Investor Presentaiton

Private individuals loan portfolio, highly collateralised Private Individuals: €4.09 bn Other 17% 83% Housing Expired Payment deferrals: €2.08 bn (51%) 2.08 Overdrafts² 0.04 Instalment Expired Payment Deferrals: €2.08 bn (51%) 1.71 due by 15 Feb-21 Σ Housing LTV1 €3.40 bn Other €0.69 bn < 60% 63% 30% 60%-80% 21% 5% 80-100% 8% 7% >100% 8% 58% Instalment due after 15 Feb-21 0.33 15-Feb-21 Group Financial Results for the year ended 31 December 2020 82% private individuals loans under payment deferrals had an instalment due by 15 Feb 2021 93% of these, resumed payments • Housing performing loans: €3.40 bn • Low LTV1 housing portfolio • 63% of portfolio with LTV1<60% • Only 8% of portfolio with LTV1>100% • Other: €0.69 bn • 62% secured portfolio . of which 60% with property . of which 40% with other type of collateral 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 1) 2) Overdrafts and current accounts have no instalment due Bank of Cyprus Holdings 12

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