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Investor Presentaiton

Level (H-P) Business confidence on an expansionary phase; housing market and construction activity remained resilient during the pandemic Business confidence recorded the highest performance since the beginning of the pandemic 2.5 Downswing 2.0 1.5 Industry 1.0 Construction ESI Services ESI Industry 0.5 Retail Trade Retail Trade 0.0 Retail Trade Construction -0.5 ESI Industry -1.0 -1.5 Services Contraction -0.3 -0.2 -0.1 0.0 0.1 m-o-m change 0.2 0.3 during 2021-2022 40% House prices growth dynamics remained resilient, despite the heavy toll of the pandemic 10% Expansion Construction 5% Services 0% -5% -10% 2015 2016 0.4 Upswing 0.5 0.6 2017 2019 Private Building Activity (Volume in thous. m3), rhs House Prices, Ihs % annual changes || IV I 2018 60% 40% 20% 0% -20% -40% -60% II III IV 2020 2021 Pre-pandemic environment (Jan-Feb 2020) ▲ Beginning of tourism season 2020 (Jun - Jul 2020) July 2021 Investment in construction is expected to climb sharply 20% 0% -20% -40% 2005 2006 2007 2008 Non-residential construction, rhs Residential construction, rhs Investment in construction (% annual change) Sources: Bank of Greece, IOBE, Eurostat, ELSTAT, European Commission (2021 Spring Economic Forecast) in bn € 40 22.6% 30 20.6% 20 2014 2015 2016 2017 2018 2019 2020 2021f 2022f Residential Investment, rhs 10 0 ■ Business confidence in all sectors of the economy is in an expansionary phase in July 2021, with business expectations in construction recording their highest performance (148.6 units) since April 2000. Despite the heavy toll of the pandemic on economic activity, house prices remained resilient, growing by 4.3% in 2020, while, in Q1 2021, house prices continued to rise by 3.2% y-o-y. Despite the pandemic crisis, the upward trend of investment in construction continued last year, having lost, only to a small extent, its growth dynamics. According to 2021 EC Spring Economic Forecasts, investment in construction is expected to increase sharply in 2021 and 2022. 23 ALPHA SERVICES AND HOLDINGS
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