Investor Presentaiton

New lending' of €1.3 bn in 9M2021, up 35% yoy New lending recovering towards pre-pandemic levels € mn 1,602 +35% 297 1,321 112 977 708 64 583 422 169 144 111 270 335 246 158 134 147 9M2019 9M2020 9M2021 Shipping & International loans Corporate 39% Market share in loans 1) 2) Refer to slide 69 for definition of new lending Includes syndicated loans Bank of Cyprus Holdings 2 SME Retail other Retail Housing Group Financial Results for the nine months ended 30 September 2021 New lending remained strong in 3Q2021 • 487 451 37 32 427 407 374 31 49 7 288 206 238 88 233 9 162 174 188 18 117 63 42 62 99 33 39 24 79 25 117 102 124 109 98 69 67 27 40 43 57 48 42 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 2Q2021 3Q2021 New lending for 9M2021 reached c. 80% of 9M 2019 levels • • Demand for housing loans remains strong, supported by government interest rate subsidy scheme; c.€265 mn new housing loans approved since the beginning of the scheme; pipeline of €127 mn as at mid-Nov 2021 Corporate new lending at €188 mn for 3Q2021, up 60% yoy as economic activity continues to improve Meticulous assessment of repayment capability and strict origination standards 6

View entire presentation