Investor Presentaiton

AS- BBB+ BBB BBB- BB+ BB BB- B+ B B- CCC+ CCC CCC- CC C+,C,C- Dec 14 Apr 15 Sep 15 Feb 16 Jun 16 Nov 16 Steadily improving credit ratings for BOC Moody's upgraded rating to Ba2 with positive outlook A3 Baa1 Baa2 Baa3 Ba1 Ba2 Ba3 B1 B2 B3 Caa1 Caa2 Caa3 Ca C Moodys long-term deposit rating Fitch upgraded rating to B+ with positive outlook Fitch Long-term Issuer Default Rating 13 Apr 17 Aug 17 Jan 18 81. սոՐ Nov 18 Apr 19 Sep 19 Feb 20 B+ Investment grade S&P upgraded rating to BB+; with stable outlook A- BBB+ BBB Investment grade BBB- BB+ Ba2 BB BB- B+ B B- CCC+ CCC CCC- CC C+,C,C- S&P Long-term Issuer Credit Rating 23 Oct 17 Dec 17 Mar 18 Jun 18 Aug 18 Nov 18 Feb 19 May Aug 19 Nov Nov 19 Feb 20 May 20 May 20 Aug 20 Aug 20 Nov 20 Feb 21 May 21 Aug 21 Nov 21 Bank of Cyprus LT KOINO KYNPI LT Cyprus Sovereign Credit rating Deposit Counterparty rating Risk Rating Outlook Senior Unsecured Debt Subordinate (Tier 2) MOODY'S Ba1 Ba2 Ba1 Positive B1 B2 S&P Global Ratings BBB N/A BB+ Stable BB- CCC Fitch Ratings BBB BB- N/A Positive N/A N/A 14 BB- Investment grade

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