Investor Presentaiton

€0.9 bn NPE Trade Delivers Accelerated Risk Reduction €898 mn Helix 2 portfolio (€ mn) Group Financial Results for the nine months ended 30 September 2020 Performing Re-performing NPES/ 898 12 50 30 June 2020 Assets sold Contractual Loans² Gross Loans of which NPES € mn 1.478 Receipts Consideration € mn 422 898 of which: 886 Cash 148 Retail 475 Provisions Held (479) - Deferred Purchase Price 274 €886 m n NPES Other³ 34 Transaction Costs and other adjustments (37) Consideration net of transaction costs and Carrying Value of assets being sold 453 385 other adjustments SMES 259 P/L Impact: (68) Corporate 102 Jun 20 Contractual balance² of €1.48 bn as at 30 June 2020 • Portfolio comprises 22,224 loans, mainly to Retail and SME clients, secured over 5,616 real estate collaterals . Completion remains subject to a number of customary regulatory and other approvals, currently estimated to occur in the 1H2021 1) In pipeline to exit NPEs subject to meet all exit criteria; the analysis is performed on a customer basis (formerly called Non-core NPEs) 2) 3) The difference between the contractual balance and the GBV relates to IFRS adjustments/unrecognised income and non-contractual write-offs DFAs and cash already received by 30 June 2020 Bank of Cyprus Holdings 59

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