Piraeus Financial Holdings S.A
Piraeus Financial — Piraeus Bank — H1 2026 Earnings Presentation
72 slides from Piraeus Financial's earnings presentation, Sep 21, 2026
Slide 1: Corporate Presentation September 2026
Corporate Presentation September 2026
Slide 2: H1.2026 Financial Results Contents
H1.2026 FINANCIAL RESULTS • CONTENTS 01 02 03 04 05 Executive Piraeus’ Financial Sustainability Annex Summary Performance Analysis vs Peers & Business Highlights (based on H1.26 financial data)
Slide 3: Executive Summary
Mt 01 Executive Summary | a we
Slide 4: The Greek economy continues to outperform despite global uncertainty
The Greek economy continues to outperform despite global uncertainty ▪ The Greek economy is expected to maintain a Real GDP, % yoy 2.1% positive trajectory, supported by a credible 2.0% vs 0.9% in 1.9% the EZ (Η1.26) fiscal framework, the consistent implementation of reforms and sustained 1.4% inves
Slide 5: Piraeus at a glance: the leading banking group in Greece
Piraeus at a glance: the leading banking group in Greece ➢ leading Bank in Greece ➢ a one-stop shop for financial services ranking first across business lines omni-channel distribution platform 4.5mn | 8.1k €94bn 368 1,500 clients | employees total assets branches ATMs €39bn | €85bn 28% 3.0mn 4.7/5.
Slide 6: H1.26: Record profit of €0.47 EPS, driven by strong core revenue momentum
Η1.26: Record profit of €0.47 EPS, driven by strong core revenue momentum 1 €617mn net profit €0.47 EPS generation, in line with guidance of c.€90c EPS for 2026; €336mn in Q2, +22% yoy 2 16% RoaTBV in H1 Q2 RoaTBV at 17%, compared to 2026 target of c.15% 3 +9% loan growth yoy €39bn loan book, up €3.
Slide 7: Q2.26: historic high €0.26 EPS, up 23% yoy
Q2.26: historic high €0.26 EPS, up 23% yoy; €6.3 TBVPS, growing at 7% yoy Group Figures (€mn) Q2.25 Q1.26 Q2.26 Η1.26 Net interest income 474 481 509 990 Core revenues at €1,451mn, up 13% yoy Revenues from services 166 210 251 462 Net trading result 47 (18) 21 3 Other operating result 1 (14) 7 (6) O
Slide 8: +€1.8bn net credit expansion in H1
+€1.8bn net credit expansion in Η1, on track to exceed aspiration of >€3bn for 2026 Out of €3.2bn disbursements in Q2: Performing loans evolution (€bn) ▪ c.€1.4bn to small / medium Loan growth +5% ytd enterprises and agri ▪ c.€1.4bn to corporate, structured 38.6 +3.2 39.0 finance and shipping 37.3 +
Slide 9: Leading corporate loan growth, with pricing discipline
Leading corporate loan growth, with pricing discipline New corporate loans yields (%) Piraeus business loans spreads vs Greek peers (%) 2.5% 2.4% 4.4% 2.3% 4.2% 4.1% 4.3% 2.2% 2.2% 3.8% 3.8% 3.7% 3.7% 3.9%4.0% 2.1% 2.2% 2.1% 2.13% 01 • EXECUTIVE SUMMARY 2.09% 1.9% Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 1.8%
Slide 10: Revenues from services: Ethniki Insurance leads the way
Revenues from services: Ethniki Insurance leads the way in an acceleration across all key business lines ▪ Strong Q2 loan fees print Revenues from services (€mn) incorporate ~€10mn non-recurring RRF related fees. Investment Q2.25 Q1.26 Q2.26 Q2 yoy H1.26 H1 yoy banking fees more than doubled Financi
Slide 11: Ethniki Insurance: H1 performance ahead of targets
Ethniki Insurance: H1 performance ahead of targets, driven by solid trends in health Q2.26 highlights H1.26 GWP by business line & by channel (%) Ethniki Insurance KPIs ▪ Full-scale Group integration preparations H1 production underway, targeting early 2027 on track to 2026 target of ▪ Ongoing strat
Slide 12: WAM: Sustained AuM growth and strong net inflows
WAM: Sustained AuM growth and strong net inflows of €1bn, already meeting 2026 target ▪ Strong net inflows of €1.0bn in H1; +43% strong positive market effect in Q2, fully offsetting Q1 impact 16.3 ▪ FY.26 budget already met at H1 ▪ Launch of Optimum International, the 14.5 new generation of Optimum
