Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2020 Timely and strong response by the European and the Cypriot authorities Comprehensive and far reaching measures to support performing businesses and the wider economy Government measures include: 1. Subsidy of interest rate of new Business Loans (€180 mn) European Authorities measures-Implications for Cyprus 1. • Subsidy of interest rate for new loans to self employed and businesses Subsidy of interest rate for 4 years • Application deadline extended to 30 June 2021 2. Subsidy of interest rate of new Housing Loans (€45 mn) Subsidy of interest for 4 years 2. 3. 4. Application deadline extended to 30 June 2021 Financing of SMEs through CYPEF1 (€800 mn) 3. 50%-50% risk sharing between the Government and the banks Government Guarantee to EIB (€1.0 bn) Government additional funding of €500 mn to eligible businesses EU Recovery Fund (€2.4 bn) Cyprus expects to receive €1.1 bn in grants during the period 2021-23 and additional loans up to €1.3 bn The exact amounts will depend on the finalisation of the allocation criteria and on the government's national plan that will be submitted to the European Commission Pan-European Guarantee Fund (PEGF) (€300-€400 m n) Liquidity support to eligible businesses through the PEGF of EIB Guarantee to the banks of up to 80% EU SURE Programme (€479 mn) Financial assistance in the form of loans on favourable terms supporting member states in their employment preservation schemes Process for payment of the disbursement of €250 mn initiated 4. Access to ESM's Pandemic Crisis Support through the Enhanced Conditions Credit Line, for ~€440 mn (2% of GDP) 1) The Cyprus Enterprise Fund Bank of Cyprus Holdings 53

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