Investor Presentaiton

Positive Organic Performance in 2Q2021 Profit after tax and before non-recurring items Net Interest Income flat qoq doubled qoq 17 +99% 51 =4 76 76 34 168 152 Group Financial Results for the six months ended 30 June 2021 Net Fee and Commission up 18% qoq 39 +18% 45 45 84 71 1Q2021 2Q2021 -13 1H2020 1Q2021 2Q2021 1H2020 1H2021 1Q2021 2Q2021 1H2020 1H2021 1H2021 Non Interest Income up 26% qoq Total Operating Expenses¹ up 7% qoq Provisions and Impairments down 6% qoq 60% 58% 57% 59% 136 120 +26% 165 171 2420 120 76 69 70 -6% 50 60 89 82 26 24 87 32 38 96 101 51 36 35 50 51 20 15 1Q2021 2Q2021 1H2020 1H2021 1Q2021 2Q2021 1H2020 1H2021 1Q2021 2Q2021 1H2020 1H2021 Operating expenses Staff costs 2 Impairments Cost to Income ratio¹ Provisions for litigations and other Loan credit losses 1) 2) Excluding special levy on deposits and other levies/contributions Impairments of financial and non-financial assets Bank of Cyprus Holdings 7

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