Eurobank S.a. · ATHEX:EUROB
Eurobank — 1H 2026 Earnings Presentation
68 slides from Eurobank's earnings presentation, Jul 30, 2026
Slide 1: 1H 2026 results
(A EUROBANK 1H 2026 results 30 July 2026
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 S.A. (“Eurobank”). Given the financial period that this presentation covers, there are refer
Slide 3: Table of contents
Table of contents 1H26 results highlights 4 Regional Presence 12 Balance sheet 17 Profitability 25 Asset Quality 33 Capital 37 Sustainability 40 Macroeconomic update 47 Appendix I – Supplementary information 57 Appendix II - Glossary 63 3
Slide 4: 1H26 results highlights
1H 2026 Results 1H26 results highlights
Slide 5: 1H26 results highlights: Profitability
1H26 results highlights: Profitability P&L (€ m) 2Q26 1Q26 Δ(%) 1H26 1H25 Δ(%) ❑ 1H26 Adjusted Net Profit €776m (reported €738m) Net interest income 685.0 663.5 3.2 1,348.5 1,270.4 6.1 Commission income 210.6 203.0 3.7 413.5 364.5 13.5 ❑ Greece €415m, Cyprus €231m, Bulgaria €119m Other Income 37.2 1
Slide 6: 1H26 results highlights: Balance Sheet
1H26 results highlights: Balance Sheet Volumes Key Balance sheet ratios • Loans organic growth2 at €2.7bn in 1H26 (+10.5% y-o-y); up €1.6bn q-o-q • Deposits up €2.9bn3 in 1H26 (+9.6% y-o-y); up €3.1bn3 q-o-q Group (%) 2Q26 1Q26 4Q25 3Q25 2Q25 • Wealth management performance in 1H26: Capital5 • Manag
Slide 7: Regional breakdown
Regional breakdown Contribution to Net Loans Deposits Wealth Mng Net Profit1 Contribution to Assets (€ bn) Group assets (€ bn) (€ bn) (€ bn) (€m) Group Net profit Greece 66.0 58% 37.3 48.1 14.8 415 53% Cyprus 29.3 26% 9.1 24.1 4.8 231 30% Bulgaria 14.6 13% 9.6 11.6 0.1 119 16% Lux 3% 2% 3.0 1.0 2.6
Slide 8: Core Income
Core Income Δ NII (y-o-y, € m)1 Δ Commission Income (y-o-y, € m) +6.1% +13.5% 59 14 14 1,348 1,270 47 30 414 (49) 365 22 7 (7) (5) (5) 2 Δ Lending 1H25 1H26 Δ Rental & other Δ Wealth & Insurance Δ Capital Markets Δ Network & credit cards Δ Deposits Δ Loans Δ MREL & Tier II 1H25 Δ other 1H26 Δ Bonds
Slide 9: Profitability
Profitability Core PPI and Provisions (€ m) Core Operating Profit2 (€ m) +7.7% +10.0% 952 866 1,100 Core PPI 1,021 1H25 1H26 Profit before Tax3 (€ m) Loan Loss (155) (148) +9.4% Provisions 1H25 1H26 983 898 CoR1 60 53 (bps) 1H25 1H26 1. On net loans. 2. Core Operating profit= Core PPI minus loan los
Slide 10: Capital & TBV
Capital & TBV CET11 TBV per share (€) 15.5% 15.6% 15.4%2 2.64 0.07 DPS3 2.57 2Q25 4Q25 2Q26 2.49 2.38 CAD1 19.8% 20.0% 20.3%2 2Q25 4Q25 2Q26 2Q25 4Q25 2Q26 1. Accounting for payout accrual. Including period profits. Payout subject to relevant approvals. 2. Pro forma SRT (synthetic securitization). 3
Slide 11: 2026 Financial goals
2026 Financial goals FY25 FY26E5 FY26E (February 2026) updated Loans Organic Growth €5.3bn c.€3.8bn c.€4.5bn NII €2.55bn c.+2.5% c.+7.0% ECB DFR (EoP) 2.00% 2.00% 2.25% c.+7% c.+10% Commission Income €770m organic growth organic growth OpEx €1.26bn c.+5.5% c.+5.5% Core Operating Profit1 €1.75bn c.€1
Slide 12: Regional Presence
1H 2026 Results Regional Presence
