Group Financial Results

1) Cypriot business Market shares¹ 45.4% 41.1% 37.5% 37.1% ⚫Loans Deposits 41.7% 41.5% 41.9% Group Financial Results for the year ended 31 December 2020 Strong market shares in resident and non-resident deposits Residents Non-residents 37.3% 38.3% 35.8% 35.8% 35.7% 34.9% 35.4% 36.0% 35.0% 32.8% 35.1% 35.0% 35.0% 31.1% 35.3% 34.9% 34.8% 35.0% 34.9% 31.5% 29.5% Dec 16 Dec 17 Dec 18 Dec 19 Jun 20 Sep 20 Dec 20 Dec 16 Dec 17 Dec 18 Dec 19 Jun 20 Sep 20 Dec 20 Average contractual interest rates (bps) (Cy) Yield on Loans Cost of Deposits Customer spread Customer deposit rates decline further (bps) (Cy) Time & Notice accounts Savings and Current accounts Cost of deposits 16 33 396 392 384 380 376 380 381 376 374 371 16 11 8 6 5 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 11 8 6 24 24 19 15 5 12 0 1 1 0 0 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 The market share on loans was affected as from 30 September 2018 following a decrease in total loans in the banking sector, mainly attributed to €6 bn non-performing loans of Cyprus Cooperative Bank (CyCB) which remained to SEDIPES (a legal entity without license to operate as a credit institution) as a result of the agreement between CyCB and Hellenic Bank Bank of Cyprus Holdings 64

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