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Investor Presentaiton

Asset quality- NPE analysis (€ mn) Dec-20 Sep-20 Jun-20 Mar-20 Dec-19 Dec-18 A. Gross Loans after Residual Fair value adjustment on initial recognition 12,031 12,066 12,243 12,457 12,551 15,438 Residual Fair value adjustment on initial recognition 230 243 248 252 271 462 Group Financial Results for the year ended 31 December 2020 B. Gross Loans 12,261 12,309 12,491 12,709 12,822 15,900 B1. Loans with no arrears 9,149 9,028 8,954 8,706 8,820 8,260 B2. Loans with arrears but not NPES 26 43 69 265 122 221 1-30 DPD 21 34 54 209 88 166 31-90 DPD 5 9 15 56 34 55 B3. NPES With no arrears Up to 30 DPD 31-90 DPD 91-180 DPD 3,086 3,238 3,468 3,738 3,880 7,419 548 533 603 601 722 1,482 16 19 28 52 54 136 26 29 39 72 76 231 18 35 48 79 121 178 181-365 DPD 81 101 178 255 263 393 Over 1 year DPD 2,397 2,521 2,572 2,679 2,644 4,999 NPE ratio (NPEs / Gross Loans) 25% 26% 28% 29% 30% 47% Allowance for expected loan credit losses (including residual fair value adjustment on initial recognition¹) 1,902 1,933 2,043 2,109 2,096 3,852 Gross loans coverage NPES coverage 16% 62% 16% 16% 17% 16% 24% 60% 59% 56% 54% 52% 1) Comprise (i) loan credit losses for impairment of customer loans and advances, (ii) the residual fair value adjustment on initial recognition of loans acquired from Laiki Bank and on loans classified at FVPL, and (iii) loan credit losses on off-balance sheet exposures disclosed on the balance sheet within other liabilities Bank of Cyprus Holdings 55
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