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Bank of Cyprus Credit Ratings and Financial Position

1) 2) 3) Leverage leading Digital Capabilities to serve customers and the economy Digital transactions ratio¹ at 94% 92% 94% 86% Digitally engaged customers ratio at 83% 76% 79% 83% Leader in shaping the digital transformation of local economy JINIUS Mar 21 2 Mar 22² Mar 23 Mar 21 Mar 22 Mar 23 Average mobile logins per month Active users of Internet and/or Mobile Banking (k '000) 427 379 332 23 × 19x 20x Mar 21 Mar 22 Mar 23 Mar 21³ Mar 223 Mar 23 ☐ This is the ratio of the number of digital transactions performed by individuals and legal entity customers to the total number of transactions. Transactions include deposits, withdrawals, internal and external transfers. Digital channels include mobile, browser and ATMs Comparative figures have been revised in order to include data for the transactions of "Payroll & Group Transfers" through 1Bank Comparative figures have been revised in order to include active users for business subscribers • Demographic Bank Branches J! Business gertners میرا Vision Introduction of the Digital Economy Platform to optimise processes within the economy and create new revenue sources over the medium-term • Bringing stakeholders together • Connecting businesses with each other and with consumers • Driving opportunities in lifestyle banking and beyond Launch of first set of services for digitising business to business activities (eg: electronic invoicing, tenders service, remittance management and payments) >1,500 companies registered on the platform 21

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