Investor Presentaiton

Group Financial Results for the nine months ended 30September 2020 €236 mn organic NPE outflows in 3Q2020, leading to €230 mn organic NPE reduction Net organic outflows (€ mn) -227 Inflows (€ mn) 50 -205 -142 -137 -230 32 New inflows 33 17 16 Redefaults 8 8 9 8 6 Unlikely to pay 9 6 7 Organic NPE outflows of €236 mn, recovered to pre-lockdown levels Outflows (mn) 3Q2019 4Q2019 1Q2020 2Q2020 3Q2020 -42 Curing of restructuring -65 -72 -59 -47 -17 -51 -24 DFAS & DFES -18 ■-22, -71 -84 Write-offs -107 -89 -23 -158 -158 -54 -133 Other¹ -87 -237 -236 Sales of NPES -277 1) Other includes interest, cash collections and changes in balances Bank of Cyprus Holdings -886 Helix 2 -1,164 SPA Signed 22

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