Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 De-risking: Clear path to reduce NPE ratio to single digit by 2022 NPE ratio 63% Gross NPE reduction in 2021, through both organic and inorganic actions, expected to more than offset NPE inflows 15.0 € bn Continue to assess potential to accelerate NPE reduction through additional NPE sales (4.3) 16% <10% c.5% (8.9) 1.8 Dec 2014 NPE Sales Net Organic Reduction Dec 20201 NPE sales & Net Organic reduction Dec 2022 Net Organic Reduction Medium- term target Coverage 34% COR (bps) 365 1) Calculations on a pro forma basis assume legal completion of both Helix 2 Portfolio A and Helix 2 Portfolio B Bank of Cyprus Holdings 59% 118 >50% c.70-80 34

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