Investor Presentaiton

Group Financial Results for the six months ended 30 June 2020 Sustained Progress on Digital Transformation Digitally Engaged Customers (Individuals)1 O Jul 20: 72% Jun 20: 71% Apr 20: 70% Jul 19: 67% Jul 18: 62% Digital Transactions2 Ratio (Legal Entities) E Jul 20: 52% Jun 20: 53% Apr 20: 60% Jul 19: 30% Jul 18: 28% Digital Transactions 2 Ratio (Total Portfolio) سنا Jul 20: 83% Jun 20: 83% Apr 20: 85% Jul 19: 73% Jul 18: 69% Average mobile logins per month Jul 20: 18.5x Jun 20: 19.8x Apr 20: 21.1x Jul 19: 13.3x Jul 18: 11.8x (1) 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 (2) 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 Bank of Cyprus Holdings 19

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