Investor Presentaiton

Glossary & Definitions Group Financial Results for the nine months ended 30 September 2020 Total income Total income comprises net interest income and non-interest income (as defined). Total loan credit losses, impairments and provisions T2 Underlying basis Write offs yoy Total loan credit losses, impairments and provisions comprises loan credit losses (as defined), plus impairments of other financial and non-financial assets, plus provisions for litigation, claims, regulatory and other matters. Tier 2 Capital This refers to the statutory basis after being adjusted for certain items as explained in the Basis of Presentation. Loans together with the associated loan credit losses are written off when there is no realistic prospect of future recovery. Partial write-offs, including non-contractual write-offs, may occur when it is considered that there is no realistic prospect for the recovery of the contractual cash flows. In addition, write-offs may reflect restructuring activity with customers and are part of the terms of the agreement and subject to satisfactory performance. Year on year change Bank of Cyprus Holdings 90 90

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