Market Leader with Potential for Further Penetration

Bank of Cyprus of Tomorrow Bank of Cyprus Bank of Cyprus Holdings KOIHO ΚΥΠΡΙ Strength c.19% CET1 ratio Significant surplus capital KOINO ΚΥΠΡΙ WN Profitability >13% ROTE (>16% based on 15% CET1 ratio) Shareholder distributions 30-50% Dividend payout ratio 2025 Asset quality <3% NPE ratio 61

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