Investor Presentaiton

1) Bank of Cyprus Holdings 31% 17% 16% 13% 14% Rescheduled Loans Rescheduled loans by customer type (€ bn) 4.89 Rescheduled loans % gross loans by customer type 15% 7% 7% 34% 28% 1.17 0.47 2.73 1.01 2.35 2.09 2.18 0.97 0.88 0.81 0.79 0.44 2.24 0.38 0.53 0.36 0.36 0.50 0.34 0.41 0.42 0.16. 0.15 0.23 0.45 0.43 0.36 0.38 Dec 18 Retail housing Dec 19 Jun 20 Dec 20 1 Mar 21 Retail other SMEs Global Corporate Corporate 11% 27% 24% 20% 29% 24% 22% 21% 19% 26% Corporate Global Corporate SMEs Retail Housing Retail Consumer Dec 18 Dec 19 Jun 20 Dec 201 Mar 21 Stage 1 Stage 2 Stage 3 POCI FVPL Total Rescheduled loans-Asset Quality 31 March 2021 € '000 174,417 306,303 Following a reorganisation of the RRD portfolio and mainly of the terminated exposures, certain gross loans were reclassified between the business lines, resulting an increase of €58 mn in the Retail line and a reduction of €39 mn and €19 mn of the SME and Corporate line respectively. 1,304,470 169,630 227,707 2,182,527 52 Group Financial Results for quarter ended 31 March 2021

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