Group Financial Results

Group Financial Results for the year ended 31 December 2020 Economic activity improving since easing of restrictions Retail sales stabilising Retail trade volume % change -3m average 9.1 Card spending rebounded, having hit low in April 2020 #ths 1,000 916 922 5 -5 878 1 755 800 842 -4.6 813 818 742 626 600 -15 -25 -31.9 -35 19 Jan Mar May 19 Jul Sep Nov Jan 19 19 19 19 20 Retail trade ex motor Mar 20 Retail trade ex autom fuel May Jul Sep Nov 20 20 20 20 Non-food ex autom fuel Volume of building permits shows signs of recovery- yet remain volatile 400 463 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec - 2020 2019 Motor vehicles registrations improved post 1H2020 lockdown Motor vehicles registrations % change -3m average #ths 800 755 10 695 669 631 0 -10 -8 -12 600 -10 467 452 -20 400 -30 -40 -50 200 -50 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Feb Apr 19 19 Jun Aug Oct 19 19 Dec Feb Apr Jun Aug Oct Dec Feb 19 19 20 20 20 20 20 20 21 - 2018 - 2019 2020 Vehicles registrations Source: Cyprus Statistical Service Bank of Cyprus Holdings 46

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