Eurobank S.a. · ATHEX:EUROB
Eurobank — Eurobank Ergasias Services and Holdings — H1 2023 Earnings Presentation
67 slides from Eurobank's earnings presentation, Jul 31, 2023
Slide 1: 1H2023 results
4 EUROBANK Holdings 1H2023 results 31 July 2023
Slide 2: Disclaimer
Disclaimer By attending the meeting where this presentation is made, or by reading the presentation slides, you agree to be bound by the following limitations: This presentation has been prepared by Eurobank Ergasias Services and Holdings S.A. (“Eurobank Holdings”) and its 100% subsidiary Eurobank S
Slide 3: Table of contents
Table of contents 1H23 results highlights 4 Diversified business model 11 Balance sheet 16 Profitability 24 Asset Quality 32 Capital 37 Sustainability commitments and performance 40 Macroeconomic update 46 Appendix I – Supplementary information 55 Appendix II - Glossary 62 3
Slide 4: 1H23 results highlights
1H 2023 Results 1H23 results highlights
Slide 5: 1H23 results highlights: Profitability
1H23 results highlights: Profitability ❑ Adjusted Net Profit1 €599m in 1H23 P&L (€ m) 2Q23 1Q23 Δ(%) 1H23 1H22 Δ(%) ❑ 1H23 RoTBV1 at 17.9% Net interest income 540.1 502.5 7.5 1,042.6 667.4 56.2 Commission income 140.6 129.3 8.7 269.9 245.7 9.9 ❑ TBV per share up 18.8% y-o-y at €1.90; up 6.7% q-o-q O
Slide 6: 1H23 results highlights: Balance sheet
1H23 results highlights: Balance sheet Capital Key Balance sheet ratios ▪ Total CAD at 19.0%1, up 200bps y-o-y ▪ FBL3 at 16.3%1, up 230bps y-o-y; up 80bps q-o-q Group (%) 2Q23 1Q23 4Q22 3Q22 2Q22 Capital7 Volumes CAD 19.01 18.41,2 19.03 17.23 17.03 ▪ Group performing loans organic growth4 at €0.5bn
Slide 7: Core Income
Core Income Δ NII (y-o-y, € m)1 Δ Fees (y-o-y, € m) +56.2% +9.9% 125 1,043 +16.4% 320 104 (9) (62) 29 9 1 270 (103) 246 0 667 232 (1) (14) Greece 2 3 Δ Loans Δ Lending Δ SEE 1H22 Mechant acquiring Δ Capital Markets Δ Deposits 1H22 Δ TLTRO Δ Gapping & other 1H23 1H22 Δ Bancassurance & Asset mng 1H23
Slide 8: Profitability
Profitability Core PPI and Provisions (€ m) Core Operating Profit2 (€ m) +88.6% 705 +76.0% 869 374 Core PPI 494 1H22 1H23 Profit before Tax3 (€ m) Loan Loss (120) (164) Provisions 927 (23.2)% 712 1H22 1H23 CoR1 63 81 1H22 1H23 (bps) 1. On net loans. 2. Core Operating profit= Core PPI minus loan loss
Slide 9: Capital & TBV
Capital & TBV CET1 FLB3 TBV per share (€) +18.8% +230bps 16.3%1 +6.7% 1.90 14.0% 1.78 2Q22 2Q23 1.60 CAD +200bps 19.0%1 17.0% 2Q22 1Q23 2Q23 2Q22 2Q23 1. Pro forma for Serbian operations disposal, Synthetic and Solar securitizations and 1.4% share’s buy-back. Including period profits, subject to AGM
Slide 10: Outperforming 2023 financial goals
Outperforming 2023 financial goals FY22 1H23 FY23E FY23E8 Actual Actual Revised Initial Δ performing loans €3.2bn €0.5bn c.€2.0bn c.€2.8bn Core PPI €1.1bn €0.9bn c.€1.7bn c.€1.4bn Core Operating Profit1 €869m €705m >€1.3bn c.€1.1bn NIM 191bps 263bps >250bps c.235bps RoTBV 11.1%2 17.9%3 >15.0%3 c.13.
