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Main Market Listing and Offering of New Shares

ISI ICELAND SEAFOOD October 2019 Main Market Listing and Offering of new shares • • Working capital and its indebtedness Market practice of shorter payment terms to suppliers explains working capital needs Inventory requirements and the fact that average payment terms with suppliers of seafood is shorter than the average payment terms of end customers create a working capital need for companies like Iceland Seafood In most recent years Iceland Seafood's payables have amounted to 35- 39% of its inventory and receivables. Part of working capital is debt financed, largely in Spain with favourable terms, currently close to 1% Working capital • Moderate indebtedness of inventory and receivables creates flexibility In most recent years Iceland Seafood's indebtedness of inventory and receivables has been between 60-66% at year-end. This is well below the maximum drawdown ratios Following the proposed equity increase, the ratio can be expected to be below 40% all else being equal Working capital indebtedness 125 60% 150 100% 150 90% 120 80% 120 90 62 99 70% 65 66% 60% 90 50% 60 37% 39% 40% 60 36% 35% 66 35 30% 33 53 30 62 66 20% 30 31 10% 35 20 0 0% 0 2016 2017 2018 2019E 2016 2017 Inventories Receivables Payables Inventory and receivables 39 Revolving credit 51% 100% 130 80% 60% 39% 64 40% 20% 50 0% 2018 2019E Indebtness ratio (right axis)
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