CrediaBank S.A. · ATHEX:CREDIA

CrediaBank — Attica Bank — Q3 2016 Earnings Presentation

27 slides from CrediaBank's earnings presentation, December 2016

  1. Slide 1: Q3 2016 Financial Results

    Presentation Q3 2016 Financial Results December 2016

  2. Slide 2: Q3 2016 at a glance

    Click to edit Master text styles Second level Q3 2016 at a glance Third level Fourth level Fifth level 2

  3. Slide 3: Q3 2016 at a glance

    Q3 2016 at a glance Capital amounts in (€ m) 30.09.2016 31.12.2015 Change %  CET 1 ratio: 15.23%  Own Equity: € 663.6 million Total Loans before provisions 4,024.7 3,927.6 2.47% Stock of Provisions 1,198.1 1,170.0 2.39% Profitability  Profit before provisions for credit and other Deposits 1,875.2

  4. Slide 4: Q3 2016 at a glance: customers and e-banking

    Q3 2016 at a glance  Customer basis widening consistently and electronic services expanding. e-Banking users, Q3 2015 - Q3 2016 Total 30,439 32,313 38,442 Number of customers, Q3 2015 - Q3 2016 32,562 27,489 31,000 680,000 25,823 675,706 30,500 673,873 Click to edit Master text styles 5,880 671,863

  5. Slide 5: Loans

    Click to edit Master text styles Second level Third level Loans Fourth level Fifth level 5

  6. Slide 6: Loan Portfolio Overview

    Loan Portfolio Overview  Total loan book at € 4.0 bn. as at 30 September 2016.  Almost 80% of total portfolio consist of loans to businesses, 12.6% in mortgage loans and the remaining 7.5% in other retail loans.  Provisions as at 30 September 2016 stood at 29.8% of total gross loans (€ 1.20 bn).

  7. Slide 7: Loan Portfolio Overview by type and sector

    Loan Portfolio Overview Loans before provisions by type (Total as at 30.09.2016: € 4.0 bn) State Leasing 0.8% 7.4% Loans to Private Individuals 19.7% Loans to Businesses Click to edit Master text styles 72.1% Second level Third level Loans to Private Individuals by Type Loans to Businesses by Sector

  8. Slide 8: Asset Quality

    Asset Quality Stock of provisions (EUR m) and NPEs provision Stock of NPEs (€ m) and NPE ratio (%) coverage after write-offs (%) 58.9% 60.00% 2,500 58.0% 56.5% 58.00% 1,400 2,000 55.8% 56.0% 56.00% 1,200 52.8% 54.0% 1,500 54.00% 1,000 50.9% 2,371 800 50.5% 52.0% 50.0% Click to edit Master text style

  9. Slide 9: Asset Quality: NPE breakdown and concentration

    Asset Quality Breakdown of NPEs by type, 30.09.2016 (1) Concentration of NPEs - 30.09.2016 98.7% 99.2% 99.6% 99.8% 99.9% 100.0% 35,000 94.4% 100% 88.7% 29,419 90% Consumer Large 30,000 80.8% Credit Corporates 26,478 9.0% 15.5% 80% 23,536 Mortgages 10.6% Click to edit Master text styles 25,000 58.6%

  10. Slide 10: Asset Quality: collateral value

    Asset Quality Evolution of NPE portfolio collateral value (€ m) and Evolution of total portfolio and collateral value (€ m) and collateral coverage (%) collateral coverage (%) of total gross loans 48.2% 51.5% 51.0% 50.1% 49.2% 4,500 52% 3,928 4,025 2,500 2,371 50% 4,000 3,781 52% 2,109 50% 3,500 2,0

  11. Slide 11: Asset Quality: evolution of NPEs

    Asset Quality Evolution of NPEs, FY 2015 – Q3 2016 (€ m) 2,500 15 2,371 68 70 2,218 2,000 Click to edit Master text styles 1,500 Second level 1,000 Third level Fourth level 500 0 4Q15 1Q16 2Q16 3Q16 Fifth level Total  New NPE formation consistently slowing down during 2016. 11

  12. Slide 12: Funding

    Click to edit Master text styles Second level Third level Funding Fourth level Fifth level 12

  13. Slide 13: Funding and Liquidity

    Funding and Liquidity Evolution of Deposits (€ mn)  In September 2016, the Bank’s deposits balances were reduced significantly due to unfavorable media 2,580.5 publicity. 2,142.5  As at September 30th 2016, deposits stood at 1,875.2 approximately € 1.9 bn.  Deposit balances have rebounded since N