Slide 13: Eurobank Ltd key P&L metrics
Eurobank Ltd key P&L metrics 1 1H26 Highlights2 Core PPI & Provisions2 (€ m) Net profit3 €231m • NII at €379m Core PPI 154 159 160 143 146 • Commission income at €95m • Cost / core income at 35.4% 2Q25 3Q25 4Q25 1Q26 2Q26 • Core PPI at €306m Provisions (3) 2 (4) (11) (5) Net Profit2,3 (€ m) NPE rati
Slide 14: Eurobank Ltd key B/S metrics
Eurobank Ltd key B/S metrics1 Gross loans (€ bn) Key metrics 8.8 8.6 8.8 9.0 9.2 2Q26 1Q26 4Q25 3Q25 2Q25 Assets (€ bn) 29.3 28.7 28.7 28.1 28.1 5.5 5.3 5.4 5.6 5.7 Business Net loans (€ bn) 9.1 8.9 8.7 8.5 8.7 Capital 2.6 2.6 2.6 2.7 2.7 Mortgages CET12 (%) 32.4 33.1 33.9 36.4 0.7 0.7 0.7 0.7 0.7 C
Slide 15: Bulgaria key P&L metrics
Bulgaria key P&L metrics1 1H26 Highlights Core PPI and provisions (€ m) Net profit2 €119m, up 7.8% y-o-y 86 92 • NII up 17.4% y-o-y at €234m Core PPI 78 79 81 • Commission income down 1.4% y-o-y at €46m • Cost / core income at 36.7% 2Q25 3Q25 4Q25 1Q26 2Q26 • Core PPI at €177m, up 17.6% y-o-y Provis
Slide 16: Bulgaria key B/S metrics
Bulgaria key B/S metrics1 Gross loans (€ bn) Key metrics 9.3 9.8 2Q26 1Q26 4Q25 3Q25 2Q25 8.4 8.7 8.9 3.9 4.1 Business Assets (€ bn) 14.6 14.0 13.6 12.7 12.4 3.7 3.7 3.7 Net loans (€ bn) 9.6 9.1 8.7 8.5 8.2 2.8 3.0 3.1 3.3 Mortgages 2.7 Capital 2.1 2.1 2.2 2.3 2.4 Consumer CET1 (%)2 19.5 20.3 20.4 2
Slide 17: Balance sheet
1H 2026 Results Balance sheet
Slide 18: Balance sheet composition
Balance sheet composition Assets (€ bn) Liabilities and Equity (€ bn) 112.9 112.9 108.0 108.0 57.0 Net loans 54.7 86.4 Deposits 82.7 25.4 29.1 Investment Securities Other3 3.6 4.1 Cash & Central banks 15.6 14.4 3.8 Wholesale funding 4.3 Placements to banks 2.4 2.5 Senior Preferred notes 5.5 6.1 Inve
Slide 19: Securities portfolio
Securities portfolio Breakdown per issuer Breakdown per classification FVTPL & Trading1, CLOs (AAA), 5% 6% FVTPL & Trading1, 6% Covered Bonds; 7% Greek Sovereign, 21% FVOCI, 13% Financial Institutions, 8% €29.1bn €29.1bn Corporate bonds; 11% EU Amortized Cost, 81% Governments, 35% Other US Treasurie
Slide 20: Gross Loans
Gross Loans Breakdown by country (€ bn) Breakdown by type (€ bn) Organic1 growth +€1.6bn q-o-q; +€2.7bn in 1H26 (+10.5% y-o-y) 57.1 58.1 58.1 56.0 Lux 56.0 57.1 53.6 54.3 53.6 54.3 3.8 3.9 Senior Notes 9.2 Cyprus 4.0 8.8 9.0 4.2 4.1 8.8 8.6 8.9 9.3 9.8 Bulgaria 8.4 8.7 34.3 35.2 36.3 Business 32.1 3
Slide 21: Deposits
Deposits Breakdown by country (€ bn) Time / Total 34% 33% 33% 32% 33% Deposits +€3.1bn1 q-o-q; +€2.9bn1 in 1H26 (+9.6% y-o-y) Group 31% 31% Greece 29% 30% 30% 86.4 82.7 82.4 Lux 78.2 79.0 2Q25 3Q25 4Q25 1Q26 2Q26 24.1 Cyprus 23.9 23.8 23.3 23.3 11.6 Bulgaria Breakdown by customer 9.7 11.0 11.1 9.4 4
Slide 22: Liquidity
Liquidity Net loans / Deposits ratio Net ECB position (€ bn) 14.9 14.6 67.6% 13.3 13.4 66.9% 66.9% 66.1% 66.0% 11.4 2Q25 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Liquidity coverage ratio (LCR) HQLAs1 Group Greece Cash , Level 2 Assets, 3% 191.2% 191.1% 1% 187.8% 180.4% 177.4% 190.5% 179.1% € 25.