Slide 11: Diversified business model
1H 2023 Results Diversified business model
Slide 12: Segmental analysis: diversified earnings generation
Segmental analysis: diversified earnings generation Key Metrics (1H23) Net profit1 (€ m) Net 2022 Group (%) Assets RWAs TBV RoTBV2 RoTBV Profit1 382 € bn € bn €m €m 167 208 114 137 Greek Banking Greek banking 57.2 32.3 4,153 375 18.4% 23.4% operations Operations 2Q22 3Q22 4Q22 34 1Q23 2Q23 Greek Inv
Slide 13: Eurobank Group Investment Real Estate Portfolio
Eurobank Group Investment Real Estate Portfolio Big boxes & 1H23 Office Mixed use Retail Logistics Special use Total supermarkets No. of assets (#) 61 27 83 33 22 28 254 Book Value (€ m) 437 203 167 341 96 72 1,316 % of total BV 33% 15% 13% 26% 7% 5% 100% BV / GLA (€ /sqm) 1,567 2,539 1,898 1,285 63
Slide 14: Bulgaria key metrics
Bulgaria key metrics1 1H23 Highlights Core PPI and provisions (€ m) Net profit €101m, up >100% y-o-y ▪ Core PPI at €102m, up 40.1% y-o-y 55 Core 41 42 46 PPI ▪ NII up 42.1% y-o-y at €141m 38 ▪ Commission income up 2.2% y-o-y at €37m ▪ Cost – to - core income at 42.7% (9) (8) (11) (10) (14) Provision
Slide 15: Cyprus key metrics
Cyprus key metrics1 1H23 Highlights Core PPI (€ m) Net profit €90m; up 100% y-o-y ▪ Core PPI up >100% y-o-y at €116m 63 53 ▪ NII up >100% y-o-y at €125m 43 ▪ Commission income down 1.0% y-o-y at €19m 28 31 ▪ Cost – to – core income at 19.6% 2Q22 3Q22 4Q22 1Q23 2Q23 NPEs ratio and provisions / NPEs N
Slide 16: Balance sheet
1H 2023 Results Balance sheet
Slide 17: Balance sheet composition
Balance sheet composition Assets (€ bn) Liabilities and Equity (€bn) 81.5 81.5 60 50 Net loans 40.5 Deposits 55.9 40 Investment Securities 13.9 30 Derivatives 1.0 Loans & advances to banks 1.9 Wholesale funding 4.1 Tier II 1.2 20 Other3 3.8 Cash & Central banks 12.6 Derivatives 1.6 10 Investment pro
Slide 18: Securities portfolio
Securities portfolio Breakdown per issuer Breakdown per classification Trading & other; 4% FVOCI; 24% CLOs (AAA); Trading & other; 11% 4% € 13.9 bn Financial Institutions; Amortized Cost; 72% 11% Greek Corporate bonds; Government; Amortized cost breakdown € 13.9 bn 39% 11% CLOs (AAA); Corporate bond
Slide 19: Loans
Loans Gross loans (€ bn) Performing loans (€ bn) Organic1 growth +€0.5bn in 1H23 41.4 41.8 41.7 42.2 40.7 39.4 39.8 39.8 40.1 38.4 8.5 8.7 9.1 9.82 SEE 8.3 8.2 8.4 8.8 9.52 SEE 8.0 5.0 4.9 4.9 4.7 4.6 Senior Notes 4.9 5.0 4.9 4.7 4.6 Senior Notes Greece Greece Business 18.1 18.4 Business 17.4 18.3 1
Slide 20: Deposits
Deposits Breakdown by region (€ bn) Breakdown by type +0.3 29% 32% Group 21% 21% 24% Time/ Greece 55.6 55.1 55.9 30% 54.1 Total 27% 52.5 19% 19% 22% 15.8 16.0 16.2 16.9 2Q22 3Q22 4Q22 1Q23 2Q23 SEE 15.1 Breakdown by customer Greece 39.6 38.9 39.0 37.4 38.3 Individuals & SB; Corporate; 63% € 55.9 bn
Slide 21: Liquidity
Liquidity Net loans / Deposits ratio Net ECB Funding (€ bn) (1.0) (2.4) (5.6) (5.7) (5.2) 74.3% 11.6 11.6 73.4% 72.9% 8.8 8.3 7.4 Funding 72.4% 72.6% (12.6) (14.0) (14.4) (14.0) (12.6) Cash 2Q22 3Q22 4Q22 1Q23 2Q23 1Q22 1H22 FY22 1Q23 1H23 Liquidity coverage ratio (LCR) & Net Stable Funding ratio (N
Slide 22: MREL position
MREL position MREL (% RWAs) 22.93 23.17 20.53 3.88 Senior preferred ▪ 2Q23 MREL ratio at 23.17%, exceeding the non-binding January 1st 4.99 3.75 liabilities3 2024 MREL target of 22.93% CBR2 19.05 18.18 Own Funds4 MREL 16.78 target ▪ Final MREL target at 27.50%1 of RWAs; compliance horizon until 1/1/
