Investor Presentaiton

Reduction in Overseas Non-Core Exposures Overseas non-core exposures (€ mn) 312 31 240 79 11 23 9 35 183 174 19 7 16 25 23 6220 152 12 10 21 193 164 139 135 128 121 Dec 17 Greece Serbia Bank of Cyprus Holdings Dec 18 Dec 19 Romania Russia UK Jun 20 Sep 20 Dec 20 Group Financial Results for the year ended 31 December 2020 ⚫ The Group continues its efforts for further deleveraging and disposal of non-essential assets and operations in Greece, Romania and Russia In addition as at 31 Dec 2020, there were €270 mn of overseas exposures in Greece (€270 mn at 30 September 2020) not identified as non-core exposures 72

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