Eurobank S.a. · ATHEX:EUROB
Eurobank — Grant Thornton Greece — Investor Presentation (2020)
27 slides from Eurobank's investor presentation, 2020
Slide 1: Greek Businesses: Growth challenges - Financial Health & Growth Matrix
©) GrantThornton Greek Businesses: ‘ Growth challenges < Tavtotnta NpokAnoeic avéAvonc Kepdogopiag Oavaons =bvac, Partner i - ° Xplotiva Toipevn, Partner : 2 Aiva Ka@a, Partner Financial Health & Growth Matrix . = ZtpatnyiKéc NpoKAnoeic - * TIPOKANGEIG = EmtevO0GEWV | = SS
Slide 2: Identity of the analysis
Tautotnta avaAvons it Meher MovtéAo ws OIKOVOPIKOV | OTOIXEIWV agioAdynons ‘ Cray eccce eeeee F F International . 8.000 etaipeiec Finagial Business Report 92 KAGdol Health & Growth 2013-2018 Matrix
Slide 3: Identity of the analysis
~~ Tavtotnta ALN NpokAnosic Kepdogopiac “ME pl Mooodoxieg y NpokAnosic ETIEVOUOEWV ATtOAOYIOUOG vs Mpoodokiec ZTPOTNHYIKEG TIPOKANOEIC SMEs vs Meydaec Nepioptoyoi XTPATHYIKEG ;
Slide 4: Greek Businesses: Growth challenges
©) GrantThornton Greek Businesses: ‘ Growth challenges < Tavtotnta NpokAnoeic avéAvonc Kepdogopiag Oavaons =bvac, Partner i - ° Xplotiva Toipevn, Partner : 2 Aiva Ka@a, Partner Financial Health & Growth Matrix . = ZtpatnyiKéc NpoKAnoeic - * TIPOKANGEIG = EmtevO0GEWV | = SS
Slide 5: Profitability challenges
NpokANnoEIc Kepdogopiac 4 Amtodoylopoc kKoAUTEph amtddoon TH TeAEUTAIOS Setiag Lo 5% avbénon MWANOEWV 6 Ou 10 avénon TWAnoEwv 7) abénon kepdav TIPO POpwv 7 OTIC 10 GetiKr TIPO. Popwv Kepdogopia
Slide 6: Profitability challenges
NpoKkAnoseic | KEpdOgoOpPiIAG ATtOA0yIOLOG @nHloyoveyv ETUXEIPIOEWV He SlaXpovika TrpOBANPata 3 OTIC 10 Cnuloyovec Oy IEG eival Cnuloyovec yia Ta teAeutaia 3 étry AiciOp~wvovv To 50% TOV Chiov Tov.2018
Slide 7: Profitability challenges: expectations and contrasts
NpoKkAnoseic kKepdo@opiac Npoodokiec Avtidetec TIPOKANOEIG - AIO@OPETIKEG TIpoodokiec EAAGOa 8 OTOUG 10 QIGIOS0E01 yia TLAAN|GEIG kal Kepdo@opia Evupormn 5 OTOUG 10 aicidd0Z01 via TWANG kal Kepdo@opia
Slide 8: Profitability challenges: expectations
NpokAnoeic kKepdogopiac Npocdokieg 5 OTIG 10 avayévouv avamtuén HEoW e~aywyav 3 OTIC 10 etaywyéec oTnv Eupoomn 2 OulG 10 e€aywyec OTOV UTTOAOITTO!KOO}IO LuyKpatnpevnyn 4 OnIc 10 d1d8eon ° SEAYOYIKEG ETTIXEIPNOEIC , OvaysveoVv avarttven Be NED péaw etaywyew
Slide 9: Greek Businesses: Growth challenges
©) GrantThornton Greek Businesses: ‘ Growth challenges < Tavtotnta NpokAnoeic avéAvonc Kepdogopiag Oavaons =bvac, Partner i - ° Xplotiva Toipevn, Partner : 2 Aiva Ka@a, Partner Financial Health & Growth Matrix . = ZtpatnyiKéc NpoKAnoeic - * TIPOKANGEIG = EmtevO0GEWV | = SS
Slide 10: Investment challenges
NpoKkAnoeic ETLEVOVOEWV ATLOAOYIGHOG Baoikoc TLIEPIOPIGOG n ducKoAia TipooBaons oe XPNHatodotnon 1,5% HEIMONKE O OUVOAIKOC SavElaudc WV, 1,2% HElwmOnkay To idia Kepaaaia 10.
