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Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 €145 mn organic NPE outflows in 2Q2020, leading to €137 mn organic NPE reduction -205 -142 -137 Net organic outflows (€ mn) -227 Inflows (€ mn) 50 32 New inflows 33 17 16 Redefaults 8 8 9 8 Unlikely to pay 9 6 7 Outflows (mn) 3Q2019 4Q2019 1Q2020 2Q2020 -42 Curing of restructuring -65 -72 -59 -17: -5 DFAS & DFES -18 -€145 mn ■-22 -71 -84 Write-offs -107 -89 -23 -158 -54 -133 Velocity 2 Other¹ -87 -237 Sales of NPES -277 (1) Other includes interest, cash collections and changes in balances Bank of Cyprus Holdings -886 Helix 2 -1,164 SPA Signed • • • €145 mn organic outflows, maintained at similar levels to 1Q2020, despite COVID-19 Helix 2 reduces NPEs by €886 mn Completion of Velocity 2 reduced NPEs by €133 mn 35
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