Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 Business portfolio well diversified, with high quality collateral Business gross loans (excluding Legacy) 1 • • Breakdown, by Covid-19 impact Payment deferrals • 9% with 21 payment by 30 June 2020 €5.18 bn €3.91 bn High Impact: (21%) 21% Tourism (Hotels & Catering) Medium Impact: (26%) • Trade Manufacturing Moderate Impact: (28%) 26% 26% 20% Construction 28% 29% • Transportation and storage • Low: (25%) • Real Estate 25% 25% • Education • Health (1) Gross loans as at 30 June 2020 of Corporate (incl. IB and W&M and Global Corporate), SME, Retail, Insurance and H/O (2) Facilities/limits approved in the reporting period High quality origination via prudent underwriting standards Strong assessment of repayment capability . • Strict origination standards Effective foreclosure law in place, following the amendments in recent years • 98% of new exposures 2 since 2016 were performing at the start of the moratorium • 89% of portfolio secured • . of which 79% with property • of which 21% other type of collateral Low LTV3 business portfolio; 72% of the portfolio with LTV³<80% LTV3 High Medium Moderate Low Total < 80% 94% 58% 67% 73% 72% >80% 6% 42% 33% 27% 28% Total 100% 100% 100% 100% 100% (3) Loan to Value (LTV) is calculated as the Gross IFRS Balance to the indexed market value of the property. Under Pillar 3 disclosures LTV is calculated as the Gross IFRS Balance to the indexed market value of collateral. Collateral takes into consideration the mortgage amount registered in the land registry plus legal interest from registration date to the reference date Bank of Cyprus Holdings 15

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