Slide 23: MREL position
MREL position MREL (% RWAs) MREL buffer of c.330bps 31.3% • 2Q26 MREL ratio at 31.3% of RWAs; c.330bps above the MREL target 28.0% of 28% Senior preferred 11.0 4.5 CBR1 liabilities2 • In April and May 2026, the Bank issued €400m and €700m senior preferred bonds respectively; in early-May the Bank re
Slide 24: Wealth Management
Wealth Management Managed Funds (AuM, € bn) Private Banking (CAL1 per booking, € bn) +10.2% +29.2% 14.9 14.5 11.0 14.0 14.1 13.5 10.2 9.9 9.3 4.8 5.1 Greece 4.8 4.7 8.5 4.6 7.2 Own Mutual Funds 6.8 6.7 6.5 4.7 4.6 Cyprus 6.1 4.4 4.3 4.2 1.7 3rd party Funds 1.5 1.6 1.4 4.7 4.9 5.0 5.1 5.3 Luxembourg
Slide 25: Profitability
1H 2026 Results Profitability
Slide 26: Loan spreads & rates
Loan spreads & rates Client rates (bps) Lending spreads (bps)1 Greece 2Q25 3Q25 4Q25 1Q26 2Q26 Greece 2Q25 3Q25 4Q25 1Q26 2Q26 Corporate 464 432 423 417 418 Corporate 190 184 181 178 173 Retail 498 482 479 482 495 Retail 313 317 311 311 311 Consumer 1,025 1,016 1,038 1,028 1,031 Consumer 812 820 839
Slide 27: Net Interest margin & deposit spreads
Net Interest margin & deposit spreads Net Interest margin (bps) Deposit spreads (Greece, bps) 282 282 275 275 277 2Q25 3Q25 4Q25 1Q26 2Q26 SEE 250 246 245 246 248 Savings & Sight 207 189 190 192 199 Group Time 78 66 64 62 65 226 225 224 223 223 Greece Total 168 154 154 155 161 2Q25 3Q25 4Q25 1Q26 2Q
Slide 28: Net Interest Income
Net Interest Income NII breakdown (€ m)1 Δ NII (q-o-q, € m)1 1H26 NII up 6.1% y-o-y 1Q26 664 2Q25 3Q25 4Q25 1Q26 2Q26 Δ Loans 19 Loans 589 571 577 578 597 Bonds 200 203 209 222 244 Δ Bonds 22 Central banks 65 61 57 53 52 Money Market & +3.2% 12 12 10 16 12 Δ Central banks (2) Repos Senior notes (62)
Slide 29: Commission Income
Commission Income Commission income breakdown (€ m) Commission income per region (€ m) Fees/ assets 1H26 commission income up 13.5% y-o-y; up 3.7% q-o-q (bps) 77 75 81 75 76 213 211 213 211 203 203 195 193 195 193 44 Lending 67bps / 36 65 51 37 assets 72 78 71 75 69 SEE 78 Transactions 83 82 63 66 &
Slide 30: Operating expenses
Operating expenses OpEx per region (€ m) OpEx breakdown (Group, € m) 1H26 OpEx up 7.8% y-o-y; up 0.4% q-o-q 328 330 332 662 310 316 614 20 Regulatory charges 13 37 Depreciation 139 131 148 145 SEE 34 138 126 IT1 115 197 112 Administrative 172 177 182 186 Greece 104 2Q25 3Q25 4Q25 1Q26 2Q26 347 367 S
Slide 31: Pre-provision income (PPI)
Pre-provision income (PPI) Core PPI and other income (€ m) Δ Core PPI (q-o-q, € m) 7 20 6 11 37 Other income 518 508 532 536 564 8 564 259 22 240 230 247 239 SEE 536 (2) 278 279 285 298 304 Greece 2Q25 3Q25 4Q25 1Q26 2Q26 PPI per region (€ m) 601 525 528 538 547 1Q26 Δ NII Δ OpEx 2Q26 Δ Commission 2
Slide 32: Core Operating Profit
Core Operating Profit Δ Core Operating Profit (y-o-y, € m) Core Operating Profit per region (€ m) Core Operating 866 952 493 Profit 462 460 Lux 439 426 78 49 155 Cyprus Core PPI 1,100 135 1,021 155 151 146 (48 ) 60 73 Bulgaria 66 66 66 257 Greece 232 258 213 207 Loan Loss (155) (148) Δ OpEx Δ Commis
Slide 33: Asset Quality
1H 2026 Results Asset Quality
Slide 34: Asset quality metrics
Asset quality metrics NPE formation1 (€ m) NPE ratio (%) Δ NPE stock (37) 34 (97) 36 (28) 2.8% 2.8% (q-o-q, €m) 2.6% 2.6% 49 2.5% 45 42 45 SEE 12 Greece 2Q25 3 3Q25 4Q25 1Q26 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Loan loss provision (€ m) NPE coverage (%) 61 63 52 55 50 Cost of Risk2 120 (bps) 95.2% 92.8% 9
