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Investor Presentaiton

Group Financial Results for the year ended 31 December 2020 REMU: Asset disposal strategy tackles both value and volume of assets REMU stock broadly flat at c.€1.5 bn Group BV (€ mn) 1,641 c. €1.1 bn REMU sales (Book Value) since 2017 Group BV (€ mn) 1,530 1,490 1,467 1,457 92 93 177 158 Greece & Romania Residential 293 314 Commercial properties 24 24 Hotels 619 606 Land & plots 262 262 Golf Dec 2017 Dec Dec Sep Dec 2018 2019 2020 20201 €91 mn sales in FY2020, comfortably above Book Value Sales contract prices 2 - Organic (€ mn) (1,073) 1,289 1,427 (127) 1,457 (59) 1 Jan 2017 Additions³ 3 Sales Impairment loss & FV loss Transfer to 31 Dec 20201 HFS 4 • FY2020 sales impacted by 1H2020 lockdown Asset disposals across all property classes 111% 85% 106% 84% 15 91 50 26 Commercial Residential Land Net Proceeds / BV 113% 110% Gross Proceeds / OMV 83% 89% • Visible pipeline for €53 mn (SPAs signed) as at 31 Dec 2020 • Offers accepted for €28 mn as at 31 Dec 2020 Total Sales FY2020 1) In addition to assets held by REMU, properties classified as "Investment properties" with carrying value of €21 mn as at 31 December 2020 relate to legacy properties 3) Additions include €21 mn transfer from own properties 4) 2) Amounts as per Sales purchase Agreements (SPAs) Stock of property with a carrying value of €59 mn as at 31 December 2020 was transferred to non-current assets and disposal groups held for sale as it was included in the Helix 2 (both portfolios A & B) Bank of Cyprus Holdings 37
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