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Liquid banking sector in Cyprus Deposits steadily increasing... Net L/D ratio (€ bn) 46.1 51.7 51.5 48.2 ... whilst loans declined following deleveraging NPE ratio 48% (€ bn) 57.2 11% 28.9 27.0 25.6 Dec 14 Dec 15 Dec 16 Dec 17 Dec 18 Dec 19 Dec 20 Dec 21 Nov 22 Dec 14 Dec 15 Dec 16 Dec 17 Dec 18 Dec 19 Dec 20 Dec 21 Nov 22 ⚫Deposits Gross Loans Cypriot banks have lower L/D ratio compared to Euro area 102% 97% 96% 91% 79% 79% 77% 77% 73% 62% 59% 52% 38% Source; Central Bank of Cyprus • The Cyprus banking system has one of the lowest loan to deposit ratios among EU countries, below 55% 13

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