non-life insurer in Cyprus • 17.7% market share² (excl. motor) GWP down 1% yoy Product Mix by premium 18% Accident &Health 21% 61% Traditional Life GWP evolution (€ mn) +5% +4% 57 59 62 6% 13% 52% 29% Property Motor Liability Other GWP evolution (€ mn) +4% -1% 26 27 26 1H2018 1H2019 1H2020 1H2018 1H2019 1H2020 Eurolife 1H2020 GIC key metrics key metrics GWP (€ mn) 62 GWP (€ mn) GWP Investments & Pensions 6 PAT (€ mn) (€ mn) PAT (€ mn) AUM¹ (€ mn) 9 447 (1) Assets under management (2) Data based on statistics published on IAC website as at 31 December 2019 Bank of Cyprus Holdings Group Financial Results for the six months ended 30 June 2020 • Comprehensive insurance business package providing coverage for all financial needs Stable contributor to the Bank's profitability Well positioned for growth over medium term Group Insurance income net of claims (€ mn) 25 30 29 1Q2018 1H2019 1H2020 1H2020 26 26 Contribution to BOCH Non interest income 6 % of total 1H2020 24% 29

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