Investor Presentaiton

1) Cypriot business Market shares¹ Loans 45.4% 41.1% 41.7% 37.5% 37.1% 36.0% 32.8% 35.1% 31.1% -Deposits Group Financial Results for the nine months ended 30 September 2020 Strong market shares in resident and non-resident deposits Residents Non-residents 41.5% 37.3% 38.3% 35.8% 35.8% 35.7% 34.9% 35.0% 35.0% 35.3% 34.9% 34.8% 35.0% 31.5% 29.5% Dec 16 Dec 17 Dec 18 Dec 19 Jun 20 Sep 20 Dec 16 Dec 17 Dec 18 Dec 19 Jun 20 Sep 20 Average contractual interest rates (bps) (Cy) Yield on Loans Cost of Deposits Customer spread 402 396 392 384 380 Customer deposit rates decline further (bps) (Cy) Time & Notice accounts Savings and Current accounts Cost of deposits 19 16 11 8 6 383 380 381 376 374 39 33 19 24 19 16 11 8 6 15 1 1 0 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 The market share on loans was affected as from 30 September 2018 following a decrease in total loans in the banking sector, mainly attributed to €6 bn non-performing loans of Cyprus Cooperative Bank (CyCB) which remained to SEDIPES (a legal entity without license to operate as a credit institution) as a result of the agreement between CyCB and Hellenic Bank Bank of Cyprus Holdings 75

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