Covered Bond Investor Presentation - ™´¹„µ‚ .179-209-224 -91 145...

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  • Covered Bond Investor Presentation

    October 2017

  • Page 1

    Additional Colours NOTE: Eurobank is always red (Chart 10)

    Chart 7

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    Table of contents

    Eurobank Overview and Financials 2

    Capital and Liquidity 13

    Asset Quality 18

    Eurobank Mortgage Business: Loans Origination and Management 26

    Eurobank Global Covered Bond Programme I 38

    Appendix I Macroeconomic Update 51

    Appendix II Legal Framework Comparison 57

    Appendix II Glossary 59

  • Eurobank Overview and Financials

  • Page 3

    Additional Colours NOTE: Eurobank is always red (Chart 10)

    Chart 7

    Chart 8

    Chart 9

    Chart 10

    Colour 11

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    Colour 13

    Chart 14

    Body Text in Calibri

    Background

    Heading Text, 1st Level Fill

    Message Box, Table Highlights

    Chart 1

    Chart 2

    Chart 3

    Chart 4

    Chart 5

    Chart 6

    157-177-207

    124-179-252

    24-56-132

    255-255-255

    39-58-124

    0-176-80

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    255-192-0

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    38.8

    7.6

    11.2

    34.1

    14.0 22.3

    Assets Liabilities

    Eurobank overview

    Key Highlights Key Figures

    Assets and Liabilities Breakdown (bn) 2Q 2017

    (bn, Unless Otherwise Stated) June 2017

    Customer loans (net) 38.8

    Customer deposits 34.1

    Total assets 64.0

    Tangible book value 5.8

    Branches (Group) (#) 897

    Employees (Group) (#) 15,846

    Business, 53%

    Mortgages, 35%

    Consumer, 12%

    Loans

    Securities

    Other

    64.0 64.0

    Total Equity

    Deposits

    Central Bank funding and

    Other

    Gross Loan Portfolio Balance Sheet

    Most private bank in Greece, 97.62% owned today by private

    investors (institutional and retail) and 2.38% by the HFSF

    Market leader in attractive fee generating businesses such as equity brokerage, asset management, securities services & private banking

    Highly experienced management team with long tenure at the

    bank

    CEO, Deputy CEOs and CRO with over 15 years with the

    bank

    International presence

    International platform including banking subsidiaries self funded with deposit gathering outpacing loan growth

    10.4bn deposits vs. 6.8bn net loans as of 2Q 2017

    Commercial and retail banking operations in Bulgaria, Romania and Serbia

    Private and corporate banking operations in Cyprus

    Private banking operations in Luxembourg

    2

    3

    1

    4

  • Page 4

    Additional Colours NOTE: Eurobank is always red (Chart 10)

    Chart 7

    Chart 8

    Chart 9

    Chart 10

    Colour 11

    Colour 12

    Colour 13

    Chart 14

    Body Text in Calibri

    Background

    Heading Text, 1st Level Fill

    Message Box, Table Highlights

    Chart 1

    Chart 2

    Chart 3

    Chart 4

    Chart 5

    Chart 6

    157-177-207

    124-179-252

    24-56-132

    255-255-255

    39-58-124

    0-176-80

    192-0-0

    82-76-123

    170-178-203

    0-78-156

    103-141-197

    222-221-233

    255-192-0

    166-166-166

    179-209-224

    97-91-145

    128-128-128

    39-58-124

    Eurobank is the most private bank in Greece

    2% 11%

    26%

    40%

    98% 89%

    74%

    60%

    Eurobank Alpha Piraeus NBG

    Source: Banks registry data.

    Private

    Shareholders

    Hellenic Financial Stability Fund

  • Page 5

    Additional Colours NOTE: Eurobank is always red (Chart 10)

    Chart 7

    Chart 8

    Chart 9

    Chart 10

    Colour 11

    Colour 12

    Colour 13

    Chart 14

    Body Text in Calibri

    Background

    Heading Text, 1st Level Fill

    Message Box, Table Highlights

    Chart 1

    Chart 2

    Chart 3

    Chart 4

    Chart 5

    Chart 6

    157-177-207

    124-179-252

    24-56-132

    255-255-255

    39-58-124

    0-176-80

    192-0-0

    82-76-123

    170-178-203

    0-78-156

    103-141-197

    222-221-233

    255-192-0

    166-166-166

    179-209-224

    97-91-145

    128-128-128

    39-58-124

    Leading position in fee generating activities

    1. Extel Survey / Thomson Reuters. 2. ATHEX. 3. As at 31 August 2017. 4. Data ad of 30 September 2017. 5. As of 2Q17.

    The sole provider in Greece (ISO certified) offering a full suite of securities services in line with international standards

    Best Securities Services Provider in Greece for 2017, by Global Finance eleven times over the last twelve years;

    Top Rated Custodian for Institutional Investors in Greece, by Global Custodian for eleven consecutive years.