Slide 13: Volume growth drives Q2 NII increase
Volume growth drives Q2 ΝΙΙ increase, with rate tailwinds offsetting spread compression ▪ Loan interest income increased Net interest income (€mn) Q4.25 Delta Q1 Q1.26 Delta Q2 Q2.26 significantly qoq, mainly due to volumes (c. €15mn); increased base Loans 441 (1) 440 +20 460 rates offset mild sprea
Slide 14: Investing for growth while maintaining best-in-class efficiency
Investing for growth while maintaining best-in-class efficiency Operating expenses (€mn) Q2.25 Q1.26 Q2.26 H1.26 Staff 102 102 119 222 Higher qoq impacted by variable (+€13mn qoq) G&A 70 94 73 167 Down qoq (Q1 burdened by frontloaded property taxes) Depreciation 32 32 33 65 Increase on the back of C
Slide 15: Solid asset quality trends maintained
Solid asset quality trends maintained NPE balance evolution (€bn) 1.1 0.9 1.0 Q2.25 Q1.26 Q2.26 Q2.25 Q1.26 Q2.26 Organic cost of risk (CoR) 0.7% 0.3% 0.6% 01 • EXECUTIVE SUMMARY o/w underlying CoR 0.5% 0.2% 0.4% Q2 underlying CoR absorbed Katseli law NPE ratio 2.6% 2.1% 2.2% impact, ECL macro scena
Slide 16: Exceptional liquidity supporting growth and strategic optionality
Exceptional liquidity supporting growth and strategic optionality ▪ LCR position fully restored to >200% LCR (%) Liquidity KPIs ▪ Deposits up 5% qoq, impacted by increased capital markets activity from Greek corporates Dec.25 Mar.26 Jun.26 216% ▪ Strong cash position utilized in H1 to fund solid loa
Slide 17: Organic capital generation supports growth and shareholder returns
Organic capital generation supports growth and shareholder returns CET1 trajectory Q2.26 (%) 12.7% 12.6% +1.0% +0.0% 12.8% DTC/CET1 at 54% (0.2%) ▪ +c.10bps CET1 (0.6%) ratio pro forma for Ethniki 01 • EXECUTIVE SUMMARY Insurance 57% distribution Solvency II accrual including ratio at 150% DTC accel
Slide 18: H2 dynamics support outperformance of ~13% CET1 target
H1 performance and H2 dynamics strongly support outperformance of full year ~13% CET1 target CET1 trajectory H2.26 (%) ~+1.7% 12.8% >+0.2% >13% ~ (0.5%) ~(1.1%) 01 • EXECUTIVE SUMMARY Jun.26 PnL Growth Distribution Other Dec.26 accrual TCR 18.6% ~19% Note: Other includes among other items SRTs, AT1
Slide 19: Strong capital markets access and comfortable MREL position
Strong capital markets access and comfortable MREL position; IG rated by all rating agencies MREL requirement MREL position (30 Jun.26) Debt securities outstanding (Face value €bn) 2026 Senior Preferred (SP) 2.00 28.5% Green SP 2.15 27.6% Tier 2 1.15 4.1% Combined AT1 1.00 buffers 9.9% Senior bonds
Slide 20: Digital engagement continues to accelerate across the franchise
Digital engagement continues to accelerate across the franchise Digital Agentic AI innovation +12% Mobile active users in H1.26 (vs 2025) in progress (examples) Expansion e-banking Virtual Assistant Digital customer onboarding help in GR & ENG natural language answers 23% (+1.9ppts vs 2025) e-Bankin
Slide 21: AI at scale driving growth, productivity and customer value
AI at scale driving growth, productivity and customer value AI at Towards an scale ~90 AI use cases AI-native bank (2030) in development Business AI use cases live Central AI Hub - Newra 20 in production across the Bank Newra establishes a Group wide AI operating 01 • EXECUTIVE SUMMARY model, moving
Slide 22: Building new growth engines beyond traditional banking
Building new growth engines beyond traditional banking Agri marketplace - Farmclick Piraeus Eco Check - CFP Mortgages - ODS Piraeus Youth app Greece's pioneering agri-supplies Digital-first solution for free assessment The 1st AI-powered end-to-end mortgage New banking app for teens (12-18) Marketpl
