Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 Continue to support customers through payment deferrals Payment deferrals granted to 25K customers affecting €6.00 bn gross loans Gross Loans € bn # customers approved under moratorium 30 Jun 2020 % of Gross loans % with 21 payment (excluding legacy) 1 • by 30 June 2020 2.09 53% 25% COVID-19 moratorium until the end of 2020, as per government measures • Application period ended 30 June 2020 Moratorium period of up to Dec 2020 to address seasonality of the Cypriot economy Capital plus interest; Interest continues to accrue Private Individuals 20,427 Businesses 4,627 3.91 76% 9% • Total 25,054 6.00 66% 15% • COVID-19 moratorium does not trigger automatic reclassification due to forbearance Businesses Individual assessment of businesses was initiated in May 2020, with an initial focus on high risk customers Largest 30 businesses under moratorium amount to €1.7 bn or nearly half of all business loans under moratorium; over 70% has been reviewed without triggering a change in UTP2 9% of businesses under moratorium paid at least 1 instalment, until 30 June 2020 Private Individuals . Individual assessments of private individuals under moratorium has also commenced with priority to individuals with low credit scoring and employed in high risk industries, such as tourism One quarter of private individuals under moratorium paid at least 1 instalment until 30 June 2020 Bank of Cyprus Holdings • Continue to monitor the creditworthiness of customers who applied for the loan moratorium (1) Gross loans as at 30 June 2020: Corporate (incl. IB and W&M and Global Corporate), SME, Retail, Insurance and H/O (2) Unlikely to pay criteria 12

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