Slide 35: NPE metrics
NPE metrics 90dpd bridge to NPE (€ bn) NPE per region Provisions & NPE Total NPE NPE ratio collaterals / coverage 0.2 1.4 NPE 0.6 (€ m) (%) (%) (%) 0.7 Consumer 106 5.9 117 117 (1.2) Mortgages 369 5.4 82 182 0.3 Small Business 296 11.2 55 134 Corporate 273 1.0 86 163 2 90dpd NPF 0- UTP NPE Stock of
Slide 36: Loans' stage analysis
Loans’ stage analysis Loans’ stage breakdown Provisions stock over NPE (€ bn) 2Q25 3Q25 4Q25 1Q26 2Q26 95.2% 92.8% 94.0% 94.1% 82.4% Stage 1 46.8 47.6 49.6 50.6 52.2 Stage 2 5.0 5.0 4.9 4.8 4.3 Stage 3 (NPE) 1.5 1.5 1.4 1.5 1.4 2 Total 53.4 54.3 56.0 57.1 58.11 2Q25 3Q25 4Q25 1Q26 2Q26 Stage 2 loans
Slide 37: Capital
1H 2026 Results @ EUROBANK Capital
Slide 38: Capital ratios (CET1, q-o-q)
Capital ratios (CET1, q-o-q) 76bps 15.4% 24bps 15.4%2 (42bps) (43bps) (10bps) (5bps) (4bps) 13.0% 10.7% 2026 OCR 2 1Q26 1 2Q26 2Q26 Asset DTC AT1 coupon Other SRT 2Q26 1 Internal mng Net Profit Payout 3 Growth acceleration payment target Accrual RWAs 53,503 54,201 (€ m) Capital 8,227 8,321 (€ m) 1.
Slide 39: Capital ratios (CAD, q-o-q)
Capital ratios (CAD, q-o-q) 76bps 20.3%2 20.4% 33bps (42bps) (57bps) (10bps) (5bps) (7bps) Tier II 3.0% 2.9% Tier II AT1 2.0% 20.0% AT1 2.0% CET1 15.4% 15.4% CET1` 1Q26 1 2Q26 2Q26 3 Asset DTC AT1 coupon Other SRT 2 2Q26 1 Net Profit Payout accrual Growth acceleration payment RWAs 53,503 54,201 (€ m
Slide 40: Sustainability
1H 2026 Results Sustainability https://www.eurobank.gr/en/group/esg-environment-society-governance
Slide 41: Financed Impact Strategy – Progress & Key Figures
Financed Impact Strategy – Progress & Key Figures Key metrics highlighting the Group’s Key achievements supporting our sustainable finance agenda sustainable financing progress Sustainable & Transition Financing Frameworks ✓ Sustainable financing exposure of more than The updated Sustainable Finance
Slide 42: Operational Impact Strategy Highlights – Environment
Operational Impact Strategy Highlights – Environment • 14,5 MWh total electricity consumption • 8.8% reduction in total electricity consumption compared to 1H 2025 • 97.9% of total electricity consumed was sourced from Renewable Energy Sources (Certified Guarantees of Origin plus own production) Env
Slide 43: Operational Impact Strategy Highlights – Social
Operational Impact Strategy Highlights – Social Inclusive Entrepreneurship • In May 2026, Eurobank, through Venture Banking and the egg Accelerator, launched the HealthTech Cluster, a specialised innovation initiative supporting startups in health, biotechnology and life sciences. The Cluster connec
Slide 44: Operational Impact Strategy Highlights – Governance & Business
Operational Impact Strategy Highlights – Governance & Business Sustainable Procurement • Eurobank hosted a dedicated Sustainable Procurement Workshop with strategic suppliers, strengthening supplier engagement on sustainability matters, facilitating the exchange of best practices and initiatives, an
Slide 45: Sustainability Ratings
Sustainability Ratings • Sustainalytics – Eurobank has been ranked in the “Low“ risk category and together with the important ESG Regional Top Rated 2025 and ESG Industry Top Rated 2025 distinctions, is placed among the top 6% of banks worldwide (47th out of 1,001 banks) • MSCI – Eurobank retained i
