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Plaisio Computers S.A.

Interim / Quarterly Report Sep 22, 2021

2688_ir_2021-09-22_830e9eea-9bca-4580-a25e-9f09dd12a078.pdf

Interim / Quarterly Report

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PLAISIO COMPUTERS S.A.

Interim Financial Report

(1 January-30 June 2021)

(According to article 5 of the Law Ν.3556/2007 and the executive decisions of the Board of Directors of the Hellenic Capital Market Commission)

Hellenic Business Registry. No: 121561160000 S.A.REG. No: 16601/06/Β/88/13 MAGOULA ATTICA (THESI SKLIRI)

INTERIM FINANCIAL REPORT

(1ST OF JANUARY TO 30TH OF JUNE 2021)

The present Interim Financial Report is compiled according to article 5 of the law 3556/2007 and the relevant decisions 8/754/14.04.2016 and 1/434/03.07.2007 of the Board of Directors of the Hellenic Capital Market Commission and includes:

  • 1. Statements of the members of the Board of Directors of the Company
  • 2. Interim report of the Board of Directors for the period 01.01.2021-30.06.2021
  • 3. Report from the Auditor
  • 4. Financial Reports (of the Company and the Group) of the period 01.01.2021-30.06.2021

It is asserted that the present Interim Financial Report of the period 01.01.2021-30.06.2021 was approved unanimously by the Board of Directors of "PLAISIO COMPUTERS SA", during its deliberation on September 21st, 2021. The present Interim Financial Report of the period 01.01.2021-30.06.2021 is available in the Company's website (www.plaisio.gr), which is also lawfully recorded in G.E.M.I, where it will remain at the disposal of the investing public for at least ten (10) years after its publication.

CHAPTER 1

STATEMENTS OF THE MEMBERS OF THE BOARD OF DIRECTORS

The members of the Board of Directors of Plaisio Computers SA:

    1. George Gerardos of Konstantinos, resident of Magoula Attica, Thesi Skliri, Chairman of the Board of Directors
    1. Konstantinos Gerardos of George, resident of Magoula Attica, Thesi Skliri, CEO
    1. Aikaterini Vasilaki of Dimitrios, resident of Vyronas Attica, 85 Zoodochou Pigis, Member of the Board of Directors,

with our above-mentioned capacity and according to article No. 5, paragraphs 3 to 6, of the law 3556/2007, as it stands today, and as especially assigned from the Board of Directors of the Listed Company under the name "PLAISIO COMPUTERS SA" (hereafter referred to as the "Company" or as "PLAISIO"), we state and we assert that to the best of our knowledge:

(a) The interim financial statements of the Company and the Group for the period 01.01.2021-30.06.2021, which were compiled according to the standing accounting standards, present in a truthful way the assets and the liabilities, the equity and the results of the Group and the Company, as well as the companies which are included in the consolidation as a total, and

(b) The interim report of the Board of Directors of the Company presents in a truthful way the significant events that took place in the first six months of 2021, the important transactions between the Company and the related parties, as well as the evolution, performance and the position of the Company and the companies that are included in the consolidation as a total, including the description of the main risks and uncertainties they face.

Magoula Attica, September 21st, 2021 The asserting Members of the Board of Directors,

The Chairman of the Board The members that were appointed by the Board of Directors

George K. Gerardos Konstantinos G. Gerardos Aikaterini D. Vasilaki ID no. AI 597688 ID no. ΑΟ 507700 ID no. ΑΒ 501431

CHAPTER 2

INTERIM REPORT OF THE BOARD OF DIRECTORS FOR THE PERIOD 01.01.2021-30.06.2021

The present Half Year Report of the Board of Directors (from now on referred to as the ''Report'') which follows, refers to the first half year of the current period of 2021 (01.01.2021-30.06.2021).

This Report was compiled and is in line with the relevant provisions of the law 3556/2007 (Government Gazette 91A'/30.04.2007), as it is in force today as after its amendment by the law 4374/2016, and the 8/754/14.04.2016 and 1/434/03.07.2007 executive decisions of the Hellenic Capital Market Commission.

The present report contains in a brief, but substantive manner all the important units, which are necessary, based on the above-mentioned legislative frame and depicts in a truthful way all the relevant indispensable according to the law information, in order to deduce a substantive and well-founded appraisal of the activity, during the time period in question, of the company "PLAISIO COMPUTERS SA" as well as of the Group. In the Group, apart from Plaisio, also the following associated companies are included:

  • Plaisio Computers J.S.C., which is located in Sofia Bulgaria, in which Plaisio participates with 100%.
  • Plaisio Estate SA, which is located in Kiffisia Attica, in which Plaisio participates with 20%.
  • Plaisio Estate J.S.C, which is located in Sofia Bulgaria, in which Plaisio participates with 20%.

The present report accompanies the interim financial statements of the period 01.01.2021-30.06.2021. Given that the Company also compiles consolidated financial results, the present report is single, the main point of reference is the consolidated financial figures of the Company and the associated companies, and the parent company's figures are referred to when it is considered necessary in order to better understand its content.

This report is included integral with the financial statements of the Group and the Company and the other elements that are dictated by the law elements and statements of the financial report that refers to the first half year of 2021. The units of the Report and their content are as follows:

UNIT A

SIGNIFICANT EVENTS OF THE FIRST HALF-YEAR OF 2021

The significant events which took place during the first half of the financial year 2021 (01.01.2021-30.06.2021), as well as their effects on the interim financial statements are the following:

1. Renewal of the appointment of market making agreement

The Company informed the investing public on February 26th 2021, that the duration of the market making agreement signed on the 16th of February 2015 with Eurobank Equities S.A. is extended for one (1) more year and particularly by the 1st of March 2022. It is noted, based on the aforementioned contract and according to the terms and conditions of the agreement, Eurobank Equities S.A., with its capacity as market maker of the shares of the Issuer and for the improvement of the Issuer's liquidity, will transmit to the Trading System of the Athens Stock Exchange market making orders (i.e. simultaneous buy and sell orders) for its own account on the Issuer's shares, in accordance with those rules specifically defined by law and the Issuer will pay the agreed fee to Eurobank Equities S.A. for the aforementioned service.

2. Renewal of the appointment of market making agreement

The Company informed the investing public on April 29th 2021, that the duration of the market making agreement signed on the 11th of April 2014 with BETA SECURITIES S.A. is extended for one (1) more year and particularly by the 4th of May 2022.

It was noted, based on the aforementioned contract and according to the terms and conditions of the agreement, BETA SECURITIES S.A., with its capacity as market maker of the shares of the Issuer and for the improvement of the Issuer's liquidity, would transmit to the Trading System of the Athens Stock Exchange market making orders (i.e. simultaneous buy and sell orders) for its own account on the Issuer's shares, in accordance with those rules specifically defined by law.

3. Presentation to the Hellenic Fund & Asset Management Association

During the annual presentation of Plaisio Computers to the Hellenic Fund & Asset Management Association, the activities and the financial figures of the year 2020 of the Group were presented on May 11th 2021. Group sales came up to € 355 m. from € 317 m. in 2019, improved by 11,8%. Earnings before taxes came up to € 3,6 m..