Slide 23: Wealth Management
Wealth Management Managed Funds (AuM, € bn) Private Banking (CAL1, € bn) +1.5 +0.7 10.6 4.8 9.8 8.9 9.1 4.4 8.4 4.1 4.1 4.1 4.6 Greece 4.2 3.9 4.1 3.9 3.8 3.5 Cyprus 3.1 3.1 3.2 Own Mutual 2.9 Funds 2.8 2.6 2.6 2.4 3rd Party Mutual Luxembourg Funds 0.4 0.4 0.4 0.4 0.5 2.8 3.0 2.1 2.4 2.5 0.6 0.6 0.6
Slide 24: Profitability
1H 2023 Results Profitability
Slide 25: Loan spreads
Loan spreads Loan client rates (Greece, bps) Lending spreads (Greece, bps)1 579 528 2Q22 3Q22 4Q22 1Q23 2Q23 Performing 342 307 286 285 281 436 559 Corporate 299 262 242 242 244 350 509 3M avg Euribor (36) 48 177 263 336 321 6M avg Euribor (10) 96 229 309 366 419 Retail 388 361 340 340 329 340 Consu
Slide 26: Net Interest margin & deposit spreads
Net Interest margin & deposit spreads Net Interest margin (bps) Deposit spreads (Greece, bps) 2Q22 3Q22 4Q22 1Q23 2Q23 Savings & Sight (49) 17 142 238 318 318 SEE Time (43) (8) 66 123 143 283 Group 272 Total (48) 13 129 211 269 249 253 1M avg Euribor (53) 9 135 235 315 257 Greece 224 244 209 196 217
Slide 27: Net Interest Income
Net Interest Income NII breakdown (€ m)1 Δ NII (q-o-q, € m)1 2Q22 3Q22 4Q22 1Q23 2Q23 502 1Q23 Loans 292 329 396 460 516 Δ Loans 37 Bonds & Derivatives 67 70 87 114 126 Central banks’ net Δ Bonds & Derivatives 9 18 9 34 29 40 funding Greece Money Market & Δ Central banks' net funding 2 +7.5% 4 7 10
Slide 28: Commission Income
Commission Income Commission income breakdown (€ m) Commission income per region (€ m) +8.7% +9.9% 71bps over assets 142 141 142 141 134 134 128 129 128 129 30 30 31 46 44 Lending 31 29 SEE 31 36 38 48 Network transactions 52 51 50 42 & credit cards 112 111 97 103 100 Greece 4 7 5 8 6 Capital Market
Slide 29: Operating expenses
Operating expenses OpEx per region (€ m) OpEx breakdown (Greece, € m) 222 320 +0.8% 322 213 216 222 221 51 54 59 60 61 SEE 44 43 Depreciation 25 27 IT 162 162 163 162 161 Greece 70 Administrative 68 27 26 Resolution Fund 2Q22 3Q22 4Q22 1Q23 2Q23 Cost –to- core income (%) Staff 155 157 2Q22 2Q23 1H23
Slide 30: Pre-provision income (PPI)
Pre-provision income (PPI) Core PPI and other income (€ m) Δ Core PPI (q-o-q, € m) 332 44 99 (12) 31 Other income 459 410 370 127 SEE 31 490 106 38 11 459 281 90 259 67 74 410 (0) 279 304 332 Greece 192 207 2Q22 3Q22 4Q22 1Q23 2Q23 PPI per region (€ m) 591 Δ NII Δ opex 1Q23 Core PPI 2Q23 Core PPI 2Q
Slide 31: Δ Core Operating Profit (y-o-y)
Δ Core Operating Profit (y-o-y, € m) 103 251 24 2 869 Core PPI (2 ) (3 ) Core PPI 494 Greece (120) Loan Loss 1 Δ staff OPEX Δ SEE Δ Fees Δ admin & RF Loan Loss Δ NII Δ depreciation (164) Provisions Provisions 1H22 1H23 Core Operating 374 +88.6% 705 Profit PBT2 927 712 1. RF: Resolution Fund. 2. Adju
Slide 32: Asset Quality
1H 2023 Results Asset Quality
Slide 33: Asset quality metrics
Asset quality metrics NPEs formation1 (€ m) NPEs ratio (%) Δ NPEs stock (246) (88) (146) (48) 90 (q-o-q, €m) 5.9% 5.6% 133 Single 5.2% 5.1% 5.2% corporate 119 SEE 20 33 7 13 16 Greece 2Q22 3Q22 4Q22 1Q23 2Q23 3 2Q22 3Q22 4Q22 1Q23 2Q23 Loan loss provision (€ m) NPE coverage (%) 64 74 83 75 88 Cost o
Slide 34: NPEs formation per segment (Greece)
