Investor Presentaiton

Continuous progress across all segments Focus shifts to Retail and SME after intense Corporate attention € mn 1,701 Corporate Dec 201 Inflows 541 Group Financial Results for quarter ended 31 March 2021 Exits (22) NPE ratio Corporate 345 €389 mn Mar 21 520 Helix 2 (131) NPE coverage Pro-forma for Terminated Corporate 389 44 Helix 21 NPE total coverage SME 80 €160 mn Terminated SMEs 80 SME Retail 274 Dec 20 2 Terminated Retail 878 Mar 2021 pro forma for Helix 21 Inflows Exits Mar 21 €1,152 mn Helix 2 Pro forma for Helix 2 (445) 160 Retail Dec 202 Inflows Exits Mar 21 Helix 2 619 7 (21) 605 NPE ratio NPE coverage NPE total coverage Mar 2021 Pro forma¹ 8% 61% 118% Mar 2021 Pro forma¹ 12% 59% 128% Mar 2021 Pro forma¹ 1,926 9 (48) NPE ratio 23% 1,887 NPE coverage (735) ➤ Retail Housing 52% 1,152 Retail Other 67% NPE total coverage 132% 1) 2) Pro forma for Helix 2 Calculations on a pro forma basis assume legal completion of both Helix 2 Portfolio A and Helix 2 Portfolio B Following a reorganisation of the RRD portfolio and mainly of the terminated exposures, certain gross loans were reclassified between the business lines, resulting an increase of €92 mn in the Retail line and a reduction of €32 mn and €60 mn of the SME and Corporate line respectively. In addition, certain NPEs were reclassified between the business lines, resulting an increase of €84 mn in the Retail line and a reduction of €24 mn and €60 mn of the SME and Corporate line respectively. Bank of Cyprus Holdings 45

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