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Generic Group Presentation Eurobank EFG

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					EUROBANK EFG GROUP
March 2010
Eurobank EFG – present in 10 countries
with >1,600 servicing points and >23,000 people

Group financial highlights
as at Full Year 2009
Total Loans                  € 57.6 bn
Total Deposits               € 46.8 bn
Total Assets                 € 84.3 bn
Pre-provision profit         € 1,569m
Net profit*                  € 362 m


Key ratios
Net Interest Margin            2.8%
Cost / Income                 48.4%
Non Performing Loans
                               5.2%
    (NPLs)
NPLs Coverage Ratio            59%
Total Capital Adequacy        12.7%
Return on Assets*              0.4%
Return on Equity*              6.0%
*excluding one-off tax


                                                  2
Well diversified structure

Loan Book by Geography                                 Revenues by Geography
(% of gross loans)                                     (% of Group Operating Income)

                                 Cyprus
                  Turkey 2%        1%
                          Ukraine 1%

             Poland 8%
        Serbia 2%
                                                         New Europe
  Bulgaria 5%                                               32%
 Romania 6%
                                          Greece 75%



                                                                                  Greece 68%




 Figures as at FY2009
                                                                                          3
Prudent lending expansion –
conservative risk profile
Total Group Loans at € 57.5bn         Lending per Segment (% of total)



                                                   Large           Consumer
                                                 Corporates          18%
                                                    19%

New Europe                Greece
€ 14.5 bn                 € 43.0 bn
                                         Medium-
                                                                              Mortgages
                                           sized
                                                                                27%
                                        Enterprises
                                           20%


                                                        Small
                                                      Businesses
                                                         16%




  Figures as at FY2009
                                                                                   4
Strong Deposit Gathering –
Robust Liquidity Position
Deposits (€ bn.)                     Loans / Deposits Ratio (%)




                    + 1.2bn   46.8
             45.7                         126.2
                                                    122.4
New Europe   8.7              9.7                                 119.3


                              37.1
   Greece    36.9




             2008             2009        2007       2008         2009




                                                                          5
High efficiency – Strong capital base

Cost / Income (%)                                       Capital Adequacy Ratios (%)



                                                                                      12.7
                                                                     11.5
                                   64.1                                        10.4
                                          62.3

                                                               8.0                            2008
                                                 2008
       47.8
              48.4                                                                            2009
                                                 2009

                     40.2 41.9




       Group         Greece      New Europe                   Tier I Ratio    Total Capital
                                                                             Adequacy Ratio




                                                                                                     6
FY 2009 results highlights

     FY 09 net profit at € 362m*, 4Q 09 net profit at € 82m*
     Pre-provision profit at € 1,569m, up 1.2%yoy
     Operating Expenses decline substantially 6.1%yoy – the best performance in the Greek
      market
     Net Interest Income up by 1.5%qoq to € 608m for Q4, second best quarter ever
     Group’s non performing loans ratio at 5.2% is lower than the average of the Greek
      market.
     Strong liquidity position: Deposits grow €1.2bn yoy to €46.8 bn. Loan/Deposits ratio
      improves to 119.3%.
     Capital adequacy is strong and increasing:
          Common equity grows by €712 m in 2009 to €4.3 bn
          Core Tier I ratio expands by by 1.8% to 9.8%1.3% and CAD ratio strengthens by 2.3% to 12.7%,
           ratios which are among the highest in Europe




* Excluding € 57m one-off tax

                                                                                                      7
High credit ratings



                      Eurobank EFG
                                          Sovereign
                         Rating

       MOODY’S          A3 / P-2 / C-        A2



       S&P               BBB / A2           BBB+


       FITCH          ΒΒΒ- / F3 / C/D-3     BBB-




                                                      8
International Recognition

        Best Developed Market Bank, Greece          Export & Import Factor of the Year,
        for 2010                                    Globally, for 2009
        Best Foreign Exchange Bank, Greece
        for 2010
                                                    Financial Product of the Year, Bulgaria
        Best Sub-Custodian Bank, Greece
        for 2009                                    Best Investment Product, Bulgaria
                                                    Best Savings Product, Bulgaria for 2009


                                                    Bank of the Year, Serbia for 2010
        Best Trade Finance Bank, Greece
        for 2010
                                                    Best Up and Coming Private Bank,
                                                    Luxembourg for 2009


        Best Private Bank, Greece for 2009
        Best Local Private Bank, Romania for 2010   Best Bank for Small Businesses, Poland
        Best Private Bank, Cyprus for 2010          for 2009




                                                    Best Service in Retail Banking, Ukraine
                                                    for 2009

        Best Consumer Internet Bank
        Best Corporate/Institutional Internet
        Bank, Greece for 2009                       National award Eco-Management and
                                                    Audit Scheme, Greece for 2009


                                                                                              9
Responsible Corporate Citizenship


 The role of Eurobank EFG as a corporate citizen is an integral part of its identity
 and is manifested through the Group’s social contribution in the following areas:


   Charities       Education        Culture          Sports      Environment




                                                                                   10
Solid Shareholding Structure

Shareholders as at 31.12.09

                                                       EFG Group is an international banking group,
                                                       which operates through two subgroups:
                Other legal
               entities 8.7%                               – EFG International, which is a global private
                                                             banking and asset management group
                                                             headquartered in Zurich, Switzerland and listed
                                                             on the SIX Swiss exchange (EFGN), and its
Individuals                                                  direct parent company, EFG Bank European
  21.7%                                                      Financial Group SA, a bank based in Geneva.
                                           EFG Group       – Eurobank EFG, which is one of the largest
                                             44.1%           banking groups in Greece, listed on the Athens
                                                             Stock Exchange (EUROB), offering all types of
                                                             banking, asset management, insurance and
                                                             other related services throughout Greece and in
                                                             Central, Eastern and South-Eastern Europe,
                                                             London and in Luxembourg
   Institutional
                                                       At year-end 2008, EFG Group had total
     Investors
                                                       consolidated shareholders’ equity amounting to
       25.5%                                           CHF 8.7 billion, clients’ assets under
                                                       management in excess of CHF 165 billion and
                                                       27,000 employees across 40 countries.



*as identified by Shareholders’ Registry
                                                                                                               11

				
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