Konstantinos Gerardos, Vice President and CEO of Plaisio highlighted the milestones of 2020:

  • Despite the fact that the stores, the main sales channel that represented 70% of the turnover remained
  • closed for one hundred days, sales increased by 11,8%
  • This success also reflected to increased market shares
  • Plaisio's customer base expanded, as 350.000 new customers started cooperating with Plaisio

Taking all the above into account, the credibility of the Plaisio brand was strengthened, as it was consistent with the delivery schedules and served the customers' needs by delivering very quickly compared to market conditions, in this difficult situation.

The new reality showcased the strength of Plaisio: The logistics infrastructure of € 38 m. in combination with the optimal number of stores, the investments of € 1,8 m. in the new e-commerce platform and the in house call center that came to occupy 360 people made this success possible. Plaisio has been investing steadily in the omni-channel model for the last 25 years, and in combination with the culture of training and adaptability, allowed us to employ and train people in the other sales channels instead of suspending and to best serve the increased demand.

George Gerardos, President and CEO, noted that with the consumers being now familiar with e-commerce, the legacy of credibility and confidence gained under conditions of great significance and with an omni-channel business model that exists for 25 years, Plaisio is "Future Ready".

4. Annual Ordinary General Assembly

The Company announced that on Tuesday June 8th 2021 at 17:00, the annual Ordinary General Assembly took place remotely in real-time via teleconference. The Shareholders, who attended in person or by correspondent, representing 19.625.176 common shares and equal voting rights, or 88,90% of a total of 22.075.665 shares and equal voting rights of the Company.

The annual Ordinary General Assembly of the Company took the following decisions on each issue of the Agenda, as these decisions are presented based on the voting results, according to article 133, par. 2 of the law 4548/2018, which have been uploaded to the legally registered website of the Company on Hellenic Business Registry (www.plaisio.gr).

Issue 1st: The General Meeting of the shareholders unanimously approved the annual Financial Report of the Company as well as of the Group of Companies of the 32nd fiscal year which ended on 31.12.2020 which was accompanied by the annual Financial Statements (company and consolidated) as well as the relevant annual Reports of

Interim Financial Report for the period 01.01.21-30.06.21

the Board of Directors and of the Auditors for the said fiscal year, which have been drafted in accordance with the applicable legal framework and have been published both with the post on the Company's webpage which is lawfully registered in Hellenic Business Registry (www.plaisio.gr), as well as with its shipment to the Regulated Market, in which are listed the shares of the Company, as well as to the Hellenic Capital Market Commission.

Issue 2nd: The General Meeting of the shareholders approved unanimously the disposal of the profits of the 32nd fiscal year 2020 (01.01.2020 – 31.12.2020) and in particular approved the distribution (payment) of dividend from the profits of the closing fiscal year of a total amount 1.103.783,25 Euro (gross amount), namely the amount of 0,05 Euro per share (gross amount), which is subject to the corresponding 5% tax withholding (0,0025 Euro per share) and therefore the final amount to be paid shall amount to 0,0475 Euro per share. Beneficiaries of the above dividend are the shareholders of the Company who were registered in the records of the Dematerialized Securities System (D.S.S.) on Wednesday, June 23 2021 (record date). Τhe 22nd of June 2021 was set out as the ex-dividend date, in accordance with article 5.2 of the Athens Exchange Group Regulation. The payment of dividend commenced on Tuesday, June 29 2021 and was carried out through the Banking Société Anonyme under the name "Eurobank Société Anonyme". Under the same resolution which was adopted unanimously, the General Meeting of the shareholders granted to the Board of Directors the authorization for the proper and timely implementation and completion of the resolution which was adopted regarding the distribution (payment) of dividend.

Issue 3rd: The General Meeting of the shareholders approved unanimously the overall management which took place during the fiscal year which ended on 31.12.2020 as well as the discharge of the Chartered Auditors-Accountants from any liability for the facts and the management in general of the closing 32nd fiscal year 2020 (01.01.2020 – 31.12.2020), as well as the annual Financial Statements of the said year.

Issue 4th: The General Meeting of the shareholders approved by majority, following a relevant proposal of the Audit Committee, the election of the Audit Firm under the name "BDO CERTIFIED PUBLIC ACCOUNTANTS SOCIÉTÉ ANONYME" which is registered with the Public Registry pursuant to article 14 of Law 4449/2017 (Registration Number in the Institute of Certified Public Accountants of Greece – S.O.E.L. 173), for the carrying out of statutory audit of the annual and the semi-annual Financial Statements (company and consolidated) for the current fiscal year 2021 (01.01.2021 – 31.12.2021), as well as for the issue of the annual tax certificate and the tax compliance report of the Company for the fiscal year 2021, pursuant to the provisions of article 65A of Law 4174/2013. Under the same resolution which was adopted by majority, the General Meeting of the shareholders granted to the Board of Directors of the Company the authorization to proceed with the final agreement with the aforementioned Audit Firm regarding the amount of its remuneration for the delegated audit and the issue of the tax certificate, as well as to send the relevant notification-mandate in writing to the elected Audit Firm within five (5) days from the date of its election.

Issue 5th: the General meeting of the shareholders firstly approved by majority the remuneration, salaries, compensations and the other provisions in general, which were paid to the members of the Board of Directors for the services which they provided to the Company during the precedent fiscal year 2020 (01.01.2020 – 31.12.2020), secondly the General meeting of the shareholders approved in advance by majority the remuneration, salaries, compensations and the other provisions in general, which will be paid to the members of the Board of Directors during the current fiscal year 2021 (01.01.2021 – 31.12.2021) and which are consistent with the principles and rules of the existing Remuneration Policy, while it also granted the relevant authorization for the payment in advance of the aforementioned remuneration until the following Ordinary General Assembly, in accordance with the provisions of article 109 of Law 4548/2018, as in force.

Issue 6th: The General Meeting of the shareholders unanimously voted in favour of the Remuneration Report, which has been drafted in accordance with the provisions of article 112 of Law 4548/2018, included the complete overview of total remuneration of the members of the Board of Directors, including the Chief Executive Officer (one

or/and more than one), and explains how the Remuneration Policy of the Company was implemented for the immediately prior financial year.

Issue 7th: and under the direct, substantial and effective compliance and harmonization of the Company with the requirements and regulations of Law 4706/2020 (Government Gazette Issue A', No. 136/17.07.2020) about corporate governance and in particular with the conditions and criteria of independency as well as the provisions of conformity, diversity and adequate representation per gender in the Board of Directors, approved by majority the election of the new six-member Board of Directors by re-electing Messrs.: 1) Georgios Gerardos son of Konstantinos and 2) Konstantinos Gerardos son of Georgios from its outgoing members, as well as by electing Messrs.: 1) Aikaterini Vasilaki daughter of Dimitrios, 2) Apostolos Tamvakakis son of Stavros, 3) Alexios Pilavios son of Andreas and 4) Konstantinos Mitropoulos son of Sotirios, as its new members. Following the above, the Board of Directors of the Company, with a five years term of office, in accordance with the provisions of par. 3 of article 10 of the Articles of Association, or with a term of office dated until 08.06.2026, which may be extended until the expiry of the timelimit within which the next Ordinary General Meeting of the shareholders shall convene and until the adoption of the relevant resolution, shall consist of the following members:

1) Georgios Gerardos son of Konstantinos,

  • 2) Konstantinos Gerardos son of Georgios,
  • 3) Aikaterini Vasilaki daughter of Dimitrios,
  • 4) Apostolos Tamvakakis son of Stavros,
  • 5) Alexios Pilavios son of Andreas and
  • 6) Konstantinos Mitropoulos son of Sotirios.

