Group Financial Results

Private individuals loan portfolio, highly collateralised Private Individuals: €4.09 bn Other 17% 83% Housing Expired Payment deferrals: €2.08 bn (51%) 0.03 Overdrafts 0.14 Eligible NPEs that participated/ in moratorium Expired Payment Deferrals: €2.08 bn (51%) Performing loans with instalment due by 19 Mar 2021 1.78 Housing LTV1 €3.40 bn Other €0.69 bn < 60% 63% 30% 60%-80% 21% 5% 80-100% 8% 7% >100% 8% 58% Performing loans with instalment due after 19 Mar 2021\ 0.13 19 Mar 2021 Group Financial Results for the year ended 31 December 2020 Σ 93% private individuals performing loans under payment deferrals had an instalment due by 19 Mar 2021 93% of these, resumed payments • Careful monitoring of arrears in 2021 • Housing performing loans: €3.40 bn Low LTV1 housing portfolio • • 63% of portfolio with LTV¹<60% • Only 8% of portfolio with LTV1>100% • Other: €0.69 bn • 62% secured portfolio . of which 60% with property . of which 40% with other type of collateral Loan to Value (LTV) is calculated as the Gross IFRS Balance to the indexed market value of the property. Under Pillar 3 disclosure, LTV is calculated as the Gross IFRS Balance to the indexed market value of collateral. Collateral takes into consideration the mortgage amount registered in the land registry plus legal interest from registration date to the reference date 1) 2) Overdrafts and current accounts have no instalment due Bank of Cyprus Holdings 12

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