Investor Presentaiton

Group Financial Results for the six months ended 30 June 2021 Strong performance of moratorium portfolio continues, 8 months after deferral expiry Performing loans¹ under expired payment deferrals of €4.94 bn 96% of performing loans¹ under expired payment deferrals² with no arrears € bn Performing loans¹ 4.94 with instalments due by 12 Aug 2021 4.75 Performing loans¹ with instalments due after 12 Aug 2021 > 0.14 0.05 0.19 2H2021 Post 2021 30 Jun 2021 4% 10% 96% no arrears €4.75 bn 86% Resumed payments as per original schedule Restructured In arrears Customer performance better than expected, nearly 8 months after deferral expiry 96% of performing loans¹ under payment deferrals that expired on 31 Dec 2020, had instalments due by 12 Aug 2021: • 96% (€4.57 bn) present no arrears, of which €0.50 bn have been restructured Just 4% (€0.18 bn) in arrears of which c.95% in early arrears (<30 dpd) Restructurings: . • Strong track record in dealing with restructurings Targeted restructuring solutions to alleviate pandemic-related short-term cash flow burden, following rigorous assessment of repayment ability Mostly in the tourism sector Arrears: • In close contact with customers with early arrears to offer solutions as necessary 1) As at 30 June 2021 2) With instalment due by 12 August 2021 Bank of Cyprus Holdings 60

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