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Investor Presentaiton

Medium-term strategic targets Profitability вде Return on Tangible Equity (ROTE) 1 Total Operating Expenses² NPE Ratio Asset Quality Capital L())))) Cost of risk Group Financial Results for the year ended 31 December 2020 2022 Medium Term c.7% <€350 m n <10% c.5% Supported by CET1 ratio of at least 13% c.70-80 bps 1) ROTE is calculated as Profit after Tax divided by (Shareholders' equity minus Intangible assets) 2) Total operating expenses comprise staff costs and other operating expenses. Total operating expenses do not include the special levy or contributions to the Single Resolution Fund (SRF) or Deposit Guarantee Fund (DGF) or any advisory or other restructuring costs Bank of Cyprus Holdings 42
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