EUROBANK EFG GROUP

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EUROBANK EFG GROUP
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Eurobank EFG present in 10 countries with
gt1,600 servicing points and gt23,000 people
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Well diversified structure
Loan Book by Geography ( of gross loans)
Revenues by Geography ( of Group Operating
Income)
Figures as at 30.06.2009
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Prudent expansion conservative risk profile
Total Group Lending ( bn)
Lending per Segment ( of total)
56.4
2.7bn
53.8
New Europe
Greece
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Strong Deposit Gathering Improved Liquidity
Position
Loans / Deposits Ratio ()
Deposits ( bn.)
47.0
3.2bn
43.8
New Europe
Greece
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High efficiency Strong capital base
Capital Adequacy Ratios ()
Cost / Income ()
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Improved performance in 2Q09, despite the
negative effects of the global economic recession

• Net profit up by 9 q-o-q to 88m in 2Q 09
• Organic profit almost doubled to 61m in 2Q09,
  from 33m in 1Q09
• Group business loans expanded by 7.1 y-o-y and
  mortgages by 10.3 y-o-y
• New loan disbursements to businesses and
  households in Greece exceeded 6bn in 1H09
• Total deposits grew by 7.3 y-o-y
• Loans to deposits ratio improved further to 1171
  from 120 in 1Q09 and 122 at the end of 2008
• Capital adequacy improves substantially
• Risk asset ratio increased to 12.12, from 10.4
  at the end of 2008, being one of the highest in
  the Greek sector
• Total Tier I rose to 10.9, from 8.0 at the end
  of 2008
• Group operating expenses receded by 6.7 y-o-y
• Provisions up by 9.4 in 2Q09 to safeguard the
  Group further against the financial crisis
• Raised 1.5bn from international markets without
  the Greek State guarantee to enhance Group
  liquidity and capital

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High credit ratings
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International Recognition
Best Consumer Internet Bank Best
Corporate/Institutional Internet Bank in Greece,
2009
Best Developed Market Bank in Greece, 2009 Best
FX Bank, 2009
Best Trade Finance Bank in Greece, 2009
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Solid Shareholding Structure

• EFG Group is an international banking group,
  which operates through two subgroups
• - EFG International, which is a global private
  banking and asset management organisation
  headquartered in Zurich, Switzerland, and listed
  on the SIX Swiss exchange
• - Eurobank EFG, which is one of the largest
  banking and financial institutions in Greece,
  listed on the Athens Stock Exchange, offering all
  types of banking, asset management, insurance and
  other related services throughout Greece and in
  Central, Eastern and South-Eastern Europe, London
  and Luxembourg.
• At year-end 2008, EFG Group had total
  consolidated shareholders equity amounting to
  CHF 8.7 billion, clients assets under management
  in excess of CHF 165 billion and 27,000 employees
  across 40 countries.

Shareholders as at 30.06.09
as identified by Shareholders Registry
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Contacts