Investor Presentaiton

Clear strategy for residual NPES Group NPES (€ bn) 2.37 Re-performing 1 0.27 NPES Retail 1.45 SME 0.31 Corporate 0.34 Re-performing NPES1: €0.27 bn² . Group Financial Results for the nine months ended 30 September 2020 Close monitoring of redefaults & quality of restructurings ~€240 mn re-performing NPEs¹ applied to moratorium, extending exit date (by 9 months)³ Core NPES: €2.10 bn² • €2.10 bn . • 30 Sep 2020 pro forma for Helix 22 In pipeline to exit NPEs subject to meet all exit criteria; the analysis is performed on a customer basis (formerly called Non-core NPEs) Calculations on a pro forma basis assume completion of the transaction 1) 2) 3) Subject to continuing meeting all exit criteria Bank of Cyprus Holdings Sale of €864 mn (as at 30 September 2020) mainly Retail and SME secured NPES (Helix 2) expected to be completed in 1H2021 Following COVID-19 outbreak, focus on arresting potential asset quality deterioration and early managing of arrears Continue to seek organic solutions, including realisation of collateral via consensual and non consensual foreclosures Remain committed to assess the potential to accelerate the decrease in NPEs through additional NPE sales 23

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