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Investor Presentaiton

Consolidated Balance Sheet Group Financial Results for the six months ended 30 June 2020 Assets (€ mn) 30.06.2020 Cash and balances with Central Banks 5,276 31.12.2019 change Liability and Equity (€ mn) 30.06.2020 31.12.2019 change 5,060 4% Deposits by banks 406 533 -24% Loans and advances to banks 622 321 94% Funding from Central Bank 1,000 Debt securities, treasury bills and equity investments 1,999 1,906 5% Repurchase agreements 123 168 -27% Net loans and advances to customers 10,104 10,722 -6% Customer deposits 16,303 16,692 -2% Stock of property 1,344 1,378 -2% Subordinated loan stock 261 272 -4% Investment properties 134 136 -2% Other liabilities 1,158 1,169 -1% Other assets 1,519 1,574 -4% Total liabilities 19,251 18,834 2% Non current assets and disposal groups classified as held for sale Shareholders' equity 1,875 2,040 -8% 373 26 Total assets 21,371 21,123 1% 16 Other equity instruments 220 220 Total equity excluding non- 2,095 2,260 -7% controlling interests Non controlling interests 25 29 -13% Total equity 2,120 2,289 -7% Total liabilities and equity 21,371 21,123 1% Bank of Cyprus Holdings 64
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