Slide 23: A bank-wide CX framework turning customer insight into action
A bank-wide CX framework turning customer insight into action OUR CX HOLISTIC FRAMEWORK Building superior CX infrastructure Acting to improve NPS Governing change and accountability • Comprehensive customer listening system • Data-driven CX enhancements • CX performance linked to key business KPIs •
Slide 24: Snappi surpassed 210k users
Snappi surpassed 210k users and is scaling as a capital-light digital growth platform Innovation platform for retail banking • Greenfield digital banking platform built for branchless distribution, embedded finance and faster product experimentation • Distinct value proposition targeting digital-sav
Slide 25: Strong H1 execution reinforces confidence in updating full year targets
Strong H1 execution reinforces confidence in updating full year targets FY.25 Q2.26 H1.26 FY.26 actual actual actual targets Earnings per share (reported €) €0.82 €0.26 €0.47 ~€0.9 RoaTBV (normalized %) 15.6% 16.9% 15.7% ~15% NII / assets (%) 2.2% 2.2% 2.2% ~2.2% updated Revenues from services / ass
Slide 26: Piraeus' Performance Vs Peers
02 Piraeus’ Performance Vs Peers 26
Slide 27: Piraeus: the leading bank in Greece
Piraeus: the leading bank in Greece #1 in performing loans (26% Greek market share) #1 in deposits (28% share) 02 • PIRAEUS’ PERFORMANCE VS PEERS #1 in equities brokerage (24% share) #1 in retail footprint, with 368 branches and 1,500 ATMs 4.5mn clients nationwide, 2.0mn clients in Ethniki Insurance
Slide 28: Best-in-class loan growth in Europe
Best-in-class loan growth in Europe Performing loan growth (yoy) 02 • PIRAEUS’ PERFORMANCE VS PEERS +9% +6% Jun.26 Jun.26 Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 28
Slide 29: NIM far above European average
NIM far above European average Net interest income over average assets (bps) 216 02 • PIRAEUS’ PERFORMANCE VS PEERS 135 H1.26 H1.26 Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 29
Slide 30: Fees best in Greece and well above EU average
Fees best in Greece and well above EU average Revenues from services over average total assets (bps) 101 02 • PIRAEUS’ PERFORMANCE VS PEERS 69 Greek peers avg at 71bps H1.26 H1.26 Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions; Greek peers data derived from H
Slide 31: Best-in-class cost efficiency
Best-in-class cost efficiency Cost-to-income ratio (%) 02 • PIRAEUS’ PERFORMANCE VS PEERS 53% 34% Η1.26 H1.26 Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 31
Slide 32: Return on tangible book value well above EU average
Return on tangible book value well above EU average RoaTBV (%) 15.7% 02 • PIRAEUS’ PERFORMANCE VS PEERS 11.6% H1.26 H1.26 Source: ECB Supervisory Banking Statistics Q2.2026 from 111 Significant EU Institutions 32
Slide 33: Piraeus trades below EU banks with similar earnings
Piraeus trades below EU banks that have similar earnings and yet are growing more slowly than Piraeus P/TBV multiple for 20281 | LTM loan growth (%) PB share price (€) Implied P/TBV 28e ~1.4x ~€11.2 P/TBV 28e ~15% 1.2x 02 • PIRAEUS’ PERFORMANCE VS PEERS 9% €9.6 1.4x 1.2x 5% P/TBV 28e P/TBV 28e LTM l
Slide 34: Financial Analysis & Business Highlights
03 Financial Analysis & Business Highlights 34
Slide 35: Balance sheet strength driving earnings and growth capacity
Balance sheet strength driving earnings and growth capacity ▪ Customer loans comprise 48% of assets Asset vs funding mix - Jun.26 ▪ Fixed income portfolio comprises 22% of assets amounts in €bn Total 94.3 94.3 Total 5.4 4.6 ▪ Fixed income holdings of Greek sovereign at €11.5bn, 03 • FINANCIAL ANALYS
Slide 36: Broad-based credit expansion across segments