NPEs formation per segment (Greece) Mortgages (€ m) Consumer (€ m) 17 39 42 12 32 26 21 10 10 13 12 7 6 6 3 5 (5) (9) (2) (27) 3Q21 3Q22 2Q22 4Q22 1Q21 2Q21 4Q21 2Q23 1Q22 1Q23 3Q21 3Q22 2Q21 4Q21 1Q21 2Q22 4Q22 1Q22 1Q23 2Q23 Small Business (€ m) Corporate (€ m) 84 1 45 14 25 16 16 17 13 22 17 (38)
Slide 35: NPE metrics (Group)
NPE metrics (Group) 90dpd bridge to NPEs (€ bn) NPEs per region Provisions & 2.2 NPE 0.3 Total NPEs NPE ratio collaterals / 0.6 coverage NPEs 1.2 (€ bn) (%) (%) (%) (1.6) Consumer 0.2 9.7 122.8 124 Mortgages 0.5 6.5 71.1 159 0.6 Small Business 0.4 13.6 68.9 138 Corporate 0.8 4.1 58.8 126 2 90dpd NPF
Slide 36: Loans' stage analysis (Group)
Loans’ stage analysis (Group) Loans’ stage breakdown Provisions stock over NPEs (€ bn) 2Q22 3Q22 4Q22 1Q23 2Q23 73.7% 75.5% 76.0% 73.2% 72.6% Stage 1 32.7 33.6 34.2 34.4 34.9 Stage 2 5.5 5.4 5.4 5.1 5.1 Stage 3 2.4 2.3 2.2 2.1 2.2 (NPEs) 1 Total 40.6 41.3 41.7 41.6 42.2 2Q22 3Q22 4Q22 1Q23 2Q23 Stag
Slide 37: Capital
1H 2023 Results & EUROBANK Holdings Capital
Slide 38: Capital ratios (CET1 FLB3, q-o-q)
Capital ratios (CET1 FLB3, q-o-q) 92bps 35bps 16.3% 16.1% 15.7%2 1bp (3bps) (13bps) (20bps) (25bps) (9bps) Organic growth M&A activity c.80bps 2023 OCR c.(40bps) 9.9%6 1 1 3 Asset Growth 2Q23 PBT securitization 2Q23 Pro Other amortisation Share Buy- Hellenic Bank BNP Bulgaria 1Q23 2Q23 forma Synthet
Slide 39: Capital ratios (CAD, q-o-q)
Capital ratios (CAD, q-o-q) 18.8% 40bps 19.0% 18.6%2 1bp 92bps (13bps) (26bps) (20bps) (9bps) (25bps) Tier II 2.9% Tier II 2.7% CET1 16.1% CET1 15.7% 2023 CAD OCR 14.6% 1 1 3 Asset Growth 2Q23 PBT securitization 2Q23 Pro Other amortisation Share Buy- Hellenic Bank BNP Bulgaria 1Q23 2Q23 forma Synthe
Slide 40: Sustainability commitments and performance
1H 2023 Results Sustainability commitments and performance https://www.eurobankholdings.gr/en/esg-environment-society-governance
Slide 41: The evolving universe of our reporting
The evolving universe of our reporting In our 1st Climate-related and environmental The journey towards a more sustainable Responding to our stakeholders’ risk report, we present detailed information future is continuous. We are constantly expectations and interests, we provide of our governance fra
Slide 42: The Annual Report 2022: Business & Sustainability
The Annual Report 2022: Business & Sustainability Eurobank’s Annual Report 2022 Business & Sustainability, issued in July 2023, expresses the Bank’s new holistic approach on the Environmental, Social, Governance (ESG) aspects of its business through the lens of impact generation. The Report presents
Slide 43: Operational Impact | 1H23 Highlights
Operational Impact | 1H23 Highlights Environment Social Governance Environmental impact “Moving Education Forward” ESG ratings Verified operational carbon footprint as per The Top high-school graduates from each of Sustaining participation in reputable ESG Indices. ISO 14064, in line with National C
Slide 44: Financed Impact | 1H23 Highlights
Financed Impact | 1H23 Highlights Key Principles of our Financed Impact Strategy Our Tangible Outcomes – Key Figures On track ~60% For accomplishing our financed of the H1 2023 gross new impact 2023 portfolio target: more corporate disbursements in the than 20% of our gross new corporate Energy Sect
Slide 45: Program Field 1 | Highlights of achievements in 2Q23
