Investor Presentaiton

Foreclosures resume on 1 September 2020 Group Financial Results for the six months ended 30 June 2020 Cumulative 2016-20181 FY2019 1H2020 1Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 Foreclosures commenced² 1,437 1,829 5933 330 527 436 536 5933 Auctions held 470 807 1643 82 163 189 373 1643 • • Following COVID-19 outbreak, foreclosure process suspended until 31 August 2020, in line with the latest decision of the Association of Cyprus Banks In July 2019 the Parliament has voted through certain changes to the foreclosure law which, in the most part, seek to: - Provide additional checks and balances where banks are seeking to foreclose small loans (<€350k) secured by a Principal Primary Residence, and Extend the foreclosure timetable by extending various notice periods These amendments were passed into law in June 2020 The amendments extend the foreclosure process by c.1 month to c.9 months (1) Excluding Helix (2) The foreclosure process is considered to have commenced upon serving notice to the mortgagor (3) Foreclosures commenced and auctions held up to ACB announcement suspending foreclosures until 31 August 2020 Bank of Cyprus Holdings 50

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