Investor Presentaiton

Bank of Cyprus Holdings 49% 31% 31% 29% 1.85 1.36 1.31 1.25 Trade Manufacturing NPE ratio by economic activity 27% 26% 52% 25% 28% 34% % of total 10% 0.64 0.47 0.45 0.44 31% 31% 1.27 1.08 1.13 1.14 Hotels & Restaurant 68% 23% 53% 4% 9% 7% Analysis of gross loans and NPE ratio by Economic activity Gross loans by economic activity (€ bn) 1.95 0.85 0.82 0.81 1.61 1.29 1.28 1.29 29 Construction Real Estate ■31.12.18 ■31.12.19 Private Individuals ■ 30.06.20 ■30.09.20 Professional and other services Trade Manufacturing Hotels and Catering Construction Real estate Private individuals Professional and Other sectors other services 21% 21% 43% 37% 34% 32% 46% 31% 31% 28% 17% 14% 34% 14% 67 10% ■ 31.12.18 ■31.12.19 30.06.20 30.09.2020 6.47 6.02 5.89 5.85 1.20 1.00 0.86 0.83 47% 0.91 0.75 0.75 0.70 Other sectors 7% 6% Group Financial Results for the nine months ended 30 September 2020

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