Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 ESTIA- Government scheme for the resolution of NPEs backed by primary residence Estia eligible¹ €801 mn ΕΣΤΙΑ € mn Non applicants Applicants 471 330 • Clear definition of socially protected borrowers Resolution part of ESTIA- eligible¹ portfolio Identification of non-viable (vulnerable) customers Facilitates resolution of remaining customers mainly through consensual and non consensual foreclosures Application period ended 31 July 2020 Participants: €61 mn³ Restructured loans will exit NPE definition in accordance with the NPE exit criteria² Non viable: €45 mn³ 224 45 45 • Government solution under consideration Other: €695 mn³ 61 . • • Covered by 60% by allowance for expected loan credit losses Enforcement measures initiated for non Estia applicants Incomplete/Under review Non viable Participants • Coverage: 60% (1) ESTIA-eligible portfolio refers to the potentially eligible portfolio based on the Bank's available data (2) Please refer to slide 78 for the NPE forborne exit criteria (3) Data available as at 24 August 2020 Bank of Cyprus Holdings Focus on realizing collateral via consensual and non-consensual foreclosures On-board assets in REMU at conservative c.25%-30% discount to open market value 51

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