Under the same resolution which was adopted by majority appointed as independent members of the Board of Directors of the Company Messrs.: 1) Apostolos Tamvakakis son of Stavros, 2) Alexios Pilavios son of Andreas and 3) Konstantinos Mitropoulos son of Sotirios, since they fulfill all independency conditions and criteria required by the existing regulatory framework (and in particular by both article 4 par. 1 of Law 3016/2002, in force until 17.07.2021 and in particular article 9 par. 1 and 2 of Law 4706/2020).

Issue 8th: The General Meeting of the shareholders adopted a resolution by majority, in accordance with the provisions of article 44 of Law 4449/2017, regarding the election of the new three-member Audit Committee, which shall constitute the Committee of the Board of Directors and shall consist of its three (3) non-executive members, which shall be, as a whole, independent form the Company, in accordance with the provisions of the existing legislative and regulatory framework in general.

It was decided that the term of office of the Audit Committee shall coincide with the term of office of the Board of Directors of the Company, which was elected by the present Ordinary General Meeting, namely to be for five years, commencing on 08.06.2021 and ending 08.06.2026, which may be extended until the expiration of the deadline within which the next Ordinary General Meeting of the shareholders shall convene and until the adoption of the relevant resolution. The members of the Audit Committee shall be appointed by the Board of Directors in accordance with article 44 par. 1 sentence c' of Law 4449/2017, as in force, while following the appointment of its members, the Committee shall constitute as a body for the purpose of the election of the Chairman among its members.

Issue 9th: The General Meeting of the shareholders approved unanimously the Suitability Policy for the members of the Board of Directors of the Company, which was prepared in accordance with the provisions of article 3 of Law 4706/2020 and the guidelines of the Hellenic Capital Market Commission, as particularly described in its Circular with number 60/18.09.2020.

Issue 10th: The General Meeting of the shareholders adopted a resolution unanimously on the provisiongranting authorization, pursuant to the provisions of article 98 par. 1 of Law 4548/2018, to the members of the Board of Directors and the Managers of the Company, so that they are able to participate in Board of Directors or in the

Interim Financial Report for the period 01.01.21-30.06.21

management of other companies which belong to the Group of Companies (existing or/and future) which seek for any similar or relevant objects and to proceed with actions which are included in the objects pursued by the Company.

Issue 11th: The General Meeting of the shareholders unanimously approved the establishment of a program for the purchase of own shares of the Company, in accordance with the provisions of article 49 of Law 4548/2018, as in force, and in particular approved the purchase within a period of twenty four (24) months from the date of receipt. of this decision, ie until 08.06.2023, a maximum of 2.207.567 common, registered shares, which correspond to 10% of the total existing shares of the Company, with a range of purchase prices of € 2,25 per share (minimum limit) and € 7,00 per share (maximum). Simultaneously with its unanimous decision, the General Meeting provided the Board of Directors of the Company with the authorization for the proper implementation of this procedure, in accordance with the applicable regulatory framework.

Issue 12th: The General Meeting of the shareholders unanimously approved the amendment of article 22 of the Articles of Association of the Company, under the exact form as it has been announced in a draft version by the Company.

5. Convocation of the newly-elected Board of Directors into body

The Société Anonyme under the name "PLAISIO COMPUTERS SOCIÉTÉ ANONYME" and with the distinctive title "PLAISIO COMPUTERS S.A." (hereinafter referred to as the "Company"), informed the investing public on Tuesday June 8th, pursuant to paragraphs 4.1.3.1 and 4.1.3.6 of the Regulation of the Athens Exchange Group, as in force today, in combination to par. 1 of article 17 of the Regulation (EU) No. 596/2014 of the European Parliament and of the Council of Europe of the 16th of April 2014, that the new six-member (6-member) Board of Directors of the Company, which was elected by the Annual Ordinary General Meeting of the shareholders of the 8th of June 2021,was constituted into body on the same date as follows:

    1. Georgios Gerardos of Konstantinos, Chairman of the Board of Directors (executive member).
    1. Konstantinos Gerardos of Georgios, Chief Executive Officer (executive member).
    1. Apostolos Tamvakakis of Stavros, Vice-Chairman of the Board of Directors (independent non-executive member).
    1. Aikaterini Vasilaki of Dimitrios, Member of the Board of Directors (executive member).
    1. Alexios Pilavios of Andreas, Member of the Board of Directors (independent non-executive member).
    1. Konstantinos Mitropoulos of Sotirios, Member of the Board of Directors (independent non-executive member).

Pursuant to par. 3 of article 10 of the Articles of Association of the Company, the term of office of the new Board of Directors is for five years, that is until 08.06.2026 and may be extended until the expiry of the time-limit within which the next Ordinary General Meeting of the shareholders shall convene and until the adoption of the relevant resolution, but shall in no case exceed six (6) years.

6. Announcement regarding new storage space

The Société Anonyme under the name "PLAISIO COMPUTERS SOCIÉTÉ ANONYME" and with the distinctive title "PLAISIO COMPUTERS S.A." (hereinafter the "Company"), informed the investors, that, in view of the development of its activities and for the main purpose of the extension and enhancement of its storage facilities, it proceeded with the preparation of a preliminary agreement which was prepared by a notary for the purchase of an immovable property which is situated in the location LOUTSA, of the Municipal Unit of Magoula of the Municipality of Elefsina, Attica, in the Industrial Park of Magoula, which covers a total area of 16.402,82 sq. meters, which also includes an industrial building in the ground floor, which covers an area of 6.313,30 sq. meters, which is owned by the société anonyme under the name "AKRITAS S.A.", for a total consideration of two million nine hundred thousand Euro (2.900.000 €), and for the completion of the final agreement was set out as the ultimate time-limit of the 31st of December 2021. At the same time

Interim Financial Report for the period 01.01.21-30.06.21

for the time-period until the preparation of the above final agreement the Company proceeded with the tenancy of the above immovable property, so that it is able to immediately take advantage of and exploit it.

7. Appointment from the BoD of the members of the Audit Committee and constitution into body

The Société Anonyme under the name "PLAISIO COMPUTERS SOCIÉTÉ ANONYME" and with the distinctive title "PLAISIO COMPUTERS S.A." (hereinafter referred to as the "Company"), informed the investing public on June 11th, pursuant to paragraphs 4.1.3.1 and 4.1.3.6 of the Regulation of the Athens Exchange Group, as in force today, in combination to par. 1 of article 17 of the Regulation (EU) No. 596/2014 of the European Parliament and of the Council of Europe of the 16th of April 2014, about the following:

A. The Board of Directors of the Company, following the relevant decision of the Annual Ordinary General Assembly of Shareholders of June 8, 2021, on the election of a new three-member Audit Committee, at its meeting of June 9, 2021, appointed the Members of the Audit Committee, according to the provisions of article 44 par. 1 el. c of L. 4449/2017, as in force. In particular, during the above meeting of the Board of Directors, the following persons were elected as Members of the threemember Audit Committee, after previously being checked and ascertained the full fulfillment of these conditions set by the current regulatory framework, namely:

  1. Alexios Pilavios of Andreas, Member of the Board of Directors (independent non-executive member).

  2. Apostolos Tamvakakis of Stavros, Member of the Board of Directors (independent non-executive member).

  3. Konstantinos Mitropoulos of Sotirios, Member of the Board of Directors (independent nonexecutive member).

The term of office of the Audit Committee of the Company is for five years, that is until 08.06.2026 and may be extended until the expiry of the time-limit within which the next Ordinary General Meeting of the shareholders shall convene, but shall in no case exceed six (6) years.

