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Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 New lending¹ continued to grow in 4Q2020, driven by corporate and retail housing New lending 1 of €374 mn in 4Q2020, up 30% qoq € mn Monthly new lending data show improving trend € mn 2,045 -34% 356 +30% 443 60 374 1,351 7- 71 912 288 203 9 206 174 lockdown 596 117 211 33 144 42 24 366 363 117 96 98 122 123 62 200 177 42 40 43 FY2019 FY2020 4Q2019 3Q2020 4Q2020 I.... lockdown 179 118 126 130 98 103 95 90 78 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan Shipping & International SMEs Retail other 2021 Corporate Retail-housing 42% Market share in loans³ up 1 p.p. yoy 99% of new exposures² since 2016 were performing at the start of moratorium New disbursements in the reporting period including the average YTD change (if positive) for overdraft facilities Facilities/limits approved in the reporting period 1) 2) 3) As 31 December 2020 Bank of Cyprus Holdings • Corporate up 48% qoq, as economic activity continued to improve • . • Demand for business loans expected to increase in line with economic recovery Retail housing up 20% qoq, above pre-COVID 19 levels, supported by government interest rate subsidy scheme; pipeline of €130 mn as at mid- February 2021 High quality origination via prudent underwriting standards 10
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