Investor Presentaiton

NPE Coverage and Total coverage by segment Coverage and collateral maintained post Helix 23 Group Financial Results for quarter ended 31 March 2021 Tangible Collateral¹ Allowance for expected loan credit losses Corporate €283 mn Global Corporate: €106 mn SME €160 mn Retail-Housing €681 mn Retail-Other €471 mn Total €1,701 mn 167% 167% 167% 140% 140% 137% 131% 131% 131% 131% 128% 127% 127% 128% 123% 86% 87% :87%: 109% 109% 100% 52% 52% 46% 68% 68% 85% 84% 58% 57% 69% :85% 56% 69% 69% 69% 81% 80% 80% 69% 70% 67% 62% 62% 63% 63% 59% 59% 55% 56% 57% 57% 52% 54% 2 Dec 20 Mar 21 Mar 21 pro forma 3 Dec 20² Mar 21 Mar 21 pro Dec 202 Mar 21 forma 3 Mar 21 pro forma 3 Dec 202 Mar 21 Mar 21 pro 3 forma Dec 202 Mar 21 Mar 21 pro forma 3 Dec 20² Mar 21 Mar 21 pro forma 3 1) Restricted to Gross IFRS balance 2) 3) Following a reorganisation of the RRD portfolio and mainly of the terminated exposures, certain gross loans were reclassified between the business lines, resulting an increase of €92 mn in the Retail line and a reduction of €32 mn and €60 mn of the SME and Corporate line respectively. In addition, certain NPEs were reclassified between the business lines, resulting an increase of €84 mn in the Retail line and a reduction of €24 mn and €60 mn of the SME and Corporate line respectively. Calculations on a pro forma basis assume legal completion of both Helix 2 Portfolio A and Helix 2 Portfolio B Bank of Cyprus Holdings 47

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