Β. The members of the Audit Committee came to a meeting on 9th June 2021 in order to elect the President of the Audit Committee and the constitution of the Audit Committee into body. During the aforementioned meeting of the Audit Committee, Mr. Alexios Pilavios of Andreas was elected as President of the Audit Committee.

As a consequence, the Audit Committee constituted as follows:

  1. Alexios Pilavios of Andreas, President of Audit Committee.

  2. Apostolos Tamvakakis of Stavros, Member of Audit Committee.

  3. Konstantinos Mitropoulos of Sotirios, Member of Audit Committee.

UNIT B

MAIN RISKS AND UNCERTAINTIES FOR THE 2ND HALF-YEAR OF 2021

The most common risks that the Group is likely to be exposed to at the second half of the current year are the following:

The risks from the spread of COVID-19 and the actions of the Company

In the first half of 2021, and especially in the second quarter of this year, when restrictions on movement and the ability to visit the stores in person were substantially mitigated, the impact of the coronavirus was significantly lower, both macroeconomically and in terms of performance of the Group. According to recent data from ELSTAT (September 10th), the country's GDP in the first half increased by about 6,3% compared to the data of the same period in 2020, a development mainly due to its double-digit rise in the second quarter (+16,2%), but also in its smallest expected decline (-2,3%) in the first quarter, compared to the data of the same quarters of 2020. This national performance exceeded the average recovery of the European Union (13,8% ) and has one of the highest scores among its Member States. It follows, therefore, that the strong assistance provided centrally by the European Union to its constituent countries and the relevant measures and programs of support for businesses and workers implemented by the Greek State, enabled the faster-than-expected recovery of the European and of the Greek economy. In particular, for the national sector of retail sales , their volume in the second quarter increased by more than one-fifth (+ 20,7%) compared to the second quarter of 2020, exceeding the average improvement of the National Economy. We believe, however, that the more improved picture of the wider industry in which the Group operates is due, in addition to the reasonable more intense decline in operations in the first half of 2020 due to the greater because of the consequences of the pandemic outbreak, to the adoption / faster adaptation by consumers to the model of market management, with the main feature of the rapid spread of e-commerce. Therefore, the tectonic changes that occurred in the previous year and a half, concerning the way sales are realized in retail trade, appear to be structural, ie permanent. Therefore, these companies that have characteristics such as size, better organization and enhanced corporate governance are expected to outperform those that do not have or have the above characteristics to a lesser extent.

In the above context, the Management of the Group monitors from the beginning of the pandemic the relevant developments and ensures the taking of measures and the implementation of policies that are deemed necessary, in order to achieve the reduction of the negative consequences. In particular, during the first half of 2021 the Group:

  • It has optimized the operation of the online store (e-shop), the sales through the contact center and the distribution and delivery network of its products.
  • During the operation of the stores, all employees serve with a mask, while the cash registers and service points maintain the protective plexiglass covers for the protection of staff and customers.
  • Hygienic instructions are followed for the hygiene rules, the maximum allowed number of customers depending on the surface of the store and the obligatory distances between the customers, while lines have been placed to keep the waiting distance for the cash register and antiseptic is provided in all areas. At the same time, customers are now given the opportunity, even when the stores are open, to use the click away service, which means that the customer can order the products he wants and pick them up from a store of his choice in just a few hours. , thus minimizing both his contacts and his stay inside the store.

• In terms of the amount of receivables from customers, the impact of the pandemic during the first half has now been eliminated as the relative increase in the relevant item compared to 31.12.2020 is attributed exclusively to the increase in the Group's turnover.

Overall, developments on the pandemic front in the first half of the year, dominated by the start of population vaccination and acceleration by the end of the period, have led the economy to a slow but steady pace of normalcy, which is expected to continue the second half. At the same time, theys increased consumer confidence in the return of the economy to satisfactory levels of growth. The Group, for another period, moved effectively in dealing with the consequences of the pandemic, a fact that is directly reflected through the growth of its operations. Based on the above, this risk is considered significantly reduced compared to the last reporting period, and in the annual financial statements for the year 2021 will be considered its future non-reporting in this section.

1. Interest Risk

The total bond loans of the Company and of the Group, on June 30th 2021, were 17.380 th. €, of which the long-term loans were 12.640 th € (15.360 th. € on 31.12.2020), and the short term bond loan were 4.740 th. € (3.540 th. € on 31.12.2020). From the total bond loans, the 8.980 th. Euro refers to common bond loans from NBG, while the 8.400 th. Euro refers to common bond loans with floating interest rate from Eurobank SA.. The short-term bank loans are null both on 30.06.2021 and 31.12.2020.

The following table presents the sensitivity analysis of both the results of the period and the net equity to a change of the interest rate of +1% or -1%. The relevant influence is presented as follows:

Α) Interest Rate increase by 1%:

  • The results of the period as well as the Net Equity of the Group and of the Company, in this case, would decrease by 174 th. € and 139 th. € on 01.01-30.06.2021 and on 01.01-30.06.2020 respectively.

B) Interest Rate decrease by 1%:

  • The results of the period as well as the Net Equity of the Group and of the Company, in this case, would increase by 174 th. € and 139 th. € on 01.01-30.06.2021 and on 01.01-30.06.2020 respectively.

The level of interest rates remains at a satisfactory level due to the excellent capital structure of the Group, the absolute consistency over time in repaying its financial obligations, and the relationship of cooperation and trust which retains with the banking system. In this regard, the exceptional liquidity of the Group is highlighted by the fact that its cash and cash equivalents, both in recent years and on 30.06.2021, exceed its total bank borrowing.

2. Credit Risk

The Group has no significant credit risk, mainly because of the large dispersion of its customers. Retail sales are paid in cash or via credit cards whereas for wholesales the Group has all the necessary internal procedures according to which it gives credit, examining the creditworthiness of the customer, by each case separately. Furthermore, it is a policy of the Group, that the largest amount of receivables from customers is insured. The Company has divided its customer's base to named and non-named. The balances of the Public Sector are not insured.

The Company and the Group form a provision for doubtful receivables, as stated in note 13 of the Half Year Financial Report.

The above-mentioned bad debt provision includes:

a) a strictly defined provision for all the customers that have been characterized as doubtful

Interim Financial Report for the period 01.01.21-30.06.21

b) a specific provision for all the customers that have overdue balances based on the ageing of their balances c) a provision, based on the increased level of risk because of the conditions of the economic environment, taking in

consideration the reduced liquidity of Greek businesses and the difficult access to bank financing. It is noted that this provision includes also non-overdue receivables. For this provision the balances of all the customers have been taken into account, with the exception of the receivables from Plaisio Computers JSC, as it is considered that there is no risk of non-collection of these particular balances, given that PLAISIO COMPUTERS JSC is controlled 100% by the parent Company. The debit balance of the Company Plaisio Computers JSC to the parent

company Plaisio Computers SA on 30.06.2021 amounted to 319 th. €.

d) the Group has already moved to a provision for the balances from the Public Sector. It is noted that this provision, also includes non-overdue balances.

