Investor Presentaiton

2) 3) 723 1) Group Financial Results for year ended 31 December 2020 On-going support to customers and society through COVID-19 • • Payment holidays expired in December 2020 (capital & interest) €5.9 bn (>25k customers) > €2.1 bn private individuals > €3.8 bn businesses #SupportCY1 network initiative contributing: • ⚫ €302k towards education • €116k towards health • €191k towards social services Grants covering cost of repatriation flights Payment holidays for €5.9 bn loans €1.4 bn new lending in FY2020 • • €1.4 bn new lending in FY2020 Participation in the government's schemes for interest rate subsidy to private individuals and businesses Strong pipeline of over €130 mn for new housing loans, as at mid Feb 2021 #RestartCY All branches operating as usual Support CY Sustaining Operational Resilience Increased usage of digital channels sustained post 1H2020 lockdown 84% of total transactions² are performed through digital channels (vs 77% in 2019) 75% of customers currently digitally engaged³ (vs 69% in 2019) #SupportCY is a network of 93 companies and NGOs, initiated by Bank of Cyprus, during March 2020, with the aim to support the public services performing frontline duties during the Pandemic and wider Society This is the ratio of the number of digital transactions performed by individuals and legal entity customers to the total number of transactions. Transactions include deposits, withdrawals, internal and external transfers. Digital channels include mobile, browser and ATMs This is the ratio of digitally engaged individual customers to the total number of individual customers. Digitally engaged customers are the individuals who use the digital channels of the Bank (mobile banking app, browser and ATMs) to perform banking transactions, as well as digital enablers such as a bank-issued card to perform online card purchases Bank of Cyprus Holdings 7

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