The Fly | EBKDY

Deep CEE Market Penetration: Extensive and well-established branch network combined with strong local knowledge provides a significant competitive moat across its core Central and Eastern European (CEE) markets.

Leading Digital Banking Platform: The "George" digital banking platform is a market leader in multiple CEE countries, enhancing customer convenience, driving efficiency, and attracting new clientele.

Robust Retail & SME Focus: A strong emphasis on the stable and growing retail and small-to-medium enterprise (SME) segments provides a resilient and diversified earnings base less susceptible to large corporate volatility.

Credit Risk Exposure: The risk that borrowers fail to meet their obligations, leading to loan defaults and financial losses for the bank.

Macroeconomic and Geopolitical Instability in CEE: Economic downturns, political instability, or significant policy changes in its core Central and Eastern European markets could adversely affect loan demand, asset quality, and profitability.

Market Risk Fluctuations: Adverse movements in interest rates, exchange rates, or equity prices can negatively impact the bank's net interest income, investment portfolio value, and trading results.

Leading Digital Banking Platform: The "George" digital banking platform is a market leader in multiple CEE countries, enhancing customer convenience, driving efficiency, and attracting new clientele.

Credit Risk Exposure: The risk that borrowers fail to meet their obligations, leading to loan defaults and financial losses for the bank.

Market Risk Fluctuations: Adverse movements in interest rates, exchange rates, or equity prices can negatively impact the bank's net interest income, investment portfolio value, and trading results.

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