Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2020 On-going support to customers and society through COVID-19 723 2) 3) • • Payment holidays until end of 2020 (capital & interest) €5.9 bn (>25k customers) > €2.1 bn private individuals > €3.8 bn businesses Payment holidays for €5.9 bn loans ~€1 bn new lending YTD • ~€1 bn new lending in 9M2020 Participation in the government's schemes for interest rate subsidy to private individuals and businesses Strong pipeline of over €148 mn for new housing loans, by mid November 2020 #RestartCY • #SupportCy¹ network initiative contributing: Support CY Sustaining Operational Resilience • • €265k towards education • €70k towards health • €167k towards social services Grants covering cost of repatriation flights All branches operating as usual Increased usage of digital channels sustained post lockdown 84% of total transactions² are performed through digital channels (vs 77% in FY2019) 74% of customers currently digitally engaged³ (vs 69% in FY2019) #SupportCY is a network of 82 companies and NGOs, initiated by Bank of Cyprus, during March 2020, with the aim to support the public services performing frontline duties during the Pandemic and wider Society This is the ratio of the number of digital transactions performed by individuals and legal entity customers to the total number of transactions. Transactions include deposits, withdrawals, internal and external transfers. Digital channels include mobile, browser and ATMs This is the ratio of digitally engaged individual customers to the total number of individual customers. Digitally engaged customers are the individuals who use the digital channels of the Bank (mobile banking app, browser and ATMs) to perform banking transactions, as well as digital enablers such as a bank-issued card to perform online card purchases Bank of Cyprus Holdings 8

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