EU Funds and Postbank

June 2010

Sofia

POSTBANK YOUR PROJECT PARTNER

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Eurobank EFG Group

Group financial highlights

as at Full Year 2009

Total Loans € 57.6 bn

Total Deposits € 46.8 bn

Total Assets € 84.3 bn

Pre-provision profit € 1,569m

Net profit* € 362 m

Key ratios

Net Interest Margin 2.8%

Cost / Income 48.4%

Non Performing Loans (NPLs)

5.2%

NPLs Coverage Ratio 59%

Total Capital Adequacy 12.7%

Return on Assets* 0.4%

Return on Equity* 6.0%

*excluding one-off tax

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€ 3.1 billion assets

8.50% market share

219 branches

Over 3 000 employees

Over 1 million clients

€ 2.3 billion Loan portfolio

€ 2.2 billion Client Deposit base

Postbank

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EU Funds & Postbank SBB

Expand your business with the help of Postbank and EU funds

Why Postbank? Because:

we listen carefully…

we understand your needs…

we want your business to succeed…

we will help you to develop your business ideas…

we will offer you reliable business support when you need it

we treat your small business seriously, as we would a big business and together we can solve your financing problems

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EU Funds & Postbank

Application stage

Credit promiseBank referenceProject accountPreparation of application form

Project approved

Investment loanBridge financing

Financing your own contribution ESCROW account

TendersContracts on

works & supplies

Documentary creditGuarantees

Imports ofgoods or services

Hedging currency risk

Payments

SettlementsTransfers from project account

EU grant payment

Bridge loanrepayment

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EU Funds & Postbank CBD

EU Financing

• Individual approach towards the specific business needs of each customer

• Personal relationship manager for each client

• Flexible decisions in financial deals structuring

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EU Funds & Postbank SBB

EU Business Equipment Loans

Fast procedure - Answer in 5 days

Preferential conditions- Financing up to 100% of the project

- Maturity up to 20 years- Flexibility - you define your payment schedule so repaying your monthly installments isn’t a burden- Preferential interest rate

Up to 90% of the collateral value

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EU Funds & Postbank SBB

EU Business Credit Line for working capital

Advantages:

- Maturity up to 20 years- Without repayments by the end of the year - Minimal requirements- Fast procedure

Business Credit line gives you:

- Cash availability- Repayment flexibility- The power to seize immediate business opportunities