Program Field1 | Highlights of achievements in 2Q23 1. Risk Management 2. Risk Materiality 3. Disclosures 4. Monitoring Indicators Framework Assessment and Dashboard ✓ Publication of the 1st Climate- related and environmental ✓ Establishment of a reporting ✓ Updated CR&E Risk risk report providing d
Slide 46: Macroeconomic update
1H 2023 Results Macroeconomic update
Slide 47: Macro & market developments and FY23 outlook
Macro & market developments and FY23 outlook ▪ 1Q23 growth at +2.1% y-o-y / -0.1% q-o-q, still over-performing the Euroarea; growth expected at 2.2% in 2023, 3.0% in 2024 and 2.7% in 2025 according to the Bank of Greece (Monetary Policy Report, Jun-23). According to the Hellenic Fiscal Council, grow
Slide 48: Domestic Labour Market
Domestic Labour Market The unemployment rate continues to decline Employment remains on an upward trajectory Recovery of productivity requires continued implementation of Long term unemployment drops steeply at the start of 2023 structural reforms and investments Source: ELSTAT, Eurostat, Eurobank R
Slide 49: Selected indicators of domestic economic activity
Selected indicators of domestic economic activity Strong rebound of the ESI since Q4-2022; higher relative to the EA Operating conditions in manufacturing improve for the fifth month in a row Turnover increases in retail trade, however volume drops Manufacturing production increases on an annual bas
Slide 50: Real estate prices: growth accelerates further
Real estate prices: growth accelerates further Q1 2023 Index of Apartment Prices Index of Retail and Office Prices 1Q11 – 1Q23 2H11 – 2H22 Source: BoG 50
Slide 51: Fiscal and current account balances
Fiscal and current account balances ▪ Stability and Growth Pact 2023-2026 fiscal forecasts for 2022 & 2023 (in ESA2010 terms): ▪ 2023 GG primary balance expected at +1.1% of GDP ▪ Current account deficit expected to improve at -7.3% in 2023 and -6.0% of GDP in 2024 from -9.7% of GDP in 2022 (Europea
Slide 52: Sovereign debt profile
Sovereign debt profile General Government gross public debt ▪ According to the SGP2023, the Greek GG Gross Public (% of GDP, ESA terms) Debt is expected at 162.6% and 150.8% of GDP in 2023 and 2024 respectively vs 171.3% in 2022 and a peak of 206.3% in 2020 ▪ 75.8% of the debt stock is held by offic
Slide 53: Bulgaria
Bulgaria • The economy expanded by 2.1%YoY in Q1-2023, below the 2.6%YoY growth reading in Q4-2022 and the 3.4% performance of FY2022 • Further cooling expected; EC (Spring Forecasts, May 2023) foresees a growth rate of 1.5% in 2023 with a rebound of 2.4% in 2024 • Inflation continues to weigh on th
Slide 54: Cyprus
Cyprus ▪ 1Q23 growth rate at 3.4% y-o-y / 0.8% q-o-q ▪ Investments were the main growth driver in 1Q23 (+70.5% y-o-y), due to an immense one-off expansion in transport equipment, from shipping ▪ Deceleration in 1Q23 vs FY22 in private consumption (+5.0% y-o-y), exports of both goods (+3.0% y-o-y) an
Slide 55: Appendix I – Supplementary information
1H 2023 Results Appendix I – Supplementary information
Slide 56: 2023 EU-Wide EBA Stress Test exercise
2023 EU-Wide EBA Stress Test exercise ➢ 12th best position among 70 banks in terms of 3-year depletion of FL CET1 ratio ➢ CET1 ratio depletion under the adverse scenario ▪ 220bps at the end of the 3-year time horizon, with the final FL CET1 ratio at 12.2% in 2025 ➢ Significantly improved results und