On June 30th 2021 the total balance of customers and other trade receivables (not including the subsidiary) for the Group and the Company, was 31.101 th. € and 30.633 th. € while the provision for doubtful receivables was 3.078 th. € and 2.978 th. €. On 31.12.2020 the total balance of customers and other trade receivables, for the Group and the Company, was 29.944 th. € and 29.421 th. €, while the provision for doubtful receivables came up to 2.681 th. € and 2.583 th. € for the Group and the Company respectively. Therefore, the percentage of provisions in terms of receivables increased for the Group to 9,9% at the end of the first semester of 2021, compared to 9,0% at the end of the previous year. The relevant figures for the Company amounted to 9,7% and 8,8% on 30.06.2021 and 31.12.2020 respectively.

The trade receivables increased by 4% compared with the balances on 31.12.2020. This only 4% increase is attributed to the increase in sales (34%). In any case, the Management closely monitors the maturity of the balances of the customers and, as a result, about 95% of them are categorized in 0 - 90 days. Especially, a relatively limited percentage of customers who had presented payment checks, made use of the benefit of the 75-day extension provided by the State. After the expiration of the deadline for suspension of checks, no insolvency was observed. A very small percentage of the checks, regarding specific business customers in sectors which adversely affected by pandemic are still extended and remains insured. As for the checks that did not use the benefit of the extension, no insolvency was observed.

In any case, the insurance of balances, the small and steady increase in provision for bad debt as a percentage to receivables in addition to the conservative policy regarding the provision for impairment, lead to the estimation that this particular risk is controlled and any negative consequences in the future are probably limited.

3. Inventory - Suppliers Risk

The Group takes all the necessary measures (insurance, safekeeping) so as to minimize the risk and contingent damages due to physical disasters, thefts etc. Furthermore, since the Group takes activity in a sector of high technology, where the risk of technical devaluation is significant, the Management reviews the net realizable value and forms the appropriate provisions so that their value in the financial statements coincides with the real one.

On 30.06.2021, the net inventory was 69.531 th. €, as from the 79.438 th. € (gross amount) a provision for devaluation amounting to 9.908 th. € was taken by the Group. The respective amounts for the Company were 68.124 th. €, 77.985 th. € and 9.861 th. €. On 30.06.2021, the inventory increased only by 14% compared to the increase in sales (34%) of the Group. Also, the increase in the inventory in a lower part is attributed to the program "Digital Access". The Group, in order to satisfy the demand for PCs of this program, suppled enough inventory. As a result, the inventory turnover remained unchanged at 77 days, while the increased provision for devaluation (12,5% compared to 12,0% on 31.12.2020) offers higher security. The Company estimates that due to the successful operation of the systems of the supply chain (logistics) of its operations it has not stored products beyond the usual levels and therefore does not run an increased risk of devaluation. Finally, based on the data available up to the date of conduction of the interim financial

report, no significant change in the amount of stocks is expected.

Interim Financial Report for the period 01.01.21-30.06.21

Regarding the risk of suppliers, the Company considers it limited, as there is no significant dependence on one or some of them. Two suppliers contribute more than 10% of the total value of the Group's supplies, with a percentage that only slightly (12,7% and 11,7%) exceed the relevant limit. With these suppliers, the Group maintains a long-term and undisturbed professional relationship, without any conflict of interest. At the same time, as for the advances given by the Company, these are distributed to the suppliers in a relative proportion to the value of the products they provide. The above signals the consistent policy of the Management to ensure that there is no dependence on individual suppliers and, to minimize the relative risk in case of termination of cooperation or possible bankruptcy of a supplier, a policy which is not expected to be changed during the second half of the year 2021.

4. Foreign Exchange Risk

The foreign exchange risk is the risk of volatility of the value of financial assets and liabilities due to changes of exchange rates. The majority of the Group's transactions and balances are in Euro, but at the same time, the Group has deposits in foreign currency. Furthermore, there are no loan liabilities in a currency other than the Euro. The Group in certain cases, outweighs the foreign exchange risk, by conducting derivative contracts, without proceeding with hedge accounting for that matter.

The Management of the Group observes at all times the foreign currency risks that may arise and evaluates the need for relevant measures. Due to the fact that the purchase invoicing from many suppliers is expressed in US dollar terms, hedging is usual, which results in variations in the financial periods at the exchange rate results. The Group holds deposits of 2,3 million dollars. The activity of the Group in Bulgaria is not considered to affect currency risk, as the exchange rate of the Bulgarian currency to the Euro is fixed.

5. Turnover Seasonality

Sales' seasonality demands rational working capital management and smooth inventory inflows in order to avoid any shortage and as a consequence the operating risk remains in low levels. The Group's sales are characterized by limited seasonality as 55% of the total sales are realized in the second half of the year. In the second semester of the year, the sales from the beginning of the school and academic year, the sales from Black Friday and the sales from the Christmas period are realized. Despite the seasonality, the Management estimates the referred risk as limited due to the wide liquidity and the ability to act immediately in cases of necessity of increased inventory and due to the retention of sufficient inventory for the needs of the Group.

6. Intensity of Competition

The Company operates in an intensively competitive industry, as there are many retailers which operate in the consumer electronics sector, resulting in lower gross profit margins. However, due to the multi-product approach and the differentiation it offers to the Group (e.g., office products), it is not an easy exercise to identify an identical business model in the market. In the last years, we observe high level of concentration in a low number of companies which have sufficient capital in order to cope with adverse evolutions in the Market. This happens, mainly, due to the intense competition, the suppressed profit margins and given the need for increased working capital lead to increased finance cost. In such an environment, the Group achieves over time one of the best performance margins, and consistently shows profitability, facts that prove the success in the referred Market.

However, the competition may change in the future with the entrance of new competitors in the market or with the amendments of the strategy of the already existed competitors. Also, in periods when the consuming spend is stable or decreasing, the competition can lead to redistribution of the market shares. The intensity of competition may negatively affect the turnover and the profitability of the Group.

7. Liquidity Risk

The Group retains high level of cash and cash equivalents, which exceed significantly the total of its exposure to borrowing, while at the same time it has pre-approved credit balances in order to minimize liquidity risk. The Group, is also highly estimated by the Greek banks and its vendors, because its 52-year dynamic course in the Greek market.

The financial liabilities of the Group and of the Company on 30.06.2021 are analyzed as follows:

THE GROUP 30.06.2021 up to12 months from 1 up to 2 years from 2 up to 5
years
from 5 years on
Suppliers & Other Short term Liabilities 56.124 0 0 0
Loans & Interest 5.075 2.112 11.157 0
Total 61.199 2.112 11.157 0
THE GROUP 31.12.2020 up to12 months from 1 up to 2 years from 2 up to 5
years
from 5 years on
Suppliers & Other Short term Liabilities 64.430 0 0 0
Loans & Interest 3.926 3.943 10.892 1.315
Total 68.356 3.943 10.892 1.315
THE COMPANY 30.06.2021 up to12 months from 1 up to 2 years from 2 up to 5
years
from 5 years on
Suppliers & Other Short term Liabilities 55.674 0 0 0
Loans & Interest 5.075 2.112 11.157 0
Total 60.749 2.112 11.157 0
THE COMPANY 31.12.2020 up to12 months from 1 up to 2 years from 2 up to 5
years
from 5 years on
Suppliers & Other Short term Liabilities 63.654 0 0 0
Loans & Interest 3.926 3.943 10.892 1.315
Total 67.580 3.943 10.892 1.315

The Group considers its liabilities to suppliers as short-term (12 months). In the same category it includes other short-term liabilities and tax liabilities. The suppliers and other short term liabilities decreased by approximately 10 m. € despite the significant increase in turnover.

