Investor Presentaiton

Group Financial Results for the nine months ended 30 September 2020 What we have achieved: Substantial improvement in key balance sheet metrics ... > €5.0 bn balance sheet deleveraging >€12.5 bn NPE reduction Funding stack normalisation € bn Total assets 26.8 21.1 21.5 Dec 2014 Dec 2019 Sep 2020 30 p.p. reduction in RWA intensity RWA intensity 4 85% 61% 55% Dec Dec Sep 2014 2019 2020 1 Bank of Cyprus Holdings NPE ratio 63% 30% 21% € bn 15.0 3.9 2.4 Net NPES 9.9 1.8 1.0 Dec Dec 2014 2019 Sep 20201 -84% Loans/ Deposit ratio Capital position consistently above regulatory requirements CET12 3 Min. regulatory requirements 14.8% 14.7% 14.0% 11.0% 9.7% 1) Dec Dec Sep 2) 1 2014 2019 2020 3) 141% -80 p.p. 64% 61% Dec Dec 2014 2019 Sep 20201 Pro forma for Helix 2: calculations on pro forma basis assume completion of the transaction Allowing for transitional arrangements OCR(SREP)- Overall Capital Requirement comprises the Total SREP Capital Requirement (Pillar 1 and Pillar 2 Requirement) plus combined buffer requirements (capital conservation buffer, countercyclical buffer and systemic buffers) 4) Risk weighted assets over total assets 32

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