Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 Foreclosures for Primary residence <€350k suspended until March 2021 Cumulative 2016-20181 FY2019 FY2020 4Q2019 1Q2020 2Q2020 3Q2020 4Q2020 Foreclosures commenced² 1,437 1,829 1,5532 536 5932 227 733 Auctions held 470 807 6322 373 1642 468 2,134 properties were resolved since 2016 Sold at auction 343 853 Repossessed³ 4 938 Consensual deals 2,134 Excluding Helix 1 Foreclosures suspended between 18 March and 31 August as per the Cyprus Bank Association Properties that have been auctioned unsuccessfully at least once 1) 2) 3) 4) 5) As defined by the legislation Includes DFAs, restructurings and settlements Bank of Cyprus Holdings Foreclosures for Primary Residences <€350k and "very small business premises”5 of the borrowers have been suspended until the end of Mar 2021, via a legislation enacted on 29 December 2020 by the Cyprus Parliament 49

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