Investor Presentaiton

0% 50% 100% Dec-14 Mar-15 Jun-15 150% Liquidity Sep-15 Dec-15 Mar-16 Jun-16 Sep-16 Liquidity and funding position continues to improve Low-cost deposit-funded banking sector • Deposit increases in the domestic depositor base reflecting strengthened confidence and a stronger domestic economy. The increase in deposits relates mostly to higher deposits by companies while households record a more modest increase. The Liquidity Coverage Ratio more than double the EU-average while the two largest banks report comfortable Net Stable Funding Ratios. 70 Evolution in deposits, EUR bn 10 5 0 -5 60 50 40 2622° 30 20 10 Mar-13 Jul-13 Nov-13 Mar-14 Jul-14 Nov-14 Mar-15 Jul-15 Nov-15 Mar-16 Jul-16 Nov-16 Mar-17 Jul-17 Nov-17 Mar-18 Jul-18 Nov-18 Mar-19 -10 -20 152122 Dec-16 Mar-17 Jun-17 Sep-17 Liquidity Coverage Ratio (RHS) Loan to Deposit ratio Source: Central Bank of Cyprus, EBA; Note: LCR data not available prior to Dec. 2016 Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Total Non-domestic residents Eurosystem funding, % of assets Domestic residents Annual growth rate % (rhs) 16 400% 14 300% 12 10 200% 8 6 100% 4 0% 2 1,4% 0 14 15 Mar Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- Mar- Sep- 13 13 14 15 16 16 17 17 18 Central Bank funding as % of assets 18 24

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