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Investor Presentaiton

The development of GDP looks bleak in the short term The spread of Covid-19 and subsequent bans on travel and public gatherings have a very negative effect on the Icelandic economy GDP growth In a short time the world has changed. It's likely that the world economy will experience 6.6% 4.7% 4.5% 3.8% its worst recession since the Great Depression. The Great Lockdown, as 2.1% 1.9% Estimated GDP per capita in 2020 (2011 international dollar, thous.) 6.0% 47 named by the IMF, will heavily impact the Icelandic economy due to its dependency on tourism According to the IMF's latest forecast Iceland's GDP could shrink by 7.2% in 2020, followed by a strong rebound in 2021. Despite a larger contraction than in other Nordics GDP per capita will remain high There is great uncertainty surrounding all economic forecasts at this time and it is impossible to quantify the effects as of yet. As stated by the IMF "much worse growth outcomes are possible and maybe even likely" As the Chief Epidemiologist has hinted that some sort of travel restrictions will remain in -7.2% 2014 2015 2016 Iceland 2017 2018 2019 2020E 2021E Other Nordics Euro area *IMF forecast Tourism contribution to GDP (Arion Bank estimates)* Other Nordics 45 Iceland 36 Euro area Tourist arrivals via KEF airport (millions and YoY growth) 10% 9% 9% 2.5 8% 9% 9% 5% 24% -14% 8% 7% 8% 2 40% 7% 6% force throughout the year it's clear that 6% 5% 4% 5% tourist arrivals will drop dramatically. By how much is impossible to tell but Arion Bank's base case assumes roughly a 60% drop 5% 4% 1.5 30% 24% 1 -60% 3% 2% 0.5 1% 0% 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 0 2014 2015 2016 2017 2018 2019 2020E *2020 forecast not available 5 Sources: IMF, Icelandic Tourist Board, Statistics Iceland, Arion Bank. *
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