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Investor Presentaiton

Our starting point: Leading financial hub in Cyprus Market Leader ~655k private individuals customers (-75% of population) ~50% market share in households and corporate loans Strong Brand Leading financial hub in Cyprus with long history 1) Referring to non-financial residential corporates Bank of Cyprus Holdings OL E Group Financial Results for the nine months ended 30 September 2020 Diversified financial group • Profitable subsidiaries in affiliated businesses with high market shares (e.g. Insurance, JCC) Leading digital bank 285K active users of internet and mobile banking Widest range of internet & mobile functionalities & e-Accounts Track record on delivery of targets Excellent track- record of delivery against strategic objectives BOCH strengths 34
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