Broad-based credit expansion across segments with renewed household growth ▪ Acceleration of growth in Performing loans evolution (€bn) 2024 & 2025; household lending turned positive Performing loans yields, % after 15 years 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS 3.6% 4.0% 6.3% 6.4% 5.0% 4.7%
Slide 37: CIB: national champion platform capturing corporate demand
CIB: national champion platform capturing high-quality corporate demand H1.26 CIB net credit expansion breakdown by sector (€mn) Net credit Sector Disbursements # Customers expansion 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS SME 1,163 178 1,352 Focus on SME servicing: 28 NPS vs 15-20 market avg
Slide 38: Retail: €400mn mortgage disbursements in H1
Retail: €400mn mortgage disbursements in H1, up c.65% yoy ▪ Average LTV c.60% for new Mortgages (€mn) disbursements NCE -35 +96 +110 ~200 ▪ Leveraging the Piraeus branch network and developing digital 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS ~800 platforms; AI-enabled lending 680 400 platform b
Slide 39: Diversified loan book underpinning resilient growth
Diversified loan book underpinning resilient growth Group loan composition (€39.0bn at Jun.26, %) Q2.26 CIB disbursements breakdown Mortgages 16% Industry mix % Retail loans Transportation (incl. shipping) 26% 20% 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS Consumer 5% Energy 14% Manufacturing 14%
Slide 40: Loan yields get tailwind from base rates
Loan yields get tailwind from base rates and controlled spread compression ▪ c.€28.0bn are Euro floating rate Performing loan yields & spreads loans, c.€4.5bn are Libor floating rate loans, while c.€6.5bn are fixed or bank determined rate loans Loan portfolio yields Q2.25 Q1.26 Q2.26 Δ vs Q2.25 PE J
Slide 41: Strong deposit growth, +€5.5bn yoy
Strong deposit growth, +€5.5bn yoy, supporting funding stability and balance sheet expansion Customer deposit movement (€bn) Deposit movement by segment (€bn) 66.1 68.4 62.9 +3.5 59.6 +1.2 +0.8 +2.3 +1.4 +1.0 +2.2 Dec.25 Q1.26 Q2.26 Jun.26 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS -1.4 -1.2 -1.0
Slide 42: Orderly repricing of time deposits keeps funding costs under control
Orderly repricing of time deposits keeps funding costs under control ▪ First demand deposit balances Deposit cost evolution have grown by c.€4.6bn over the past year Deposits Deposit costs (stock) Q2.25 Q1.26 Q2.26 Jun.26 Jun.26 ▪ Time deposit balances have 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIG
Slide 43: Loan yields and deposit costs are recovering along with base rates
Loan yields and deposit costs are recovering along with base rates Group Interest income (€mn) Yields (%) Average balances (€bn) Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS Customer loans 452 437 441 440 460
Slide 44: Capital position exceeds the P2G level by c.260bps
Capital position exceeds the P2G level by c.260bps; P2G requirement at 1.00% Capital ratio | Jun.26 Regulatory capital requirements €bn | % Reported Capital requirement components (%) 2025 2026 CET-1 capital 4.8 Pillar 1 requirement 8.00% 8.00% 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS Tier 1 ca
Slide 45: Active management of NPE inflows and restructurings
Active management of NPE inflows and restructurings sustain low risk profile Group NPE movement (€mn) Forborne NPEs (Jun.26) Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS NPEs | beginning of period 1,097 1,086 1,088 899 930 Redefaults 4 7 5 5 4 Defaults 58 47 75 86 138
Slide 46: NPE coverage supports downside protection
NPE coverage supports downside protection NPE ratio per product category NPE coverage ratio per product Mar.26 Jun.26 Mar.26 Jun.26 118% 111% 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS Includes paying 6.0% credit impaired 5.8% 76% 78% mortgage 70% 67% exposures 4.3% 4.5% 50% 42% 2.1% 2.2% 1.5% 1.
