Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2021 Strong performance of moratorium portfolio continues, 11 months after deferral expiry 4% 13% Resumed payments as per original schedule Restructured In arrears €4.66 bn 83% 96% no arrears Private Individuals 3% 8% €1.72 bn 89% 92% no arrears Businesses 1% 19% €2.94 bn 80% 99% no arrears • 96% of performing loans 1 under expired payment deferrals² present no arrears, of which €0.59 bn have been restructured • Just 4% (€186 mn) in arrears of which €178 mn in early arrears (<30 dpd) Strong track record in dealing with restructurings • Targeted restructuring solutions to alleviate pandemic-related short-term cash flow burden, following rigorous assessment of repayment ability Private Individuals: • 92% of performing loans¹ under expired payment deferrals² present no arrears of which c.€36 mn have been restructured • €142 mn (8%) in arrears of which €135 mn in early arrears (<30 dpd) Businesses: • 99% of performing loans¹ under expired payment deferrals² present no arrears of which €556 mn have been restructured; mostly in the tourism sector Just 1% (c.€44 mn) in arrears 1) As at 30 September 2021 2) With instalment due by 22 Nov 2021 Bank of Cyprus Holdings 10

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