Investor Presentaiton

DEBT AND LTV (€m) Loans and bonds Loans from minorities Deferred debt expense 30 Sept 2020 31 Dec 2019 31 Dec 2018 31 Dec 2017 1,176 1,206 1,115 1,034 (8) (8) (10) (10) 6 7 6 7 Bank loans and bonds 1,174 1,205 1,112 1,031 Cash & cash equivalents & deposits 179 224 120 202 Net debt 995 981 992 829 Investment Property, assets held for 2,235 2,260 2,202 1,954 sale and residential landbank Right of use (45) (46) Assets for own use 7 7 6 6 Net loan to value ratio 45% 44% 45% 42% Average interest rate 2.5% 2.6% 2.7% 2.8% Interest cover 4.0x 4.2x 4.0x 3.5x Source: GTC 20 Due to rounding the figures in the table may not add up to totals | FIINANCIAL HIGHLIGHTS | GTC

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