Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 Portfolio exposure to businesses most impacted by COVID-19 Tourism: €1.12 bn Trade: €0.89 bn 30 Sep 2020 Hotels & Catering Food services € bn 31 Dec 2020 € bn % of portfolio 30 Sep 2020 Trade € bn 31 Dec 2020 € bn % of portfolio 0.06 0.06 5% Supermarkets, pharmacies and other essential retail businesses 0.28 0.26 30% Accommodation 1.01 1.06 95% All other 0.67 0.63 70% Total 1.07 1.12 Total 0.95 0.89 Unutilised Liquidity1 0.34 0.32 Unutilised Liquidity¹ 0.93 0.95 - of which deposits 0.27 0.26 23% - of which deposits 0.62 0.60 68% The reduction in international tourist arrivals in 2020, was partly offset by domestic tourism, a trend expected to continue in 2021; A recovery in tourist activity is expected from 2H2021 and will be linked with international vaccine programmes Majority of Accommodation customers entered the crisis with significant liquidity, following strong performance in recent years c. €1.0 bn or 91% under payment deferrals that expired on 31 Dec 2020; 32% had an instalment due by 15 Feb 2021; 98% these resumed payments c.50% (cumulative) will have an instalment due by end of Mar 2021 • 30% tied up to lower risk essential retail services, not materially impacted by COVID-19 €0.47 bn or 53% under for payment deferrals that expired on 31 Dec 2020; 68% had an instalment due by 15 Feb 2021; 97% of these resumed payments 1) Unutilised overdraft amounts and deposits Bank of Cyprus Holdings 14

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