Slide 47: Retail Banking: leveraging nationwide network
Retail Banking: leveraging nationwide network and wide clientele base with new business initiatives Performing loans (€bn) Net fee income (€mn) €mn H1.25 H1.26 Total net revenues 583 664 Total operating costs (221) (242) 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS Pre provision income 362 422 Impa
Slide 48: Corporate & Investment Banking: solid profitability
Corporate & Investment Banking: solid profitability driven by best-in-class volume growth Performing loans (€bn) Net fee income (€mn) €mn H1.25 H1.26 Total net revenues 435 481 Total operating costs (92) (94) 28.4 03 • FINANCIAL ANALYSIS & BUSINESS HIGHLIGHTS 26.8 Leasing/ Pre provision income 343 3
Slide 49: Treasury & Financial Markets
Treasury & Financial Markets: consistent execution of strategy in fixed income markets Fixed income securities per issuer (€bn) Fixed income securities per category (€bn) €mn H1.25 H1.26 Total net revenues 277 217 Total operating costs (28) (25) Yield 3.0% 3.0% 3.2% 03 • FINANCIAL ANALYSIS & BUSINES
Slide 50: Sustainability
04 Sustainability 50
Slide 51: Creating value through sustainable banking
Creating value through sustainable banking Strengthening our Accelerating the transition Delivering positive social sustainability performance and supporting our clients impact Sustainability embedded in the core strategy €5.0bn in sustainable financing as of Jun.26 Sustainability that delivers meas
Slide 52: Demonstrating tangible progress with clear targets
Demonstrating tangible progress with clear targets for long-term value creation Our sustainability performance1 Targets and ambitions2 Sustainable financing volumes (Jun.26) €5.0 bn ~€7.1 bn New generation of Sustainable financing €1.1 bn ~€2.0 bn Sustainable banking Green funding (deposits & bonds)
Slide 53: Financed emissions sectoral decarbonization targets
Financed emissions sectoral decarbonization targets Climate Transition Plan Piraeus conducted a structured methodology approach for preparing the financed emissions sectoral decarbonization objectives. This methodology reflects the Bank’s strategic objective to proactively manage climate transition
Slide 54: Annex
05 Annex 54
Slide 55: Greek economy to continue growing at healthy pace
Greek economy to continue growing at healthy pace • Greek GDP growth > EU average 2024 2025 2026 2027 actual actual estimate estimate • Strong foundations for sustainable growth Real GDP 2.1% 2.1% 1.9% 1.7% • Tourism, FDI & consumption drive growth • Investment grade status regained Nominal GDP 5.4%
Slide 56: Solid economic momentum, with increasing employment and record tourism
Solid economic momentum, with increasing employment and record tourism Economy on a recovery path both in Nominal & Real terms. …with headline inflation impacted by energy prices GDP expected to grow at higher levels compared to the EU… 20.0 14.0 Headline Inflation (CPI) Q2.26 Jul-26 Core Inflation
Slide 57: Favourable Greek economic profile with sovereign at investment grade
Favourable Greek economic profile with the sovereign at investment grade status and RRF contribution Solid FDI flows reflecting strong potential in key sectors Greek sovereign upgraded to investment grade by all rating agencies; reflecting effectiveness of fiscal discipline and reforms €52.8bn in ac
Slide 58: Shareholder structure skewed to international investors
Shareholder structure skewed to international investors Shareholder structure (Jun.26) ▪ Shareholder structure of Piraeus Bank presents great diversity; total number of common shareholders c.23k Greek Rest of World Legal Entities ▪ In Mar.24, Piraeus returned to fully privatized status, following th
Slide 59: Credit ratings
Credit ratings Greek sovereign Piraeus Bank Piraeus Bank Piraeus Bank Credit rating Long term Outlook Senior Preferred 21 April 2026 Baa3 Baa1 Stable Baa2 20 July 2026 BBB BBB- Stable BBB- 05 • ANNEX 1 July 2026 BBB BBB- Positive BBB- Moody’s rating refers to long term deposit rating; dates refer to
Slide 60: Publicly-placed outstanding senior debt issuance
