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Investor Presentaiton

Overall COVID-19 Impact Primary data analysis 00 0-0 IMMEDIATE IMPACT March-April 2020 Significant direct impact • Containment measures selected as most significant negative impact channel. Far-reaching indirect impact • The indirect immediate impact extended well into all of the economy through changes in customer and firm behaviour. About 50% of all firms declared at least some decrease in turnover. SHORT-TERM IMPACT 3 to 6 months Further economic downturn expected About half of firms expect turnover to continue to fall. Temporary cost reduction measures planned Over 50% of firms plan wage reductions, firms in more impacted sectors also likely to indicate layoff plans. Approx. 41% of firms declared that they are ready to lay off at least part of their workforce. Expected layoffs (% of workforce) MEDIUM-TERM IMPACT Beyond 6 months More optimism regarding cost reductions Less firms reporting wage reduction and layoffs than in short-term horizon (38%; 32%) Directly-impacted sectors at great risk of ceasing operations Firms in directly impacted sectors (Accommodation, Food Services, and Transport) and smaller firms at high risk of ceasing operations. 80% 70% 60% 50% 40% 30% 20% 10% 0% 10% or less 10% to 30% 30% to 50% More than 50% ■3 to 6 months Over 6 months No expected action Source: Impact Assessment Survey 3
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