Slide 46: Awards & Distinctions
Awards & Distinctions • Best Digital Bank in Greece 2026 –Euromoney Awards for Excellence • Europe's Climate Leaders 2026 - Financial Times • Diversity Label - Ministry of Social Cohesion and Family Affairs • BrainReGain 2025 Recruitment Champion - Hellenism in Action – BrainReGain 46
Slide 47: Macroeconomic update
1H 2026 Results Macroeconomic update
Slide 48: Macro outlook
Macro outlook Current 2026 GDP Forecasts Pre-war estimates Greece c. 2.3% c. 1.8 - 1.9% Cyprus c. 3.5% c. 2.5 - 2.8% Bulgaria c. 3.2% c. 2.7 - 2.9% • ECB projections for the Euro area (Jun-26) point to GDP growth of 0.8% in 2026, down from a pre-crisis forecast of 1.2% (Dec-25). Headline HICP inflat
Slide 49: Macro highlights (Greece)
Macro highlights (Greece) ▪ The economy continued to expand at a robust 2.0% y-o-y in 1Q026, with investment, private consumption and exports all contributing. According to the Bank of Greece (Jul-26), GDP growth is projected at 1.9% in 2026, 1.9% in 2027 and 2.0% in 2028, continuing to outperform t
Slide 50: Regional GDP growth continues to overperform the Euro Area
Regional GDP growth continues to overperform the Euro Area Real Gross Domestic Product Annual Real GDP growth rate in 1Q26 115 112.4 7% Private consumption +0.7% 6% 110 Goverment consumption +1.6% Fixed investment +12.1% 5% Annual % change of real GDP Exports +2.4% 105 Imports +0.5% 100 4% Index 201
Slide 51: High frequency indicators (soft data): Greece vs the Euro Area
High frequency indicators (soft data) : Greece vs the Euro Area Economic sentiment indicator PMI manufacturing index 125 68 Greece Greece 115 Euro Area 108.3 63 Euro Area 58 53.8 105 53 95 Index Index 48 95.0 51.4 85 43 75 38 65 33 55 28 Jun-11 Jun-13 Jun-17 Jun-10 Jun-12 Jun-14 Jun-15 Jun-16 Jun-18
Slide 52: Real estate: apartment prices & retail and office prices (Greece)
Real estate: apartment prices & retail and office prices (Greece) Apartment prices Retail and office prices 120 20% 125 Retail prices (LHS) 112.8 15% Index of apartment prices (LHS) 102.3 Office prices (LHS) Annual change (RHS) 15% 5.1% 110 115 Retail, annual change (RHS) 111.9 4.7% 10% Office, annu
Slide 53: Real estate market dynamics (Greece)
Real estate market dynamics (Greece) Mortgage loans by Greek MFIs to domestic households Apartment Price Index over household Real estate market volumes gross disposable income per capita annual flows, EUR bn sale deeds registered, thousand 17.5 17.5 225 2007 = 100 110 15.0 15.0 200 12.5 12.5 175 10
Slide 54: Fiscal and current account balances (Greece)
Fiscal and current account balances (Greece) ▪ Greece’s fiscal position has strengthened materially, with the GG primary surplus rising, from 2.0% of GDP in 2023, to 4.8% in 2024 and 4.9% in 2025; the headline GG balance posted a 1.7% of GDP surplus in 2025 (from 1.3% of GDP in 2024) versus a 2.9% E
Slide 55: Cyprus
Cyprus ▪ GDP growth deceleration to 3.0% in 1Q 2026 from 4.3% in 4Q 2025. The EC (May-26) projected growth of 2.3% in 2026 and 2.7% 2027 ▪ Inflation at 4.1% in Jun-26, from 0.9% in Feb-26, mainly due to energy inflation (+13.6% from -8.8% in Feb.) and higher food inflation. The EC foresees average i
Slide 56: Bulgaria
