Investor Presentaiton

Group Financial Results for quarter ended 31 March 2021 Leverage leading Digital Capabilities to serve customers and the economy Vision Digital Transactions ratio1 . 1) 2) 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 Mar 2020 Mar 2021 78.5% 85.1% Digitally Engaged 2 Customers Mar 2020 Mar 2021 69.7% 75.4% 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 ☐ Average mobile logins per month Mar 2020 Mar 2021 15.4x 18.6x Active users of Internet and/or Mobile Banking Mar 2020 256k Mar 2021 299k This is the ratio of the number of digital transactions performed by individuals and legal entity customers to the total number of transactions. Transactions include deposits, withdrawals, internal and external transfers. Digital channels include mobile, browser and ATMs This is the ratio of digitally engaged individual customers to the total number of individual customers. Digitally engaged customers are the individuals who use the digital channels of the Bank (mobile banking app, browser and ATMs) to perform banking transactions, as well as digital enablers such as a bank-issued card to perform online card purchases Bank of Cyprus Holdings 18

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