Slide 57: Summary performance
Summary performance Balance sheet – key figures Income statement – key figures €m 2Q23 1Q23 €m 2Q23 1Q23 Gross customer loans 42,156 41,686 Net interest income 540.1 502.5 Provisions (1,552) (1,550) Commission income 140.6 129.3 Loans FVTPL 15 16 Operating income 711.6 619.6 Net customer loans 40,52
Slide 58: Consolidated quarterly financials – Income statement
Consolidated quarterly financials – Income statement (€ m) 2Q23 1Q23 4Q22 3Q22 2Q22 Net Interest Income 540.1 502.5 449.2 363.2 344.4 Commission income 140.6 129.3 142.4 133.9 127.6 Other Income 30.9 (12.2) 99.4 43.5 331.7 Operating Income 711.6 619.6 690.9 540.7 803.6 Operating Expenses (221.8) (22
Slide 59: Consolidated quarterly financials – Balance sheet
Consolidated quarterly financials – Balance sheet (€ m) 2Q23 1Q23 4Q22 3Q22 2Q22 Consumer Loans 3,355 2,803 2,752 2,743 2,764 Mortgages 10,033 10,015 10,039 10,100 10,007 Household Loans 13,388 12,818 12,791 12,843 12,771 Small Business Loans 3,701 3,716 3,720 3,700 3,738 Corporate Loans 20,499 20,4
Slide 60: Consolidated financials
Consolidated financials Income Statement (€ m) 1H23 1H22 Δ y-o-y (%) Net Interest Income 1,042.6 667.4 56.2 Commission income 269.9 245.7 9.9 Other Income 18.7 571.1 (96.7) Operating Income 1,331.2 1,484.2 (10.3) Operating Expenses (443.3) (419.2) 5.7 Pre-Provision Income 887.9 1,065.0 (16.6) Loan L
Slide 61: SEE operations key figures – 2Q23
SEE operations key figures – 2Q231 Bulgaria Cyprus Lux Sum Assets 9,056 8,642 2,559 20,257 Gross loans 6,438 2,598 803 9,839 Balance Sheet Net loans 6,245 2,544 802 9,591 (€m) NPE loans 194 86 0 280 Deposits 7,339 7,258 2,319 16,916 CAD2 21.2% 32.1% 23.8% Core Income 94.1 77.0 16.2 187.3 Operating E
Slide 62: Appendix II – Glossary
1H 2023 Results Appendix II – Glossary
Slide 63: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios This document contains financial data and measures as published or derived from the published consolidated financial statements which have been prepared in accordance with International Fina
Slide 64: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Adjusted net profit: Net profit/loss from continuing operations after deducting restructuring costs, goodwill impairment / gain on acquisition, gains/losses related to the transformation pla
Slide 65: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Forborne: Forborne exposures (in compliance with EBA Guidelines) are debt contracts in respect of which forbearance measures have been extended. Forbearance measures consist of concessions t
Slide 66: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios NPE ratio: Non Performing Exposures (NPEs) at amortized cost divided by Gross Loans & Advances to Customers at amortized cost at the end of the reported period. NPEs formation: Net increase/
Slide 67: Investor Relations contacts
Investor Relations contacts Dimitris Nikolos +30 214 4058 834 dnikolos@eurobankholdings.gr Yannis Chalaris +30 214 4058 832 ychalaris@eurobankholdings.gr Christos Stylios, CFA +30 214 4058 833 cstylios@eurobankholdings.gr Investor Relations Division +30 214 4058 834 investor_relations@eurobankholdin
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