Taking into consideration all the above-mentioned acknowledgments and the wide liquidity, at this moment and for the rest of the fiscal period, this particular risk is considered under the Group's control.

Apart from the aforementioned, there are no other risks that need to be quoted in this Interim Financial Report.

UNIT C

IMPORTANT TRANSACTIONS WITH RELATED PARTIES

In this section the most important transactions between the Company and its related parties, as they are defined by IAS 24, are presented:

The companies that are related to the Company and are members of the Group are the following:

1. PLAISIO COMPUTERS JSC (Subsidiary), which is located in Sofia Bulgaria, in which the Company participates by 100%.

2. PLAISIO ESTATE JSC (Associate), which is located in Sofia Bulgaria, in which the Company participates by 20%.

3. PLAISIO ESTATE S.A. (Associate), which is located in Kiffisia Attica, in which the Company participates by 20%.

In the following table, the company BULDOZA S.A. is also included, in which shareholder by 100% is Konstantinos Gerardos, the Vice President and C.E.O. of PLAISIO COMPUTERS S.A. It is specified, that this company is not consolidated, but is a related party, as this is defined in paragraph 9 of IAS 24.

During the first semester of 2021 the receivables and the liabilities of each company as well as the income or expense which resulted from the transactions with Plaisio according to IFRS were the following (amounts in th. €):

Income from Expenses from
Company Receivables of Plaisio Liabilities of Plaisio transactions with transactions with
Computers Computers Plaisio Computers Plaisio Computers
Plaisio Estate SA 0 12 81 0
Plaisio Computers JSC 319 0 0 2.162
Plaisio Estate JSC 0 0 0 0
Buldoza SA 192 0 0 164
Total 511 12 81 2.325

More specifically and in order to identify further the above mentioned transactions some clarifications follow:

1) Plaisio Estate S.A. collected from Plaisio Computers S.A. 81 th. €, which referred to rents and service delivery from renting buildings (30 th. € & 51 th. € respectively).

2) Plaisio Computers S.A. invoiced Plaisio Computers JSC for sales of merchandise to the latter with 2.162 €.

It is, furthermore, clarified that for the above mentioned period of time, Plaisio Estate JSC had income of 42 th. € from Plaisio Computers JSC, which came from rents.

3) Plaisio Computers SA invoiced Buldoza S.A. for sale of merchandise and services with the amount of 164 th. €.

4) It is, additionally, noted that the transactions and remuneration of the managers and members of the Board of the company came up to 368 th. € for the period 01.01.2021–30.06.2021. At the same time, the receivables of the Company from managers and members of the Board came up to 0 th. € on 30.06.2021.

The transactions and remuneration of the managers and members of the BoD for the period 01.01.2020- 30.06.2020 came up to 324 th. €, while the receivables of the Company on 30.06.2020 came up to 0 th. €.

Plaisio Estate JSC, decided on 30.06.2021 to pay dividend of 2 th. € to the Company for the fiscal year of 2020 which was paid on 21.07.2021. Plaisio Computers JSC, decided on 30.06.2021 to pay dividend of 154 th. € which was paid on 21.07.2021.

The aforementioned transactions are in line with the usual activities of the Company and in any case do not affect significantly the financial position and the results of the Company. It is, also, noted that for all the aforementioned transactions the principle of "Arm's Length" was followed.

UNIT D

DEVELOPMENT AND PERFORMANCE OF THE GROUP - FINANCIAL AND OTHER BASIC PERFORMANCE INDICES

In this unit there is a short but substantial depiction of the development of the performance and the positioning of the Company and the Group, in a way to present a balanced analysis of the Group in relation to its size and complexity.

Development and performance of the Group

The development of the Group is presented in the tables below:

In th. Euros 01.01.2017- 01.01.2018- 01.01.2019- 01.01.2020- 01.01.2020- 01.01.2021-
31.12.2017 31.12.2018 31.12.2019 31.12.2020 30.06.2020 30.06.2021
Sales 286.098 308.858 317.149 354.634 148.566 199.219
Gross Profit 62.133 63.110 64.246 65.540 28.440 33.950
E.B.T. 7.288 6.100 3.008 3.610 501 1.912
E.A.T. 4.900 3.856 1.947 3.109 330 1.426

And in percentages:

2018 vs 2017 2019 vs 2018 2020 vs 2019 6Μ 2021 vs 6M 2020
Sales 8,0% 2,7% 11,8% 34,1%
Gross Profit 1,6% 1,8% 2,0% 19,4%
E.B.T. (16,3%) (50,7%) 20,0% 281,5%
E.A.T. (21,3%) (49,5%) 59,7% 331,8%

Financial and other basic Ratios for the Group's performance

Financial Indices
30.06.2021 31.12.2020 Comments
Current Assets / Total Assets 66,9% 66,6% These indices display the proportion of capital which has
Fixed Assets / Total Assets 33,1% 33,4% been used for current and fixed assets.
Net Equity / Total Liabilities 79,8% 71,9% This index shows the relationship between equity and debt
financing.
Total Liabilities / Total Net
Equity & Liabilities
55,6% 58,2% This index shows the dependency of the company on loans.
Net Equity / Total Net Equity
& Liabilities
44,4% 41,8%
Net Equity / Fixed Assets 134,2% 125,1% This index shows the degree of financing of the fixed assets
of the company from the Net Equity.
Current Assets / Short-term
Liabilities
206,2% 195,2% A liquidity ratio that measures a company's ability to pay
short-term obligations.
Working Capital / Current
Assets
51,5% 48,8% This index shows the part of current assets which is
financed by the working capital.
Indices of Financial Performance
01.01-30.06.2021 01.01-30.06.2020 Comments
EBT/ Total Sales 1,0% 0,3% This index shows the total performance of the company in
comparison to total sales.
EBT / Net Equity 2,0% 0,5% This index shows the yield of the company's equity.
Gross Profits / Total Sales 17,0% 19,1% This index shows the GP in % over the sales.

Turnover

The Sales of Group on the 6M period of 2021 came up to 199.219 th. € compared to 148.566 th. € in the relevant period in 2020, having significantly increased by 34,1% mainly due to the increased sales of Computers and Digital Equipment, supported, also, by the program "Digital Access", and the increased sales in Domestic Appliances, since the sales from this activity recorded the highest percentage increase from the first half of 2020. More specifically sales of personal computers and digital products came up to 95.921 th. € having increased by 42,8% in comparison to the relevant period in 2020. The increase in the sales of the segment led to an increase in the segment's participation to 48,1% from 45,2% in 6M 2020 in the total sales of the Group. The sales under the program "Digital Access" were 13,2 m. € and they are included in the Computer and Digital Equipment segment. Telephone products sales came up to 37.771 th. € and the percentage increase was 39,7% compared to the respective period in 2020. This operating segment reflects 19,0% of the total turnover of the Group (6M 2020: 18,2%). The sales of Office Products remained almost stable to 46.442 th. €, reflecting less than a quarter (23,3%) of the Group's total revenue (6M 2020: 31,0%).

