Investor Presentaiton

Group Financial Results for the six months ended 30 June 2021 De-risking: Clear path to reduce NPE ratio to single digit by 2022 Continue to work towards further accelerating NPE reduction through additional NPE sales NPE ratio 62.9% € bn 15.0 (4.3) I' (9.1) Dec 2014 Coverage 34% COR (bps) 365 Bank of Cyprus Holdings NPE Sales Net Organic Reduction 14.6% 1.6 <10% c.5% Jun 2021 NPE sales & Net Organic reduction Dec 2022 Net Organic Reduction Medium- term target 60% 61 >50% c.70-80 10

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