  14. Slide 14: Evolution of Deposits

    Evolution of Deposits Breakdown of deposits by type, 30.09.2016 Other 1.5% Current accounts 23.5%  Core deposits (sight and savings) account for 47.4% of total deposits, as deposits mix has Click to edit Master text styles Time Deposits 51.1% changed after the introduction of capital controls in th

  15. Slide 15: Eurosystem Funding

    Eurosystem Funding Evolution of Eurosystem funding (% of total assets) Q3 2015- Q3 2016 29.9% Click to edit Eurosystem funding Master text styles (€ bn) — Q3 2016 24.6% 21.3% Second level Euro funding/ Q3 2015 FY 2015 Q3 2016 Total assets (%) 29.9 Third level 15.5 24.6 31.4 28.9  As at 30.09.2016,

  16. Slide 16: Deposits Pricing

    Deposits Pricing  Despite deposit outflows in September 2016, Click to edit Master text styles deposit costs have remained stable. Second level Third level Fourth level Fifth level 16

  17. Slide 17: Capital

    Click to edit Master text styles Second level Third level Capital Fourth level Fifth level 17

  18. Slide 18: CET Formation and Capital Position

    CET 1 Formation, 30.09.2016 Capital Position 20% 18% 1.58% 16% 1.92% 1.14% 14% 2.86% 12% 10% 18.72% 8% 15.23% 6% Click to edit Master text styles 11.37% 4% 2% Second level 0% 3Q2016 Total Equity Non-eligible capital instruments Transitional adjustments 3Q2016 CET1 Third level Transitional adjustment

  19. Slide 19: Profitability

    Click to edit Master text styles Second level Third level Profitability Fourth level Fifth level 19

  20. Slide 20: Operating Income. Operating Expenses

    Operating Income. Operating Expenses Evolution of key P&L aggregates, Q3 2015 – Q3 2016 (EUR m) Operating income by source (EUR m) OPERATING INCOME Q3 2015 Q3 2016 600 531.0 Net interest income 67.1 65.6 Net fee and commission income 15.2 11.1 400 Click to edit Master text styles Gain/ loss from sec

  21. Slide 21: Operating Income - Net Interest Margin

    Operating Income - Operating Expenses Net Interest Margin- NIM (%) NII breakdown Q3 2015 – Q3 2016 (EUR m) 67.1 65.6 Click to edit Master text styles 2.54% Second level 2.44% 17.6 2.37% 2.37% Third level 2.36% -4.2 -7.2 -7.7 Fourth level Q3 2015 FY 2015 Q1 2016 H1 2016 Q3 2016 Q3 2015 NII Reduction

  22. Slide 22: Operating Expenses

    Operating Expenses Cost / Income Ratio (excl. provisions for credit and Breakdown of general operating expenses other risks) (€32.1m for Q3 2016) Q3 2016 Q3 2015 Rents 15.1% 18.9% 75.8% Click to edit Master text styles Advertising and promotion expenses 1.7% 2.0% Telecommunication expenses 4.6% 6.5%

  23. Slide 23: Appendix

    Click to edit Master text styles Second level Third level Appendix Fourth level Fifth level 23

  24. Slide 24: Group P&L and balance sheet

    Amounts in € million Group P&L and balance sheet ASSETS Q3 2016 FY 2015 CHANGE % Cash and balances with the Central Bank 58.1 49.6 17.2% Due from other financial institutions 2.1 9.6 (78.1%) Amounts in € million Derivative financial instruments- assets 0.1 0.4 (67.7%) Q3 2016 Q3 2015 CHANGE % Financ

  25. Slide 25: Group results by segment

    Group results by segment Q3 2016 Q3 2015 Total Investment Investment Business Business Amounts in EUR m Retail Banking & Retail Banking & Q3 2016 Q3 2015 Change % Banking Banking Treasury Treasury Operating Income 6.8 71.2 4.3 20.5 80.8 2.4 82.3 103.7 (20.6%) - Net interest income (1.3) 74.6 (7.6) (

  26. Slide 26: Key financial ratios, Q3 2015 – Q3 2016

    Key financial ratios, Q3 2015 – Q3 2016 BALANCE SHEET STRUCTURE Q3 2015 FY 2015 Q3 2016 Due to Customers / Loans and Advances to customers (before provisions) 68.2% 54.5% 46.6% Due to Customers / Loans and Advances to customers (after provisions) 95.3% 77.7% 66.3% Due to Customers / Total Assets 71.

  27. Slide 27: Disclaimer

    By receiving this document. the Recipient accepts and agrees to be bound by the following obligations and limitations: The above material has been prepared by Attica Bank for the exclusive use of the selected parties to whom it is delivered. Neither the whole ore any part of the information in this

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