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EUROBANK ERGASIΑS S.A. FINANCIAL REPORT for the period from January 1st to June 30th, 2019 According to article 5 of Law 3556/30.4.2007 WorldReginfo - 825fcea4-1b19-4f3b-aa5f-a81bbfc272d9 Table of Contents I. Statements of the members of the Board of Directors (according to the article 5, par. 2 of l. 3556/2007) ΙΙ. Report of the Directors for the six months ended 30 June 2019 III. Independent Auditor’s Report on Review of Interim Condensed Financial Information (on the Interim Consolidated Financial Statements) IV. Interim Consolidated Financial Statements for the six months ended 30 June 2019 V. Independent Auditor’s Report on Review of Interim Condensed Financial Information (on the Interim Financial Statements of the Bank) VI. Interim Financial Statements of the Bank for the six months ended 30 June 2019 VII. Information of Eurobank Ergasias S.Α. group for the period 1.1- 30.6.2019 pursuant to article 6 of l. 4374/2016 WorldReginfo - 825fcea4-1b19-4f3b-aa5f-a81bbfc272d9 I. Statements of the members of the Board of Directors (according to the article 5, par.2 of the Law 3556/2007) WorldReginfo - 825fcea4-1b19-4f3b-aa5f-a81bbfc272d9 EUROBANK ERGASIAS S.A. Statements of Members of the Board of Directors (according to the article 5, par. 2 of the Law 3556/2007) We declare that to the best of our knowledge: the financial statements for the six months period ended 30 June 2019, which have been prepared in accordance with the applicable accounting standards, present fairly the assets, liabilities, equity and results of the Bank and the companies included in the consolidation, and the report of the Board of Directors for the same period presents fairly the information required under paragraph 6 of article 5 of Law 3556/2007. Athens, 28 August 2019 Georgios P. Zanias Fokion C. Karavias Stavros E. Ioannou I.D. No AI – 414343 I.D. No ΑΙ - 677962 I.D. No AH - 105785 CHAIRMAN CHIEF EXECUTIVE DEPUTY OF THE BOARD OF OFFICER CHIEF EXECUTIVE DIRECTORS OFFICER WorldReginfo - 825fcea4-1b19-4f3b-aa5f-a81bbfc272d9 ΙΙ. Report of the Directors for the six months ended 30 June 2019 WorldReginfo - 825fcea4-1b19-4f3b-aa5f-a81bbfc272d9 EUROBANK ERGASIAS S.A. REPORT OF THE DIRECTORS The directors present their report together with the accounts for the six months ended 30 June 2019 that have been reviewed by the Bank’s external auditors. Profit or Loss The net profit attributable to Eurobank (or “the Bank”) shareholders for the first half of 2019 amounted to €26m (first half 2018: €36m) as set out in the consolidated income statement on page 2. Financial Results Review1 In the first half of 2019, the Group, acting in an environment of positive growth rates both in Greece and the other countries, in which it has a substantial presence, demonstrated positive operating results, strengthened its capital base, improved further its liquidity position and reduced substantially the Non Performing Exposures (NPEs) stock in line with its NPE reduction acceleration plan. As at 30 June 2019 total assets, including the impact from the merger with Grivalia and the acquisition of Piraeus Bank Bulgaria A.D. (PBB), increased to €62.4bn (Dec. 2018: €58.0bn). At the end of June 2019, following the classification of €2bn mortgage loans as held for sale (Pillar project, see section “NPE reduction acceleration plan”), gross customer loans reached €43.6bn (Dec. 2018: €45.0bn), of which €36.2bn in Greece (Dec. 2018: €38.6bn) and €7.4bn in International Operations, including €0.7bn from the acquisition of PBB (Dec. 2018: €6.4bn). Business (wholesale and small business) loans stood at €25.4bn (Dec. 2018: €24.8bn) and accounted for 58% of total Group loans, while loans to households reached €18.1bn (Dec. 2018: €20.2bn), with mortgage portfolio constituting 33% and consumer loans 9% of the total portfolio. Group deposits reached €41.3bn (Dec. 2018: €39.1bn) with deposits from Greek operations increasing by €0.8bn to €29.5bn, while International Operations added €1.5bn, of which €1.1bn from PBB, totalling €11.8bn. As a result, the (net) loan–to–deposit (L/D) ratio further improved to 87% for the Group (Dec. 2018: 93%) and to 97%3 for Greek operations (Dec. 2018: 103%). The Bank has eliminated the use of Emergency Liquidity Assistance (ELA) as of end January 2019, while at 30 June 2019 the funding from Eurosystem stood at €1.3bn (31 December 2018: €2.1bn, of which €0.5bn funding from ELA). Within an improving but still challenging business environment, pre-provision Income (PPI) slightly decreased by 1.4% to €470m (first half of 2018: €477m) with the second quarter reaching €265m (second quarter 2018: €244m). Net interest income (NII) receded by 3.6% to €685m (first half of 2018: €711m), carrying