Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2020 Economic activity improving since easing of restrictions Retail sales increasing Retail trade volume % change -3m average Card spending rebounded, having hit low in April 2020 #ths 1,000 916 922 9.1 5 -1.97 755 800 813 818 -4.3 -5 626 716 -15 600 -25 -31.9 -35 Jan 19 Apr 19 Jul 19 Retail trade ex motor Oct 19 Jan 20 Retail trade ex autom fuel Apr 20 Jul 20 Non-food ex autom fuel Volume of building permits shows signs of recovery- yet remain volatile #ths 800 600 400 200 Jan 400 463 Jan Feb Mar Apr May Jun Jul Aug Sep Oct - 2020 2019 Motor vehicles registrations improve Motor vehicles registrations % change -3m average 10 766 0 -9 684 -10 490 -20 -30 -40 -50 -50 Feb Mar Apr May Jun Jul Feb Apr Jun Aug Oct Dec Feb Apr Jun Aug 19 19 19 19 19 19 20 20 20 20 - 2018 - 2019 - 2020 520 Oct 20 Vehicles registrations Source: Cyprus Statistical Service, and Eurostat Bank of Cyprus Holdings 7

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