    31.9bn assets under custody and 3.6bn assets under management3

    Securities Services

    Market leader in Greece with a 32,2% market share in mutual funds and 2.2bn of assets

    More than 1.0bn assets under management in segregated accounts

    Fund selection services in mutual funds of 15 internationally recognised funds manages, with a total of 0.7bn of assets

    Asset Management4

    Market leader in Greece with holistic servicing model in four countries (Greece, Cyprus, London and Luxembourg)

    We offer a unique proposition to our clients, including multiple/multi-currency Discretionary mandates, Virtual Advisory & External Asset Management, Account Consolidation services, advanced Wealth & succession planning solutions, Art Advisory and our totally revamped Family Office offering.

    5.6bn assets under management5

    Private Banking

    Market leader with full service equity brokerage and research firm

    Voted best brokerage firm in Greece and best research in 20161

    ~17% market share YTD in volumes traded2 (consistently ranking no.1 for past 8 years)

    Equity Brokerage

    Leadership position across businesses as a result of effective distribution coupled with a comprehensive product offering

  • Page 6

    Additional Colours NOTE: Eurobank is always red (Chart 10)

    Chart 7

    Chart 8

    Chart 9

    Chart 10

    Colour 11

    Colour 12

    Colour 13

    Chart 14

    Body Text in Calibri

    Background

    Heading Text, 1st Level Fill

    Message Box, Table Highlights

    Chart 1

    Chart 2

    Chart 3

    Chart 4

    Chart 5

    Chart 6

    157-177-207

    124-179-252

    24-56-132

    255-255-255

    39-58-124

    0-176-80

    192-0-0

    82-76-123

    170-178-203

    0-78-156

    103-141-197

    222-221-233

    255-192-0

    166-166-166

    179-209-224

    97-91-145

    128-128-128

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    Eurobank receives international recognition recent awards

    Banking products and Services

    Most Admired Companies #8, 2017 Greece -Fortune Magazine and KPMG Survey

    Best Bank 2016 & 2017 Greece

    Best Retail Bank 2016 - Greece

    Digital Banking

    Best SMS/Text Banking in Western Europe, 2017 Greece

    Best Consumer Digital Bank in Greece, 2017 - Greece

    Best Corporate/Institutional Digital Bank in Greece, 2016 & 2017 - Greece

    Gold Award for pistrofi app in the Mobile Personalized Service, 2017 Greece

    Gold Award for Eurobank Mobile pp in the Mobile App for Consumers Sector Mobile App, 2017 Greece

    Gold Award for PaF - Pay a Friend in the Use of Mobile for P2P Payment, 2017 - Greece

    Gold Award for PaF - Pay a Friend in the Contactless Payment, P2P Payment category, 2017 - Greece

    Other

    Best Security Services Provider 2016 & 2017 - Greece

    Best Domestic Trade Finance Provider 2017 Greece

    Best Treasury & Cash Management Provider 2016 & 2017 - Greece

    Best Private Bank 2016 Greece -The Banker & PWM Magazines - Financial Times Group

    Best Private Bank 2016 Greece

  • Page 7

    Additional Colours NOTE: Eurobank is always red (Chart 10)

    Chart 7

    Chart 8

    Chart 9

    Chart 10

    Colour 11

    Colour 12

    Colour 13

    Chart 14

    Body Text in Calibri

    Background

    Heading Text, 1st Level Fill

    Message Box, Table Highlights

    Chart 1

    Chart 2

    Chart 3

    Chart 4

    Chart 5

    Chart 6

    157-177-207

    124-179-252

    24-56-132

    255-255-255

    39-58-124

    0-176-80

    192-0-0

    82-76-123

    170-178-203

    0-78-156

    103-141-197

    222-221-233

    255-192-0

    166-166-166

    179-209-224

    97-91-145

    128-128-128

    39-58-124

    International presence

    Grivalia Properties classified as held for sale. All p