Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 Economic activity improving since easing of restrictions Retail sales stabilising Retail trade volume % change -3m average 9.1 Card spending rebounded, having hit low in April 2020 #ths 1,000 916 922 5 -5 -15 -25 878 755 -2.4 -6.8 800 842 813 818 742 626 600 -31.9 -35 Jan 19 Apr 19 Jul 19 Oct 19 Jan 20 Apr 20 Retail trade ex motor Jul 20 Oct 20 Retail trade ex autom fuel ―Non-food ex autom fuel Volume of building permits shows signs of recovery- yet remain volatile 400 463 Jan 2019 Feb Mar Apr May Jun - 2020 Jul Aug Sep Oct Nov Dec Motor vehicles registrations improved post 1H2020 lockdown Motor vehicles registrations % change -3m average #ths 800 10 688 0 -10 600 -10 589 -20 400 464 -30 -40 -50 200 -50 Jan Feb Mar - 2018 - 2019 Apr 2020 May Jun Jul Aug Sep Oct Feb Apr 19 19 Jun Aug 19 Oct Dec Feb Apr Jun Aug Oct Dec 19 19 19 20 20 20 20 20 20 Vehicles registrations Source: Cyprus Statistical Service Bank of Cyprus Holdings 46

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