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Investor Presentaiton

COVID-19 remains contained despite relaxation of measures 14 day moving average of confirmed new cases per 100,000 population 1 05/03/2020 15/03/2020 25/03/2020 04/04/2020 14/04/2020 4.3 3.4 24/04/2020 2.2 04/05/2020 14/05/2020 24/05/2020 13/06/2020 03/06/2020 603 23/06/2020 03/07/2020 3.4 • 2.2 0.4 1.6 13/07/2020 23/07/2020 02/08/2020 Europe Cyprus 12/08/2020 22/08/2020 Lockdown period Fast escalation of measures to contain pandemic spread Gradual relaxation of measures Lifting of restrictions in a gradual and controlled manner 1 All schools closed 4 Opening of retail shops and gradual return of students to schools 2 Travel ban & country lockdown 5 Opening of cafes and restaurants 3 Night curfew introduced 6 Opening of airports and ports Mandatory use of masks in indoor crowded spaces (1) Based on information up to 26 August 2020 provided by https://www.ecdc.europa.eu/en/publications-data/download-todays-data-geographic-distribution-covid-19-cases-worldwide Bank of Cyprus Holdings • Group Financial Results for the six months ended 30 June 2020 Remain vigilant to prevent a second wave of infection as restrictive measures are relaxed through extensive COVID-19 sample testing Introduction of specific measures in July 2020, for the management of the recent increase in COVID-19 cases, following the relaxation of the travelling restrictions 80
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