Investor Presentaiton

Group Financial Results for quarter ended 31 March 2021 Well diversified loan portfolio; close monitoring and set up of strategies to prevent further asset quality deterioration Gross loans (excluding legacy)¹ by business sector of €9.30 bn Breakdown by COVID-19 impact assessment on business sectors € bn €9.30 bn Private Individuals 4.12 • High Impact: (12%) High 12% • Tourism (Hotels & Catering) Hotels & 1.15 Catering Real Estate 1.02 Trade 0.89 Professional 0.67 & Other services Other sectors 0.59 Construction 0.53 Manufacturing 0.33 1) Gross loans as at 31 March 2021 of Corporate (incl. IB and W&M and Global Corporate), SME, Retail, and H/O Bank of Cyprus Holdings Medium 22% Moderate 2% Low 20% 44% Private individuals • Medium Impact: (22%) Trade • Manufacturing Construction Transportation and storage • Moderate Impact: (2%) Administrative • Other • Low: (20%) Real Estate Education Health • Private individuals (44%) . Refer to slide 8 43

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