Slide 11: Investment challenges
NpokAnoeic eTTEVOUGEWV 2 ouc 10 6 one 10 dvoKOAIA Suvatotnta avtTAnons e€UTINpETNONS Saveiwv | TIPOGBETWV KEgaAdiov ATtoAoyloyoG 44 dio. dvoKOAiA dSuvatorntar AvekpetoAAcutn ; e€UTINPETHONS AvTANONSG SvvapiKy daveinv TIPOOBETOV vs KEQOAGIOV XpnpoatodoriKkéc avayKEeG 11.
Slide 12: Investment challenges: expectations
NpoKAnoEic ETIEVOUOEWV Npoodokiec 4 OIG 10 avayevovv avénon ETIEVOUCEWV OF yA / KTIPIO 6 OTIC 10 avapévouv avénon ETIEVOUOEWV OE unxavypata / sEoTTAIO UO 3 onc 10 avayévouv avénon eTtevOUoEwv o& R&D _. 12.
Slide 13: Investment challenges: expectations and contrasts
NpoKANoEic ETTEVOUDOEWV Mpoodokiec Avtidetec TIPOKANOEIG — Ala@opetikéG Tipoadokiec ° . . . ° ° . ° . . . ° ° ° e ° EAAGOa 6 oTouc 10 avapévouv avénon OINnv amtacxXoAnon 5 oTOUG 10 avapévouv avénon OTOUG LIoBo0Uc Euporn 4 OTOUG 10 avayévouv avénon OTNv amtacxXoAnon 7 OTOUG 1 avopévouv avénon OTOUG H
Slide 14: Greek Businesses: Growth challenges
©) GrantThornton Greek Businesses: ‘ Growth challenges < Tavtotnta NpokAnoeic avéAvonc Kepdogopiag Oavaons =bvac, Partner i - ° Xplotiva Toipevn, Partner : 2 Aiva Ka@a, Partner Financial Health & Growth Matrix . = ZtpatnyiKéc NpoKAnoeic - * TIPOKANGEIG = EmtevO0GEWV | = SS 14.
Slide 15: Financial Health & Growth Matrix
Financial Health & Growth Matrix s™ am VA SPOTLIGHTERS Wf 2 Ou 10 Avarttvén A ILLUMINATORS 3 OTIC 10 GLOOMERS 4 Cait 10 > Yycia MOONLIGHTERS 1 OUIG 10 @ ©) GrantThornton
Slide 16: Financial Health & Growth Matrix
Financial Health & Growth Matrix s™ a VA SPOTLIGHTERS Wf 2 Ou 10 Avarttvén +10% TEOAH GEG ILLUMINATORS 3 OTIC 10 GLOOMERS 4 Cait 10 -1% TEeATEIG > Yycia MOONLIGHTERS 1 OUIG 10 @ ©) GrantThornton
Slide 17: Financial Health & Growth Matrix
Financial Health & Growth Matrix s™ a VA SPOTLIGHTERS Wf 2 Ou 10 Avarttvén 9 Ou 10 KepSo@opec ILLUMINATORS 3 OTIC 10 GLOOMERS 4 Cait 10 5 ou 10 Znmoyovec, > Yycia MOONLIGHTERS 1 OUIG 10 @ ©) GrantThornton
Slide 18: Financial Health & Growth Matrix
Financial Avaretuén Health & ‘~ Growth sas Matrix VA SPOTLIGHTERS 2 OulG 10 3 otic 10 +3% Kadapdc Saveiopoc, ILLUMINATORS > Yycia GLOOMERS MOONLIGHTERS 4 Cita 10 -6% 1 OTIC 10 KaBapoc Saveiopdc @ ©) GrantThornton
Slide 19: Greek Businesses: Growth challenges
©) GrantThornton Greek Businesses: ‘ Growth challenges < Tavtotnta NpokAnoeic avéAvonc Kepdogopiag Oavaons =bvac, Partner i - ° Xplotiva Toipevn, Partner : 2 Aiva Ka@a, Partner Financial Health & Growth Matrix . = ZtpatnyiKéc NpoKAnoeic - * TIPOKANGEIG = EmtevO0GEWV | = SS 19.
