Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2021 Leverage leading Digital Capabilities to serve customers and the economy Vision Digital Transactions ratio¹ Oct 20192 Oct 20202 Oct 2021 . Leverage technology to sustain a competitive advantage through digital banking Serve customer needs anywhere and at any time, through an agile technology ecosystem Be the driver of digital economy, in support of national efforts for structural economic reform Creating shareholder value Improving operational efficiency through: • further automation • further branch rationalisation Opportunities to cross-sell through: • modelling customers' needs and behaviours ⚫ offering tailored products and services 1) 2) Please refer to slide 68 for the definitions Comparative figures have been revised in order to include data for the transactions of "Payroll & Group Transfers" through 1Bank. Bank of Cyprus Holdings 75.9% 84.4% 88.0% Digitally Engaged Customers1 Oct 20192 Oct 20202 Oct 2021 68.4% 74.0% 78.1% Average mobile logins per month ☐ Oct 2019 Oct 2020 15.2x Oct 2021 16.9x 18.8x Active users of Internet and/or Mobile Banking Oct 2019 246K Oct 2020 Oct 2021 285k 326k 12

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