The sales of the "Domestic Appliances" category came up to 17.766 th. Euro, increased by 149% compared to the respective period last year. Finally, the sales of services increased to 1.319 th. € from 1.218 th. € the respective period in 2020.

Office Computer and Telecom Domestic
Equipment Digital Equipment Equipment Appliances Other Total
Revenue 6M 2021 46.442 95.921 37.771 17.766 1.319 199.219
Revenue 6M 2020 46.009 67.181 27.028 7.130 1.218 148.566
% Δ 0,9% 42,8% 39,7% 149,2% 8,3% 34,1%

Gross Profit

The Cost of Sales increased by 37,6%, a percentage slightly higher than that of sales, resulting the Group's gross profit to end up to 33.950 th. (increased by 19,4%). € in the first half of 2021 compared to 28.440 th. € in the first half of 2020. As a result of the above, the Gross Profit Margin ended to 17,04%, i.e. 210 b.p. lower than the respective period of 2020.

Operational Expenses - Financial Income, Expenses and Profits from Associates

The expenses of the Group, including the financial expenses, increased by 14,4%, but by a lower percentage than that ofss sales and ended up to 32.257 th. €, versus 28.189 th. € in the respective period of 2020 and are analyzed as follows:

The relevant figures for 01.01.2021 – 30.06.2021 were:
Administrative Expenses: 4.947 th. €
Distribution Expenses: 25.761 th. €

Interim Financial Report for the period 01.01.21-30.06.21

Other Expenses/(Income): 422 th. €
Net Financial Expenses: 1.120 th. €
(Profits) from Associates: 7 th. €

The relevant figures for 01.01.2020 – 30.06.2020 were:

Administrative Expenses: 4.676 th. €
Distribution Expenses: 22.434 th. €
Other Expenses/(Income): 30 th. €
Net Financial Expenses: 1.049 th. €
(Profits) from Associates: 0 th. €

Results

The Group's earnings before taxes increased by 281,5% to 1.912 th. €, compared to the 501 th. € in the respective period of 2020. Respectively, earnings after taxes ended up to 1.426 th. € from 330 th. € in the first semester of 2020, increased by 331,8%.

Earnings per share

The earnings per share, basic and diluted came up to 6,46 eurocents, than 1,50 eurocents in the relevant period of 2020.

UNIT E

Alternative Performance Measures ("APM")

As Alternative Performance Measure (APM) is considered, according to the definition of the European Capital Commission, a financial ratio which measures the historical or the future financial performance, financial position or cash flows, which is not defined by the IFRS. Even if APM are not included in IFRS, APM have to be evaluated supplementary with the figures provisioned by the IFRS and always in combination with the IFRS results.

The Group uses in a limited extent the Alternative Performance Measures ("APM") during the publication of the financial performance with target the better understandability of the operating results of the Group and its financial position. Plaisio has as a general principle, the presentation of the examined performance measures to be clear, in order for the measures to be suitable and useful for the decision making by the users of the interim financial statements.

A. Net Debt (Net Liquidity): Consist of an APM that is used in order to estimate the capital structure of the Group. It is calculated as the difference between the total debt (long-term and short-term) and the total of cash and cash equivalents. Net debt is an "APM" which is used by the Management for the evaluation of the capital structure of the Group and the leverage ability. Net debt is calculated by adding to long-term loans, the short-term part and the short-term bank loans minus the cash and cash equivalents (see table below). If the result of the aforementioned difference is negative (as in the case of Plaisio) indicates the liquidity of the Company exceeds its total liabilities.

NET DEBT (LIQUIDITY) THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Total long-term debt 12.640 15.360 12.640 15.360
Total short-term debt 4.740 3.540 4.740 3.540
Total debt (A) 17.380 18.900 17.380 18.900
Minus: Cash & cash equivalents (B) (39.212) (58.469) (37.909) (57.114)
Net Debt (Liquidity) (A) - (B) (21.832) (39.569) (20.529) (38.214)

B. Earnings before interest, taxes and depreciation/amortisation – EBITDA: EBITDA constitutes the most used measure of operating effectiveness, because it considers only the expenses that are relative with the daily operation of the Group and the Company. EBITDA is the sum of the turnover with the other operating income minus the cost of sales and the total operating expenses before depreciation, amortisation, and impairment as it is presented in the table below. EBITDA expressed as a percentage to sales is calculated by dividing EBITDA with the Turnover.

EBITDA – % EBITDA THE GROUP THE COMPANY
30.06.2021 30.06.2020 30.06.2021 30.06.2020
Turnover (A) 199.219 148.566 195.068 144.765
Other Operating Income (Β) 219 250 218 238
Minus: Cost of Sales (C) (165.269) (120.125) (162.548) (117.379)
Minus: Total operating expenses before
depreciation, amortizations and impairment (D)
(27.534) (23.348) (26.627) (22.527)
EBITDA (A) + (B) + (C) +(D)= (Ε) 6.634 5.343 6.110 5.098
% EBITDA (Ε) / (A) 3,33% 3,60% 3,13% 3,52%

UNIT F

Events after the reporting period of 30.06.2021

The Company announced on 02/07/2021, that the Board of Directors of the Company appointed Ms. Stella Giovanaki as Head of the Company's Internal Audit Unit to replace Ms. Evangelia Giannopoulou. Ms. Stella Giovanaki meets the requirements of the current legal framework (article 15 of Law 4706/2020), i.e., she is full-time and exclusively employed, she has personal and functional independence, she is not a member of Board of Directors or a member with the right to vote in standing committees of the Company, she has no close ties with anyone who holds one of the above qualities in the Company and she has the appropriate knowledge and relevant professional experience to assume the above position. Ms. Stella Giovanaki is a graduate of Accounting and Finance Department of the Athens University of Economics and Business, and she has 3 years of active experience in internal audit following a 6-yearexperience in external audit. Ms. Stella Giovanaki assumed her duties as Head of the Internal Audit Unit since July 1, 2021.

The Company informed the investing public on 06/07/2021, that the Board of Directors of the Company appointed Mr. Marios Vamvakouris as Head of the Company's Corporate Announcements Unit to replace Ms. Aikaterini Vasilaki. Mr. Marios Vamvakouris assumed his duties as Head of the Corporate Announcements Unit since July 5, 2021.

Τhere are no other events after the reporting period, of the Group or the Company, which have a significant effect on the financial position of the Group or the Company.

UNIT G

Assessment of the evolution of the activities of the company during the second HY 2021

During the first half of 2021, the Group proved, through the improvement of its financial figures, that the challenge of the pandemic in relation to the effective management and the effect in the results, was addressed in a special positive way. The increase in sales is mainly attributed to the allocation, throughout the pandemic, of the consumers' purchasing direction towards to computers, in the sales of which the Company has a dominant market

position, and in the redistribution of the way of conducting transactions in favor of e-commerce where, also over time, the Company leads the way.

