Investor Presentaiton

NPE Coverage and Total coverage by segment Coverage and collateral maintained post Helix 22 Group Financial Results for the year ended 31 December 2020 Tangible Collateral¹ Allowance for expected loan credit losses Corporate €318 mn Global Corporate: €105 mn SME €157 mn Retail-Housing €706 mn Retail-Other €474 mn Total €1,760 m n 167% 167% 167% 139% 140% 138% 133% 127% 128% 128% 131% 81% 124% 126% 127% 130% 131% 127% 86% 86% 122% 122% 118% 111% 108% 104% 101% 64% 50% 51% 53% 46% 69% 69% 68% 85% 85% 86% 59% 60% 57% 70% 69% 68% 71% 83% 54% 68% 86% 81% 81% 58% 60% 63% 51% 55% 53% 59% 64% 60% 64% 67% 67% 65% 48% 54% 55% 52% 54% 60% 62% 59% Dec 19 Sep 20 Dec 20 Dec 20 pro forma Dec 19 Sep 20 Dec 20 Dec 20 Dec 19 Sep 20 Dec 20 Dec 20 2 pro forma² pro forma 2 1) 2) Restricted to Gross IFRS balance Calculations on a pro forma basis assume legal completion of both Helix 2 Portfolio A and Helix 2 Portfolio B Bank of Cyprus Holdings Dec 19 Sep 20 Dec 20 Dec 20 pro forma 2 Dec 19 Sep 20 Dec 20 Dec 20 pro forma Dec 19 Sep 20 Dec 20 Dec 20 2 pro forma² 54

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