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Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 Organizational resilience & ESG agenda: ESG Performance Environmental " 1.35 mn kWh of energy savings €0.6 m n investment in energy-saving 1,929 tones paper recycled People >3,500 employees >57 ths hours of training conducted 95% of employees received feedback during interim performance assessments Social 2,332 cancer patients treated at the Bank of Cyprus Oncology Centre €285k raised for the Cyprus Anti-Cancer Society c. €70 m n cumulative investment for the Bank of Cyprus Oncology Centre Responsible services ☑ O €5.9 bn loans (>25k customers) under payment holiday expired Governance 33% of the board of directors are female 48 internal audits finalised 3,813 customer relationships suspended for compliance reasons #SupportCy¹ Network Initiative €302k contributions to education c. €1.4 bn new lending for FY2020 84% of total transactions are through digital channels €116k contributions to health services €191k contributions to welfare 75% of customers are digitally engaged Data for the period 1 January 2020 to 31 December 2020 1) #SupportCY is a network of 93 companies and NGOs, initiated by Bank of Cyprus, during March 2020, with the aim to support the public services performing frontline duties during the Pandemic and the Society, in general Bank of Cyprus Holdings 38
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