Investor Presentaiton

Cypriot business Market shares¹ 1) ⚫Loans -Deposits 45.4% 41.1% 41.9% 42.4% 37.5% 37.1% 36.0% 32.8% 35.1% 31.1% Group Financial Results for quarter ended 31 March 2021 Strong market shares in resident and non-resident deposits Residents Non-residents 35.8% 37.3% 38.3% 35.8% 35.4% 33.7% 34.5% 35.0% 35.3% 34.9% 34.9% 34.7% 31.5% 29.5% Dec 16 Dec 17 Dec 18 Dec 19 Dec 20 Mar 21 Dec 16 Dec 17 Dec 18 Dec 19 Dec 20 Mar 21 Average contractual interest rates (bps) (Cy) Yield on Loans Cost of Deposits Customer spread 392 384 380 376 375 Customer deposit rates decline further (bps) (Cy) Time & Notice accounts Savings and Current accounts Cost of deposits 11 8 6 381 376 374 371 371 24 19 15 11 8 6 LO 5 4 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 5 4 12 9 0 1 0 0 1Q2020 2Q2020 3Q2020 4Q2020 1Q2021 The market share on loans was affected as from 30 September 2018 following a decrease in total loans in the banking sector, mainly attributed to €6 bn non-performing loans of Cyprus Cooperative Bank (CyCB) which remained to SEDIPES (a legal entity without license to operate as a credit institution) as a result of the agreement between CyCB and Hellenic Bank Bank of Cyprus Holdings 57

View entire presentation