Investor Presentaiton

Bank of Cyprus Holdings Trade 45% 31% 31% 31% 49% 2.04 1.85 1.36 1.38 1.31 99.0 Trade Manufacturing NPE ratio by economic activity 53% 52% 27% 27% 26% 32% 28% % of total 11% 0.64 0.47 0.46 0.45 Gross loans by economic activity (€ bn) 1.39 1.27 1.08 1.10 1.13 Hotels & Restaurant Construction 34% 76% 68% 33% 31% 33% 53% 23% 22% 21% Analysis of gross loans and NPE ratio by Economic activity 3% 9% 7% 10% 2.34 1.95 0.85 0.83 0.82 1.61 1.29 1.28 3.20 1.28 Real Estate ■31.12.17 Private Individuals ■31.12.18 ■31.12.19 Manufacturing Hotels and Catering Construction Real estate Private individuals Professional and Other sectors other services 45% 43% 37% 36% 34% 52% 46% 31% 32% 31% 6.77 31.12.17 ■31.12.18 ■31.12.19 31.03.20 30.06.20 47% 6.47 6.02 6.01 5.89 1.31 1.20 1.00 0.89 0.86 Professional and other services ■ 31.03.20 Other sectors ■30.06.20 34% 51% 17% 15% 14% 57 1.04 0.91 0.75 0.76 0.75 7% 6% Group Financial Results for the six months ended 30 June 2020

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