Financial Analysis and Currency Deposits

Cypriot business Loan market share at 41% in Jun 2022 •Loans Deposits 45.4% 41.1% 41.9% 41.9% 37.1% 38.8% Strong market shares in resident and non-resident deposits Residents Non-residents 41.2% 38.3% 37.3% 37.5% 35.8% 35.4% 35.2% 36.0% 35.3% 34.8% 34.9% 34.9% 33.5% 33.0% 31.5% 36.0% 35.1% 35.0% 32.8% 34.8% 35.8% 36.8% Dec 17 Dec 18 Dec 19 Dec 20 Dec 21 Mar 22 1 Jun 22 Dec 17 Dec 18 Dec 19 Dec 20 Dec 21 Mar 22 Jun 22 Average contractual interest rates (bps) (Cy) Yield on Loans Cost of Deposits Customer spread Customer deposit rates (bps) (Cy) Time & Notice accounts Savings and Current accounts Cost of deposits 4 3 3 2 2 2 380 376 375 363 343 347 352 355 374 371 371 360 340 345 350 353 9 9 8 6 5 4 3 3 2 2 2 O 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 4Q2021 1Q2022 2Q2022 6 6 00 60 1Q2021 2Q2021 3Q2021 4Q2021 1Q2022 2Q2022 1) The market share as at 31 March 2022 was affected by the decrease in total loans in the banking sector, following RCB's intention to phase out its banking activities, and NPE disposal of a peer 65

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