the negative impact from the lower lending spreads in Greece partially offset by the positive effect from the decreased funding cost due to the elimination of dependency from the ELA mechanism and the higher NII from international operations. Net interest margin (NIM) stood at 2.28% (first half of 2018: 2.50%) with the second quarter reaching 2.26%. Fees and commissions increased by 13% to €156m (first half of 2018: €138m) positively affected by the higher rental income due to the merger with Grivalia in the second quarter of 2019 and the increased income from network activities. Core pre-provision income (Core PPI) was declined by 3.4% to €399m (first half 2018: €413m). Trading and other activities recorded €71m gain (first half of 2018: €64m gain), including a) €44m gains on the sale of bonds and equites portfolio and b) €30m gain on acquisition of PBB in June 2019. Operating expenses in Greece decreased by 1.1% to €340m (first half of 2018: €344m) or 2.2%2 on a like for like basis, following the reduction in the number of personnel. The Group’s operating expenses increased by 1.3% amounting to €442m (first half of 2018: €436m) or decreased by 0.1%2 on a like for like basis. The cost to income (C/I) ratio for the Group reached 48.5% (first half of 2018: 47.8%), while the International Operations C/I ratio stood at 38.3%3 (first half of 2018: 43.0%3). During the first half of 2019, the Group’s NPEs were reduced by €2.4bn to €14.3bn (Dec. 2018: €16.7bn), mainly through of a securitization of residential mortgage loan portfolio classified as held for sale (Project Pillar, comprising €1.7bn NPEs) and the negative NPE formation amounting to €321m (first half of 2018: €409m negative), which drove the NPE ratio down by 783bps to 32.8% on y-o-y basis (first half of 2018: 40.7%, Dec. 2018: 37%). The loan provisions (charge) reached €348m or 1.90% of average net loans (first half of 2018: €337m or 1.87%) and the coverage ratio for NPEs stood at 54.5% (Dec. 2018: 53.2%). 1 Definitions of the Alternative Performance Measures (APMs) and other financial ratios/measures and the source of the financial data are provided in the Appendix. 2 For comparability purposes, the first half 2019 figure has been adjusted to exclude €3.8m and €6.1m expenses of Grivalia and PBB for Greece and Group respectively. 3 International Operations: Operating expenses: €102.3m, (first half of 2018: €92.6m), Operating income: €267m (first half of 2018: €215.6m). Greek operations: Loans and advances to customers (net) €28.7bn, Deposits €29.5bn. € = Euro m = million bn = billion Page 1 of 16 WorldReginfo - 825fcea4-1b19-4f3b-aa5f-a81bbfc272d9 EUROBANK ERGASIAS S.A. REPORT OF THE DIRECTORS The Group recognised in the first half of 2019 other impairment losses and provisions amounting to €17m (first half of 2018: €4m), of which €8m (first half of 2018: €10m) related to the impairment on real estate properties and €7m related to provisions for litigations and operational risk events. In addition, €42m cost has been recognised for a new Voluntary Exit Scheme (VES) launched by the Bank in May 2019, which has been offered to employees over an age limit as well as to employees of specific eligible Bank units independent of age. In respect of the VES that was initiated during the previous years, the Group recognised an additional cost of €13m in the first half of 2019. Finally, the Group recognized other restructuring costs amounting to €23m, of which €18m were associated with the acquisition of PBB. Overall, in the first half of 2019, the Group showed resilient profitability, well supported by the steadily profitable International Operations, the improved fees and commissions income, the cost containment efforts and the effective NPEs management. Net profit from continuing operations, before €61m restructuring costs, after tax, amounted to €90m (first half of 2018: €113m) for the Group of which €95m (first half of 2018: €73m) was related to International business. The net profit attributable to shareholders amounted to €26m (first half of 2018: €36m). The capital position of Eurobank has been substantially strengthened with a) the merger with Grivalia completed in May 2019 and b) the increase in fair value of GGBs classified at FVOCI, as a result in the improvement of the credit spreads of Hellenic Republic debt. The Group’s Total Regulatory Capital amounted to €7.6bn and accounted for 18.4% (total CAD) of Risk Weighted Assets (RWA) at the end of June 2019 (Dec. 2018: 16.7%). The Common Equity Tier 1 (CET1) stood at 15.9% of RWA (Dec. 2018: 14.2%), while the fully loaded CET 1 (based on the full implementation of the Basel III rules in 2024) at the same date would be 13.7% (Dec.
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