Slide 20: Strategic challenges: SMEs vs large companies
CTpatnyiKéc TIPOKANGEIG SMEs vs Meyaaec 1 Baton tg EAANvIKtG I ETUIXEIPNMOTIKOTI TO Api®udc Etaipeiaov 93% SMEs* | wml 7% Meyadec KUKAOc Epyadiav 28% SMEs* 72% Meyarsc 20.
Slide 21: Strategic challenges: SMEs vs large companies
LTPOTNHYIKEG TIPOKANOEIC y SMEs vs MeyaaAec TLAPOVOHAOTHC \ Tteplopiopévn, SMEs +33% NwAroeic 2013-2018 +49% EBITDA 2013-2018 -1% Ka8apdc davetopog 2013-2018 MeyaAec +2% NwAnoeic 2013-2018 +31% EBITDA 2013-2018 -22% Ka8apdc daveiopoc 2013-2018 21.
Slide 22: Strategic challenges: constraints
} ZTPOTNHYIKEG TLPOKANOEIG Nepiopiopoi Nepiopicpoi oty XPNHATOSOTHON ABeBoudtnta OIKOVOPIKOO TrepiBOAAOVTOG TayXOTNHTO Twv = 5 ! P =) TEXVOAOYIKOV TIPOTEPALOTHTA F yla ovyxpova eteditewv TIPOBANHPata Yunay gopodoyia Nowpikéc d1adiKkaoiec & YpapeioKpatia KAIPOTIKT, aAAayr 22.
Slide 23: Strategic challenges: expectations for the economic environment
ZTIPATNHYIKEG TIPOKANOEIC Npoodokiec yia To OIKOVOLIKO TLepIBAAAOV 2013 2014 @ Greece 2015 2016 @ European Union Ypndotepn aiolodoéia o& OXéon HE THV Evpormn 2017 2018 Global 2019 7 atouG 10 AIG1Od50Zol yia TO eyXwplo OIKOVOHIKO KAia 5 atau 10 MIGIOS0£0o1 yia To die8véc OIKOVOLIKO KAiLa ) GrantThorn
Slide 24: Strategic challenges: growth strategies
LZTPOTNHYIKEG TIPOKANGEIC TTIPATHYIKEG aVaTITUENG AtroTeAcopatikoTnta AeiToupyiag TrwArGEWwy Etnikévipwon o€ ayopéc Tou cowTepikou Avarugn véwv Trpolévtwv / uTInpeciwv >| NpooéAkuon e€eldikeuyEvou TIPOGWTTIKOU / TAAEVTWV Anwn/ avadiap8pwon xenyaTodotnons Emrikévipwon oe ayopéc Tou e€wrepikou E€ayopé
Slide 25: Strategic challenges: growth strategy
XTPOTNYIKEG TIPOKANGEIC Erpatnyikéc avarcTvEns Av8@partivo SUVOPIKO Kavotopec nal th * Efwotpepeia 1déEG . Etaipikny Yngiakh UTLEVBUVOTHTA ete _ ekéAEn 25.
Slide 26: Strategic challenges: growth strategy
XTPOTNYIKEG TIPOKANGEIC Trpatnyikéc avarewvéns Av8@partivo SUVOPIKO Kaivotopec 10EEC Biooiwn AVaTITVEN Etaipikny UTTEVOUVOTNTA Efmotpegera WngiaKkh ekéAen 26.
Slide 27: Greek Businesses: Growth challenges
©) GrantThornton Greek Businesses: ‘ Growth challenges < Tavtotnta NpokAnoeic avéAvonc Kepdogopiag Oavaons =bvac, Partner i - ° Xplotiva Toipevn, Partner : 2 Aiva Ka@a, Partner Financial Health & Growth Matrix . = ZtpatnyiKéc NpoKAnoeic - * TIPOKANGEIG = EmtevO0GEWV | = SS 27.