Investor Presentaiton

Core Cypriot business Market shares¹ Loans Deposits Group Financial Results for the six months ended 30 June 2020 Strong market shares in resident and non-resident deposits Residents Non-residents 45.4% 41.3% 41.1% 41.0% 41.7% 37.5% 37.1% 35.8% 37.3% 38.8% 38.3% 34.7% 35.8% 35.3% 35.7% 36.0% 34.7% 35.0% 32.8% 35.1% 34.8% 34.1% 35.3% 34.6% 34.9% 34.7% 34.8% 31.1% 31.5% 29.5% Dec 16 Dec 17 Dec 18 Jun 19 after Helix Dec 19 Mar 20 Jun 20 Dec 16 Dec 17 Jun 18 Dec 18 Sep 19 Dec 19 Mar 20 Jun 20 Average contractual interest rates (bps) (Cy) Yield on Loans Cost of Deposits Customer spread Customer deposit rates decline further (bps) (Cy) Time & Notice accounts Savings and Current accounts Cost of deposits 41 32 24 19 16 11 8 475 468 460 413 402 396 392 384 77 434 436 436 389 383 380 381 376 58 47 39 33 33 19 24 41 32 24 24 19 16 11 8 1 1 1 1 1 Ο 4Q2018 1Q2019 2Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 4Q2018 1Q2019 2Q2019 3Q2019 4Q2019 1Q2020 2Q2020 (excluding Helix) (1) 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 65

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