Investor Presentaiton

Deposits at €16.5 bn broadly flat qoq € bn 16.84 16.69 16.30 16.38 16.53 Deposits 16.53 IBU 1 3.18 Corporate 1.96 Retail 10.54 SME Dec 18 Dec 19 Jun 20 Sep 20 Dec 20 0.85 Dec 20 Significant surplus liquidity of €4.2 bn Group Financial Results for the year ended 31 December 2020 Cyprus deposits by passport origin³ 3% 3% 6% 19% 69% Cyprus Other EU Russia Other countries Other European countries, excl. Russia Minimum Liquidity ratio 30 Dec 2020 Surplus required Strong deposit market share of 35% as at 31 Dec 2020 LCR (Group) 100% 254% €4,213 mn • Flexibility to operate below 100% LCR limit at least until end 2021 NSFR2 100% 139% €4,751 mn Servicing exclusively international activity companies registered in Cyprus and abroad and not residents The NSFR has not yet been introduced. The NSFR is calculated as the amount of "available stable funding" (ASF) relative to the amount of "required stable funding" (RSF), on the basis of Basel III standards. Its calculation is a SREP requirement. The EBA NSFR will be enforced as a regulatory ratio under CRR II in June 2021 1) 2) 3) Origin is defined as the country of passport by the Ultimate Beneficiary Owner Bank of Cyprus Holdings 29

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