Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 Positive Performance before exceptional items in 4Q2020 Positive Organic Performance in 4Q2020 Net Interest Income down 2% qoq Net Fee and Commission up 8% qoq 2 1 36 -16 3Q2020 4Q2020 FY2019 FY2020 Non Interest Income up 11% qoq 307 237 82 80 00 344 330 3Q2020 4Q2020 FY2019 FY2020 Total Operating Expenses¹ up 7% qoq 62% 64% 59% 60% 385 91 340- -12% 84 165 35 41 145 +8% 35 38 150 144 3Q2020 4Q2020 FY2019 FY2020 Provisions and Impairments up 6% qoq 198 178 10 42 22 +11% 55 62 40 38 7 3 146 149 220 49 50 195 31 31 3Q2020 4Q2020 FY2019 FY2020 3Q2020 4Q2020 FY2019 FY2020 3Q2020 4Q2020 FY2019 FY2020 Operating expenses Staff costs Impairments² 2 Cost to Income ratio¹ Provisions for litigations and other Loan credit losses 1) 2) Excluding Special Levy and contributions to SRF and DGF Impairments of financial and non-financial assets Bank of Cyprus Holdings 16

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