Publicly-placed outstanding senior debt issuance €500mn 3.875% €500mn 7.25% €500mn 6.75% €500mn 5.00% €650mn 4.625% €500mn 3.000% €500mn 3.375% €500mn 4.000% 6NC5 SP Green Notes 5NC4 SP Notes 6NC5 SP Notes 6NC5 SP Notes 5NC4 SP Green Notes 3.5NC2.5 SP Green 6NC5 SP Green Notes 6NC5 SP Notes due 2027
Slide 61: Publicly-placed outstanding capital instruments
Publicly-placed outstanding capital instruments €500mn 7.250% €650mn 5.375% €400mn 6.75% €600mn 6.125% 10.25NC5.25 Tier 2 due 2034 11NC6 T2 Notes due 2035 PerpNC5.5 AT1 Notes PerpNC7 AT1 Notes Issuer Piraeus Bank S.A. Piraeus Bank S.A. Piraeus Bank S.A. Piraeus Bank S.A. Additional Tier 1 - Fixed Ra
Slide 62: Outstanding debt redemption profile
Outstanding debt redemption profile Outstanding debt call dates (€mn) 5NC4 SP Green 11NC6 Tier 2 PerpNC7 Jul.28 Jun.30 AT1 Notes 5NC4 3.5NC2.5 6NC5 10.25NC5.25 6NC5 6NC5 Oct.32 6NC5 SP 6NC5 Green SP Notes SP Green SP Notes Tier 2 SP Notes SP Green SP Notes Nov.26 Jul.27 Dec.27 Dec.28 Jan.29 Apr.29 D
Slide 63: Group balance sheet evolution
Group balance sheet evolution Group balance sheet (€mn) Jun.25 Mar.26 Jun.26 qoq yoy Cash & balances with central banks 6,190 3,648 5,366 47% -13% Loans & advances to banks 2,546 4,248 4,809 13% 89% Gross loans 42,542 45,093 46,310 3% 9% (Loans loss reserves) (737) (758) (802) 6% 9% Securities/deriv
Slide 64: Group results | quarterly evolution
Group results | quarterly evolution (€mn) Q2.25 Q3.25 Q4.25 Q1.26 Q2.26 Net interest income 474 471 477 481 509 Revenues from services 166 164 206 210 251 Net trading result 47 19 35 (18) 21 Other operating result (including dividend income) 1 (5) 4 (14) 7 Total net revenues 687 648 723 660 788 Tota
Slide 65: Loan and deposit portfolios
Loan and deposit portfolios Gross loans evolution (€mn) Due to customers evolution (€mn) Dec.24 Jun.25 Dec.25 Mar.26 Jun.26 qoq yoy Dec.24 Jun.25 Dec.25 Mar.26 Jun.26 qoq yoy Group Group 62,853 62,858 66,544 65,331 68,810 5% 9% 40,406 42,131 43,284 44,537 45,260 2% 7% Savings 24,509 23,867 25,097 24
Slide 66: IFRS9 stage analysis | Group
IFRS9 stage analysis | Group Gross loans Dec.171 Dec.181 Dec.191 Dec.201 Dec.211,2 Dec.221,2 Dec.231,2 Dec.241,2 Jun.251,2 Dec.251,2 Jun.261,2 Δ yoy (€bn) Stage 1 19.1 17.6 18.4 19.6 26.5 30.4 32.3 36.2 38.5 39.8 41.4 7% Stage 2 6.3 6.6 5.7 6.0 5.6 4.3 3.8 3.1 2.8 2.7 2.7 0% Stage 3 32.9 27.3 24.5 2
Slide 67: Definitions of APMs
Definitions of APMs1 Net interest income plus (+) revenues from services (net fee and commission Income, plus (+) income from non-banking and non-insurance business, plus (+) net income from the insurance 1 Core revenues business) Impairment (losses)/releases excluding (-) extraordinary impairment l
Slide 68: Definitions of APMs
Definitions of APMs The ratio between the amount of available stable funding relative to the amount of required stable funding based on Regulation 2019/876 of the European Parliament. The standard requires a 21 Net stable funding ratio (NSFR) minimum amount of funding that is expected to be stable o
Slide 69: Glossary
Glossary Assets under management (AuM) include Piraeus Asset Management MFMC assets, plus (+) Piraeus’ Securities' equity brokerage custody assets and private banking, plus 1 Assets under management (AuM) (+) institutional portfolios’ assets which includes Iolcus AuM 2 C/I Cost-to-Income The Deposit
Slide 70: Disclaimer
Disclaimer General This presentation pertaining to Piraeus Bank S.A. (“Piraeus Bank”, “Piraeus Bank S.A.” or to the “Bank”) and its subsidiaries and affiliates (the “Group” or “we”), its business assets, strategy and operations is solely for informational purposes. It is hereby noted that on 19.12.2
Slide 71: Contact information
Contact information Theo Gnardellis Chief Financial Officer Xenofon Damalas Head of Group Investor Relations Amalia Missailidi Senior IR Manager | Credit Ratings Vangelis Pilios Senior IR Manager | Equity Analysts Nina Lykou Senior IR Manager | Fixed Income & ESG Yvonne Papageorgiou Senior IR Manage
Slide 72: Piraeus
// Piraeus