Bank of Cyprus Credit Ratings and Financial Position

Gross loans and coverage by IFRS 9 staging Gross loans by IFRS 9 stage (€ mn) 10,856 10,913 10,217 10,278 Allowance for expected loan credit losses (€ mn) Coverage ratio 792 Stage 1 7,529 7,905 84 Dec 21 Sep 22 Dec 22 Mar 23 7,970 8,075 78% 54 610 89 48 Stage 1 1.1% 1.1% 1.1% 1.0% 282 282 Stage 2 1,984 654 1,990 473 85 80 Stage 2 2.7% 2.4% 2.8% 2.7% 1,836 18% 51 49 1,814 Stage 3 1,343 1,018 146 153 Stage 3 48.7% 46.5% 35.4% 39.5% 411 389 4% Dec 21 Sep 22 Dec 22 Mar 23 Dec 21 Sep 22 Dec 22 Mar 23 % of gross loans 59

View entire presentation