Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2021 Significant progress achieved on strategic priorities Single digit NPE ratio achieved New lending recovering towards pre-pandemic levels Preserved strong capital CET1 ratio 1 31.3% 26.3% -78% € bn 4.1 3.2 Sep 19 Sep 20 NPE ratio 8.6% 0.9 Sep 21 pro forma for Helix 3 -18% € bn 1.6 1.3 1.0 9M2019 9M2020 9M2021 15.2% 14.6% 15.3% Sep 19 Sep 20 Sep 21 pro forma for Helix 3 Cost of Risk normalizing post NPE sales NII impacted by de-risking and rates Net fees above pre-pandemic levels Focus on further improving efficiency 58% 59% 61% +15% € mn -14% -10% € mn € mn 1.19% 1.25% 260 128 289 250 223 111 106 249 260 Legacy 83 59 43 122 104 108 0.66% 9M2019 9M2020 9M2021 177 191 180 167 145 152 9M2019 9M2020 9M2021 9M2019 9M2020 9M2021 9M2019 9M2020 9M2021 Operating expenses² Staff costs C/I ratio² 1) Allowing for IFRS 9 and temporary treatment for certain FVOCI instruments transitional arrangements Excluding special levy on deposits and other levies/contributions 2) Bank of Cyprus Holdings 5

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