In association with DIGITAL BANKING IN GREECE FACTS AND FIGURES IN 2017 Greeks become more and more digitally mature over the years Internet users Smartphone users in Greece 81% 18% European Union 28 2012 2.3 67% 66% connected devices Greece 2017 per person Greece holds the 4th lowest internet users percentage in the EU, revealing the fact that there is still room for improvement Customers are increasingly using mobile and internet banking to pay their bills and transfer their money registered In 2017 web banking accounts for the vast majority of transactions, but at the same time value of 6.25 internet banking transactions via mobile banking record an million & mobile users impressive increase compared 5 years ago of almost 20 times 73% ~277 €221.7 ~886 bilion thousand of all the active web banking web banking transactions web banking value web banking logins users transact every minute of transactions daily 43% ~27 €4.7 ~416 bilion thousand of all the active mobile mobile banking transactions mobile banking value mobile banking logins users transact every minute of transactions daily Soaring online purchases 3.5 For their online purchases million 75% consumers used mainly Debit Cards, while digital Greeks purchased of online purchases take place wallet appeared on the list of online products at Greek e-shops currently payment methods for the first estimated around 7,000 of €4.5 - 5 bilion time ever Consumers mainly purchased products and services from the categories below Dedit cards 64% Cash on 83% 72% 67% delivery 57% Travel services Accomodation Electronics & services computer equipment Credit cards 42% 66% 61% 59% Digital wallet 17% Ticket services Shoes & Apparel Food delivery PayPal 9% Percentages refer to consumers that made at least one online purchase in 2017 Consumers show a marked preference in using cards for their everyday transactions Factors influencing choice of payment instrument Card preference Although 88% of transactions* were The amount of cash you have with you 47% conducted with cash, a significant percentage of consumers (39%) The amount to be paid 43% mention that cards and other non- The benefits associated with the use of cards 34% cash methods is their preferred pay- or cash (e.g. miles, saving point etc.) ment method. Card loyalty schemes The costs associated with the use of cards 20% or cash prove to be 3rd most important factor Other / Don’t know 11% influencing consumer choice of pay- ment instrument. It depends on what the seller prefers 10% as payment method *Refers to payment at points of sale-online payments exclusive POS expansion Card 24h The use of cards has been facilitated by the numerous POS devices ~1.5 transactions available in almost all industries as a result of the regulations milion daily imposed in the Greek market. The number of POS devices available almost doubled compared to the previous year (+87%). average ~62.7 transactions milion daily References European Commission, Digital Scoreboard / ECB, “The use of cash by households in the euro area”, No 201, Nov 2017 / Hellenic Bank Association Greek market insights, 2012-2017 / Greek online consumers 2017-ELTRUN Survey / Data from HBA member banks and Cardlink, First Data, DIAS / Google Consumer Barometer 2017.