Investor Presentaiton
SEE Operations
€ mn
Jun-21
A%
A%
A%
A%
Romania
yoy
Cyprus
yoy
Albania
yoy
Total SEE
yoy
Deposits
2,548
(1.6%)
2,102
(4.5%)
520
4.2%
5,170
(2.3%)
Gross Loans
2,655
0.0%
3,165
(7.9%)
292
5.0%
6,112
(4.1%)
Mortgages
1,286
7.8%
1,720
(6.8%)
82
13.8%
3,088
(0.7%)
Consumer Credit
240
5.4%
218
(7.3%)
42
14.7%
500
0.1%
Businesses
1,129
(8.5%)
1,227
(9.7%)
169
(0.7%)
2,524
(8.6%)
NPE ratio
6.5%
72.7%
16.9%
NPE Cash coverage
82%
68%
40%
NPE Total coverage
141%
112%
131%
NPL ratio
3.4%
61.7%
10.8%
NPL Cash coverage
157%
80%
63%
NPL Total coverage
213%
121%
150%
Total Operating Income
67.4
(0.8%)
38.7
(21.9%)
9.2
(1.0%)
115.3
(9.1%)
Operating Expenses (pre O/H allocation)
(55.9)
5.8%
(31.1)
(14.1%)
(9.6)
5.2%
(96.7)
(1.6%)
Impairment Losses
(0.8)
(93.3%)
(318.8)
(1.4)
(321.1)
Profit Before Tax (pre O/H allocation)
10.6
(311.2)
(1.8)
(302.4)
Branches
131
17
34
182
Employees
1,995
515
416
2,929
1| Country View
55
ALPHA
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