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Group Financial Results

Group Financial Results for the year ended 31 December 2020 €109 mn organic NPE outflows in 4Q2020, leading to €85 mn organic NPE reduction Net organic outflows (€ mn) -142 Inflows (€ mn) New inflows Redefaults Unlikely to pay Outflows (mn) 16 9 34 -137 -208 8 6 651 00000000000 1Q2020 2Q2020 3Q2020 -85 • 24 . 22 4Q2020 Curing of restructuring -59 -42 -40 -23. DFAS & DFES -5 E-17: -20: -82 -71 -84 Write-offs Other/ -23 -150 -158 -133 -214 -499 Helix 2 Portfolio B Sales of NPES 1) Other includes interest, cash collections and changes in balances Bank of Cyprus Holdings -608 -886 Helix 2 Portfolio A SPA Signed -1,164 SPA Signed • • €22 mn marked as UTP in 4Q2020, arising from the completion of campaign review of the loans under payment deferrals until Dec 2020 Organic NPE reduction of €0.6 bn for FY2020 Additionally there were €67 mn NPE reduction relating to NPE sales lockbox (3Q2020: €22 mn) NPE sales reduce NPEs further by €1.5 bn 33
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