Investor Presentaiton

Bank of Cyprus Holdings 49% 31% 29% 25% 1.85 1.36 1.25 1.18 Trade Manufacturing NPE ratio by economic activity 27% 52% 25% 23% 28% % of total 10% 0.64 0.47 0.44 0.44 4% 10% 6% 10% Analysis of gross loans and NPE ratio by Economic activity Gross loans by economic activity (€ bn) 1.27 1.08 1.14 1.19 Hotels & Restaurant Construction %89 34% 31% 30% 23% 53% 1.95 0.85 0.81 0.79 Trade Manufacturing Hotels and Catering Construction Real estate Private individuals Professional and Other sectors other services 21% 20% 43% 1.61 1.29 1.29 27 1.27 Real Estate Private Individuals Professional and other services 37% 32% 30% 31% 46% 28% 30% 17% 14% 34% 14% 56 6.47 6.02 5.85 5.83 1.20 1.00 0.83 0.89 48% Dec 18 ■Dec 19 Sep 20 Dec 20 0.91 0.75 0.70 0.67 Other sectors 7% 5% Group Financial Results for the year ended 31 December 2020

View entire presentation