Group Financial Results

Group Financial Results for the year ended 31 December 2020 New lending¹ continued to grow in 4Q2020, driven by corporate and retail housing New lending 1 of €374 mn in 4Q2020, up 30% qoq € mn Monthly new lending data show improving trend € mn 2,045 -34% 356 +30% 443 60 374 1,351 7- 71 912 288 203 9 206 lockdown 174 596 117 211 33 144 42 24 366 363 117 96 98 122 123 98 95 78 62 200 177 42 40 43 FY2019 FY2020 4Q2019 3Q2020 4Q2020 Jan Feb Mar Apr May Jun Jul Shipping & International SMEs Retail other Corporate Retail-housing lockdown 179 السس Aug Sep Oct Nov Dec Jan Feb 2021 2021 42% Market share in loans³ up 1 p.p. yoy 99% of new exposures² since 2016 were performing at the start of moratorium • • • Corporate up 48% qoq, as economic activity continued to improve Demand for business loans expected to increase in line with economic recovery Retail housing up 20% qoq, above pre-COVID 19 levels, supported by government interest rate subsidy scheme; pipeline of c.€142 mn as at mid- Mar 2021 1) Refer to slide 77 for further details 2) As 31 December 2020 Bank of Cyprus Holdings • High quality origination via prudent underwriting standards 10

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