Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 Key Information and Contact Details Contacts Investor Relations Tel: +35722122239, Email: [email protected] Annita Pavlou Investor Relations Manager Tel: +357 22 122740, Email: [email protected] Elena Hadjikyriacou ([email protected]), Marina loannou ([email protected]) Andri Rousou ([email protected]), Stephanie Koumera ([email protected]) Executive Director Finance Eliza Livadiotou, Tel: +35722 122128, Email: [email protected] Credit Ratings Standard & Poor's Global Ratings: Long-term issuer credit rating: Affirmed at "B+" on 16 July 2020 (stable outlook) Short-term issuer credit rating: Affirmed at "B" 16 July 2020 Fitch Ratings: Long-term Issuer Default Rating: Affirmed at "B-" on 29 November 2019 (outlook revised to negative on 7 April 2020) Short-term Issuer Default Rating: Affirmed at "B" on 29 November 2019 Viability Rating: Affirmed at "b-" on 29 November 2019 Moody's Investors Service: Baseline Credit Assessment: Affirmed at "caa1" on 24 January 2019 Short-term deposit rating: Affirmed at "Not Prime" on 14 June 2019 Long-term deposit rating: Affirmed to "B3" on 14 June 2019 (positive outlook) Counterparty Risk Assessment: Affirmed at B1(cr) / Not-Prime (cr) on 14 June 2019 Listing: LSE - BOCH, CSE - BOCH/TPKH, ISIN IE00BD5B1Y92 Visit our website at: www.bankofcyprus.com Bank of Cyprus Holdings 40 40

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