Dividend - BANK OF CYPRUS HOLDINGS PUBLIC LIMITED COMPANY, BANK OF CYPRUS PUBLIC COMPANY LIMITED (2 issuers)

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Announcement Dividend Payment

Nicosia, 18 May 2026

The Bank of Cyprus Group is the leading banking and financial services group in Cyprus, providing a wide range of financial products and services which include retail and commercial banking, finance, factoring, investment banking, brokerage, fund management, private banking, life and general insurance. At 31 March 2026, the Bank of Cyprus Group operated through a total of 57 branches in Cyprus, of which 1 operated as cash office. The Bank of Cyprus Group employed 2,840 staff worldwide. At 31 March 2026, the Group's Total Assets amounted to €28.7 bn and Total Equity was €3.1 bn. The Bank of Cyprus Group comprises Bank of Cyprus Holdings Public Limited Company, its subsidiary Bank of Cyprus Public Company Limited and its subsidiaries.

Further to the announcement by Bank of Cyprus Holdings Public Limited Company (the "Company") on 15 May 2026 in relation to the results of the Annual General Meeting (the "AGM") the shareholders of the Company approved the distribution of a final cash dividend of a gross amount of €0.50 per ordinary share of the Company (the "Ordinary Shares") in respect of the financial year ended 31 December 2025 (the "Dividend"). Together with the interim dividend of €0.20 per ordinary share that was already paid in October 2025, the total dividend out of 2025 earnings amounts to €0.70 per ordinary share, or €305 mn, increasing by c.25% year-on-year. The total dividend corresponds to 70% payout ratio, at the top-end of the Group's 2025 Distribution Policy and is the largest dividend both in terms of quantum and payout ratio since the resumption of dividends in 2022.

The ex-dividend date for the Dividend will be Monday, 25 May 2026 and the record date will be Tuesday, 26 May 2026 (the "Record Date"). Payment of the Dividend will be effected on Wednesday, 24 June 2026.

The Dividend will be paid to all shareholders that are on the register of members of the Company on the Record Date (the "Dividend Payment"). The manner in which shareholders receive their Dividends will depend on how they hold their Ordinary Shares as set out in further detail below.

• For persons holding their interests in Ordinary Shares indirectly through depositary interests on the Cyprus Stock Exchange (the "CSE") ("DI Holders"), the Dividend Payment will be paid by way of electronic transfer to an account with Bank of Cyprus Public Company Limited or another financial institution or by cheque sent to the address registered in the Central Securities Depositary and Central Registry of the CSE (the "CSDCR") as at the Record Date. For DI Holders who hold their interests through participants in the dematerialised securities system operated by the CSDCR (the "CSDCR Participants"), the Dividend Payment will be paid through their CSDCR Participant, after the Company pays the relevant amount to the CSDCR. The Company will serve as the paying agent for the payment of the Dividend to DI Holders.

• For persons holding their interests in Ordinary Shares indirectly in the Euronext Securities Athens A.E. (the "Euronext Securities Athens") and which are traded on the Main Market of the Regulated Securities Market of Euronext Athens Holding A.E. (the "Euronext Securities Athens Shareholders"), the Dividend Payment will be paid through their participants in the dematerialised securities system operated by the Euronext Securities Athens (the "Euronext Securities Athens Participants") after the Euronext Securities Athens has paid the gross amount of the Dividend to the relevant Euronext Securities Athens Participant. Euroclear Bank will serve as paying agent for the payment of the Dividend to Euronext Securities Athens Shareholders.

• For persons holding their interests in Ordinary Shares indirectly through the Euroclear Bank system (the "Euroclear System") as CREST Depositary Interests issued in CREST ("CDI Holders"), the Dividend Payment will be made to the person's relevant CREST participant account in the Euroclear System. Euroclear Bank will serve as paying agent for the payment of the Dividend to CDI Holders.

• For persons holding their interests in Ordinary Shares through the Euroclear System other than CDI Holders, the Dividend Payment will be made to the account of the person's relevant Euroclear Bank participant in the Euroclear System (the "EB Participant"). Euroclear Bank will serve as paying agent for the payment of the Dividend to EB Participants.

• For persons holding their interests in Ordinary Shares in book-entry form directly on the register of members of the Company ("Registered Shareholders"), the Dividend Payment will be paid to the Registered Shareholders in the form of a cheque, warrant sent by post or by way of electronic transfer directly. MUFG Corporate Markets Trustees (Nominees) Limited will serve as paying agent for the payment of the Dividend to Registered Shareholders.

Following the approval at the Company's Annual General Meeting of Resolution 15, amending the Company's Articles of Association, the Board has discretion to determine that dividends shall be paid solely by electronic means. Where a shareholder has not nominated a valid bank account for the receipt of such payment, the Company may retain the amounts payable in an account of the Company until such time as the shareholder nominates a valid account. Any amounts so retained which remain unclaimed may be forfeited after six years in accordance with the Articles of Association.

DI Holders who have not previously provided valid bank account details are therefore strongly encouraged to submit the relevant authorisation form as soon as possible to avoid any delay in receiving, or potential forfeiture of, future dividend payments. The applicable forms are available on the Company's website at the following links:

For payments to Bank of Cyprus accounts: 20240430-authorisation-dividend-payment-to-boc-bank-accounts-2024_en.pdf

For payments to accounts held with other banks: 20240509-authorisation-divident-payment-to-other-bank-accounts-2024_en.pdf

In addition, pursuant to the Company's articles of association, the Company is not obliged to pay any dividend payment to a qualifying shareholder if such amount is €2.00 or less (or such other amount as determined from time to time) unless that shareholder issues a notice in writing to the Company requesting the dividend payment and providing their relevant bank account details.

The final net amount of any Dividend Payment received by a shareholder may differ, depending on such shareholder's tax residence. Shareholders should consult with their appropriately qualified tax, financial advisor and/or other appropriately qualified professionals to determine their tax obligations.

Pursuant to a ruling by the Cyprus tax authorities (the "Tax Ruling"), the rate of the Special Defense Contribution ("SDC") in respect of the Dividend Payment is 17%.

In the case of DI Holders who are Cyprus tax resident and Cyprus domiciled individuals, the appropriate withholding of SDC at the rate of 17% in respect of the Dividend Payment will be made at source, and the Dividend Payment received by such DI Holders is not subject to further SDC assessment.

For all other shareholders, it shall be the responsibility of the relevant shareholder to which the Dividend Payment is made to ensure that the applicable tax payment is made to the relevant tax authority in their jurisdiction.

The information set out above in relation to SDC is without prejudice to other tax obligations and contributions to the Cyprus General Healthcare System (GHS) that otherwise may arise in connection with the Dividend Payment.

For further information, please contact Investor Relations at investors@bankofcyprus.com.