Investor Presentaiton

Andbank Investor 2020 Asset side – Loans & NPLs ANDBANK Private Bankers Type of guarantee 2012 2013 2014 2015 2016 2017 2018 2019 Total loans (MM €) 1.825 1.768 1.900 1.860 Mortgage 961 923 801 771 733 629 615 734 1.638 1.657 1.507 1.513 Pledge 458 476 731 733 651 649 719 782 guarantee Personal/ 406 369 368 356 254 229 179 141 Others Total 1.825 1.768 1.900 1.860 1.638 1.507 1.513 1.657 NPL Ratio 2012 2013 2014 2015 2016 2017 2018 2019 Coverage ratio 122,5% 104,0% 100,5% 3,87% 3,57% 3,34% 3,47% 3,65% 3,22% 2,93% 67,7% 69,0% 58,4% 59,3% 2013 2014 2015 2016 2017 2018 2019 2013 2014 2015 2016 2017 2018 2019 24

View entire presentation