Investor Presentaiton

Credit Risk by customer type - 90+ DPD fully covered by provisions & tangible collateral Corporate SMEs Retail Housing Retail Cyprus Other 48% 21% 21% 10% 100% 10,1 4,5 4,4 21,2 2,2 Gross loans (€ bn) 61,6% 66,1% 90+ DPD loans 50,2% 54,1% by segment 26,5% Loan Loss Reserve (LLR) 49,2% 40,8% 31,7% 26,0% 37,8% coverage Tangible coverage 77,3% 78,9% 81,3% 55,6% 76,0% Total 118,1% 110,6% 107,3% 104,8% 113,8% coverage Significant provision and collateral coverage, with additional comfort from personal guarantees XX % of total gross loans (Cyprus only) Bank of Cyprus KOINO ΚΥΠΡΙ 25

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