Investor Presentaiton

Private individuals loan portfolio, highly collateralised Private Individuals: €4.04 bn Other 17% • Low LTV1 housing portfolio 83% Housing Payment deferrals: €2.09 bn 1) Group Financial Results for the nine months ended 30 September 2020 • Housing performing loans: €3.34 bn • 65% of portfolio with LTV1<60% Only 15% of portfolio with LTV1>80% Other: €0.70 bn 62% secured portfolio • • of which 59% with property of which 41% with other type of collateral LTV1 Housing €3.34 bn Other €0.70 bn Other 7% 31% with 21 payment by 31 October 2020 < 60% 65% 30% Personal 8% 60%-80% 20% 5% 80-100% 7% 6% 85% Housing >100% 8% 59% Loan to Value (LTV) is calculated as the Gross IFRS Balance to the indexed market value of the property. Under Pillar 3 disclosure, LTV is calculated as the Gross IFRS Balance to the indexed market value of collateral. Collateral takes into consideration the mortgage amount registered in the land registry plus legal interest from registration date to the reference date Bank of Cyprus Holdings 55

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