Bulgaria ▪ Growth at 3.1% in 1Q 2026, slightly stronger than 2.9% in 4Q 2025. The EC expects GDP to increase by 2.5% this year and 2.2% in 2027 ▪ Unemployment at a historical low of 3.2% in 1Q 2026 ▪ Inflation slowdown to 5.2% in June from from 6.3% in May; yet it remains much higher than pre-war le
Slide 57: Appendix I – Supplementary information
1H 2026 Results Appendix I – Supplementary information
Slide 58: Credit ratings
Credit ratings Greek Sovereign Cyprus Sovereign Bulgaria Sovereign Eurobank Eurobank Credit Rating Credit Rating Credit Rating Long Term Outlook Baa3 A3 Baa1 Baa1 Negative BBB A- BBB+ BBB- Positive BBB A- BBB+ BBB Stable BBB A BBB high BBB high Stable Note: Moody’s: Long term senior unsecured debt r
Slide 59: Consolidated quarterly financials – Income statement
Consolidated quarterly financials – Income statement (€ m) 2Q26 1Q26 4Q25 3Q25 2Q25 Net Interest Income 685.0 663.5 646.8 631.8 632.5 Commission income 210.6 203.0 213.2 192.8 195.2 Other Income 37.2 11.0 6.0 19.8 6.6 Operating Income 932.7 877.5 865.9 844.4 834.4 Operating Expenses (331.8) (330.3)
Slide 60: Consolidated quarterly financials – Balance sheet
Consolidated quarterly financials – Balance sheet (€ m) 2Q26 1Q26 4Q25 3Q25 2Q25 Consumer Loans 5,119 4,968 4,816 4,767 4,687 Mortgages 12,957 13,101 12,934 12,865 12,750 Household Loans 18,076 18,069 17,750 17,631 17,438 Small Business Loans 3,532 3,587 3,571 3,526 3,605 Corporate Loans 32,763 31,6
Slide 61: Consolidated financials
Consolidated financials Income Statement (€ m) 1H26 1H25 Δ y-o-y (%) Balance sheet – key figures (€ m) 1H26 1H25 Δ y-o-y (%) Net Interest Income 1,348.5 1,270.4 6.1 Consumer Loans 5,119 4,687 9.2 Commission income 413.5 364.5 13.5 Mortgages 12,957 12,750 1.6 Other Income 48.2 26.6 81.4 Household Loa
Slide 62: SEE operations key figures – 2Q26
SEE operations key figures – 2Q26 Bulgaria Cyprus Lux Sum Assets 14,600 29,254 2,982 46,836 Gross loans 9,819 9,171 1,024 20,014 Balance Sheet Net loans 9,598 9,058 1,024 19,680 (€m) NPE loans 233 157 0 390 Deposits 11,640 24,136 2,541 38,317 CAD1 21.0% 34.6% 28.3%4 Core Income 142.6 242.1 19.5 404.
Slide 63: Appendix II – Glossary
1H 2026 Results Appendix II – Glossary
Slide 64: 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 65: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Adjusted net profit: Net profit/loss attributable to equity holders of the parent company excluding restructuring costs, goodwill impairment / gain on acquisition, gains/ (losses) related to
Slide 66: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios Fees & commissions over assets ratio: The Fees and commissions of the reported period, annualized and divided by the average balance of continued operations’ total assets (the arithmetic ave
Slide 67: Glossary – Definition of Alternative Performance Measures
Glossary – Definition of Alternative Performance Measures (APMs) & other selected financial measures / ratios NPE Coverage ratio: Impairment allowance for loans and advances to customers and impairment allowance for credit related commitments (off balance sheet items), divided by NPEs at the end of
Slide 68: Investor Relations contacts
Investor Relations contacts Dimitris Nikolos +30 214 4058 834 dnikolos@eurobank.gr Yannis Chalaris +30 214 4058 832 ychalaris@eurobank.gr Christos Stylios, CFA +30 214 4058 833 cstylios@eurobank.gr Constantinos Pittalis c.pittalis@eurobank.cy Investor Relations Division +30 214 4058 834 investor_rel