Investor Presentaiton

Encouraging trends as payment deferrals end Expired Payment Deferrals: payment behaviour € bn 5.9 1 Overdrafts 0.4- Instalment due by 15 Feb-21 3.6 1.9 15-Feb-21 95% of expired payment deferrals with instalment due by 15 Feb 2021, resumed payments • 0.9 0.7 0.3 • 15 Feb-21- 2Q2021 2H2021 31 Mar-21 Total gross loans portfolio (€12.3 bn in Dec-20) Delinquency buckets show resilience 0 arrears 74.6% 79.6% 79.4% 79.6% 1.1% 0.1% 1-30 days 1 0.3% 0.6% 0.9% 0.1% 31-90 days 0.2% 0.2% 23.4% 20.2% over 90 days 20.1% 19.6% Bank of Cyprus Holdings Dec 2019 2 Dec 2020² Jan 20212 12 Feb 2021 72 1) 2) Group Financial Results for the year ended 31 December 2020 Cautiously optimistic based on customer behaviour by 15 Feb 2021 €5.9 bn of loans under 2020 moratorium which expired on 31 Dec 2020: • €3.6 bn had an instalment due by 15 Feb 2021; 95% resumed payments • €0.7 bn have an instalment due between 15 Feb 2021 and end of Mar 2021 Careful monitoring of arrears in 2021 In close contact with customers with early arrears to offer solutions as necessary Second moratorium launched in Jan 2021 for customers impacted by second lockdown Application period expired on 31 Jan 2021; applications received for €27 m n gross loans; c.€17 mn approved to date • Payment deferrals up to Jun 2021 • Total months under moratorium, when including 2020 moratorium, cannot exceed 9 months Overdrafts and current accounts have no instalment due Arrears as at 31 Dec 2020, 31 Jan 2021 and 12 Feb 2021 are calculated based on the new regulation on Definition of Default implemented as of 1 Jan 2021, affecting NPE exposures and the calculation of Days-Past-Due 11

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