Investor Presentaiton

Performance before exceptional items in 3Q2020 Positive Organic Performance in 3Q2020 Net Interest Income flat qoq 4 1 42 2Q2020 3Q2020 9M2019 -18 9M2020 Non Interest Income down 9% qoq 83 82 2 260 250 2Q2020 3Q2020 9M2019 9M2020 Total Operating Expenses up 4% qoq Group Financial Results for the nine months ended 30 September 2020 Net Fee and Commission income up 6% qoq +6% 33 35 111 106 2Q2020 3Q2020 9M2019 9M2020 Provisions and Impairments down 26% qoq 235 175 60 -9% 60 57% 62% 58% 59% 289 81 84 249 -13% 122 34 35 104 158 4 129 36 9 55 55 50 2 38 47 49 167 145 25 7 117 118 31 2Q2020 3Q2020 9M2019 9M2020 23 2Q2020 3Q2020 9M2019 9M2020 2Q2020 3Q2020 9M2019 9M2020 Operating expenses Staff costs Cost to Income ratio¹ Provisions for litigations and other Impairments on non-financial instruments Loan credit losses 1) Excluding Special Levy and contributions to SRF and DGF Bank of Cyprus Holdings 11

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