Market Leader with Potential for Further Penetration slide image

Market Leader with Potential for Further Penetration

Highly Attractive Market and Demographics... Cyprus is growing faster than EU Attractive business hub Consolidated, highly liquid, low risk banking sector GDP growth 23-241 +3.1 ppts 5.8% 2.7% Euro area Cyprus Tax rate 21% Cyprus economic growth vs EU average 2023-2024 6.8% Cyprus unemployment rate March 2023 >1,600 companies relocated to Cyprus in 2022 #3 country in Europe with highest number of university graduates per capita 13% 13,000 work permits in 2022, equivalent to 3% of labour force EU average Cyprus Loan market share² 42% 28% One of the lowest Loan to Deposit ratios in EU BOC Peer 1 Source: Eurostat, CBC statistics 1) Cumulative growth forecasts: Cyprus: Ministry of Finance; Euro area: European Economic Forecast- Spring 2) For BOC as at 31 March 2023; Peer 1 as at 31 December 2022 as per latest available information -78% reduction in NPES (2018-Feb 2023) 8
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