Investor Presentaiton

Single digit NPE ratio achieved On track to deliver NPE ratio of 5% in the medium term NPE ratio 62.9% € bn 15.0 (4.7) (9.4) Group Financial Results for the nine months ended 30 September 2021 8.6% c.5% 0.9 Dec 2014 NPE Sales Net Organic Reduction Sep 20211 Net Organic Reduction Medium-term target Coverage 34% COR (bps) 365 1) Pro forma for Helix 3 Bank of Cyprus Holdings 60% 66 >50% c.70-80 9

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