In the second half of the year, at this stage there are no indications that the above positive trend will take a break, given that, as mentioned above, consumer's confidence in the retail sector has recovered substantially. On the other hand, competition between companies operating in the field and having sufficient capital and working capital lines is constantly intensifying, which in fact leads to more or less compression of profit margins. It is also pointed out that, in the second half of 2020, was when the Company achieved the highest consolidated sales in the last decade, while the operating results were satisfactory. Moreover, positive performance is also required in the second half of 2021 in order to confirm the Group's growth on a comparable basis. As in every year, sales in specific time periods, at the beginning of the school year, the week of Black Friday and the Christmas period, will play an important role in shaping the final results. The above periods, mark the seasonality in sales as, historically, in the second half about 55% of the annual turnover is carried out and, with their course, form the final result of the year. Based on this analysis and given that again a negative discount from the pandemic, although with reduced chances of intervention, cannot be ruled out, the basic financial figures of the Group may show fluctuations that currently cannot be quantified.

Magoula, 21st September 2021

The Board of Directors

CHAPTER 3

AUDITORS REPORT ON REVIEW OF INTERIM FINANCIAL INFORMATION INDEPENDENT AUDITOR'S REPORT

To the Board of Directors of PLAISIO COMPUTERS S.A.

Introduction

We have reviewed the accompanying interim condensed separate and consolidated statement of financial position of "PLAISIO COMPUTERS S.A." as at 30 June 2021 and the related condensed separate and consolidated statements of comprehensive income, changes in equity and cash flows for the six-month period then ended, as well as the selected explanatory notes that comprise the interim condensed financial information, which is an integral part of the six-month financial report as required by the Law 3556/2007.

Management is responsible for the preparation and presentation of this interim condensed financial information in accordance with the International Financial Reporting Standards as adopted by the European Union and applied to Interim Financial Reporting (International Accounting Standard "IAS 34"). Our responsibility is to express a conclusion on this interim condensed financial information based on our review.

Scope of Review

We conducted our review in accordance with International Standard on Review Engagements 2410, "Review of Interim Financial Information Performed by the Independent Auditor of the Entity". A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing, as incorporated into the Greek Legislation and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

Conclusion

Based on our review, nothing has come to our attention that causes us to believe that the accompanying interim condensed financial information is not prepared, in all material respects, in accordance with IAS 34.

Report on other legal and regulatory requirements

Our review has not revealed any material inconsistency or misstatement in the statements of the members of the Board of Directors and the information of the six-month Board of Directors Report, as defined in articles 5 and 5a of Law 3556/2007, in relation to the accompanying interim condensed financial information.

BDO Certified Public Accountant S.A. 449 Mesogion Av, Athens- Ag. Paraskevi, Greece Reg. SOEL: 173

Ag. Paraskevi, September 21th, 2021 The Certified Public Accountant

Olympia G. Barzou Reg. SOEL: 21371

CHAPTER 4. INTERIM CONDENSED FINANCIAL STATEMENTS FOR THE PERIOD 01.01 – 30.06.2021

Table of Contents

Statement of Comprehensive Income for the period 01.01.21-30.06.21

Statement of Financial Position on 30th June 2021

Statement of Changes in Equity for the period 01.01.21-30.06.21

Statement of Cash Flow for the period 01.01.21-30.06.21

Notes to the Financial Statements

Comprehensive Income Statement 01.01-30.06.2021

(Figures in thousand €)

THE GROUP THE COMPANY
01.01- 30.06.21 01.01- 30.06.20 01.01-30.06.21 01.01-30.06.20
Note
Revenue 5 199.219 148.566 195.068 144.765
Cost of Sales (165.269) (120.125) (162.548) (117.379)
Gross Profit 33.950 28.440 32.520 27.386
Other operating income 219 250 218 238
Distribution expenses (25.761) (22.434) (24.987) (21.724)
Administrative expenses (4.947) (4.676) (4.716) (4.470)
Other operating (expenses)/income (422) (30) (422) (30)
ΕΒΙΤ 3.039 1.550 2.613 1.401
Finance Income 135 191 292 229
Finance Expense (1.255) (1.240) (1.203) (1.185)
Share of profit of Associates (7) (0) - -
Profit before tax 1.912 501 1.702 445
Income tax expense 24 (486) (171) (487) (173)
Profit after tax 1.426 330 1.215 272
Attributable to:
Equity holders of the parent 1.426 330 1.215 272
Non-controlling interests 0 0 - -
Other Comprehensive Income:
Recognition of re-measurement gain/loss 19 0 0 0 0
Deferred Tax (40) 0 (40) 0
Total Comprehensive Income 1.386 330 1.175 272
Attributable to:
Equity holders of the parent 1.386 330 1.175 272
Non-controlling interests 0 0 - -
Profit per share attributable to the shareholders
of the parent (expressed in €/share):
Basic earnings per share 27 0,0646 0,0150 0,0550 0,0123
Diluted earnings per share 27 0,0646 0,0150 0,0550 0,0123
EBITDA 6.634 5.343 6.110 5.098

The notes on the accounts are an integral part of the financial statements.

Statement of Financial Position

(Figures in thousand €) THE GROUP THE COMPANY
Assets Note 30.06.2021 31.12.2020 30.06.2021 31.12.2020
Tangible assets 6 33.967 35.016 33.903 34.947
Right-of-use assets 7 29.869 34.199 27.462 31.689
Intangible assets 8 2.128 2.081 2.127 2.079
Advance Payments for Fixed Assets 0 0 0 0
Investments in subsidiaries 9 0 0 4.072 4.072
Investments in associates 9 1.067 1.076 225 225
Other investments 10 34 34 34 34
Deferred tax asset 18 3.865 3.457 3.838 3.431
Other non-current assets 11 592 629 592 629
Non-Current assets 71.521 76.491 72.253 77.107
Inventories 12 69.531 61.284 68.124 59.852
Trade receivables 13 28.023 27.262 27.973 27.287
Other receivables 14 8.053 5.267 8.134 5.165
Cash and cash equivalents 15 39.212 58.469 37.909 57.114
Current assets 144.818 152.282 142.141 149.418
Total Assets
Shareholders' Equity and Liabilities
216.339 228.773 214.394 226.525
Share capital 16 7.285 7.285 7.285 7.285
Share Premium 16 844 844 844 844
Other Reserves 24.561 24.447 24.102 24.142
Retained earnings 63.305 63.137 64.814 64.703
Shareholders' Equity 95.995 95.713 97.045 96.974
Long term borrowings 17 12.640 15.360 12.640 15.360
Lease liabilities 23 30.203 32.207 27.822 29.749
Employee benefits 19 2.832 2.839 2.832 2.839
Provisions 20 0 0 0 0
Non-current contract liabilities 2.233 2.416 2.233 2.416
Deferred Income 21 2.212 2.242 2.212 2.242
Non-current Liabilities 50.119 55.064 47.739 52.606
Trade payables 22 32.584 40.112 32.342 39.625
Tax liabilities 7.229 8.899 7.066 8.621
Short term borrowing 17 4.740 3.540 4.740 3.540
Lease liabilities 23 4.075 4.419 3.921 4.265
Provisions 20 800 800 800 800
Current contract liabilities 22 4.485 4.807 4.475 4.686
Other current liabilities 22 16.312 15.419 16.266 15.408
Current Liabilities 70.225 77.996 69.610 76.945
Total Shareholders' Equity and Liabilities 216.339 228.773 214.394 226.525

The notes on the accounts are an integral part of the interim financial statements.

Statement of Changes in Net Equity

(Figures in thousand €) Share Share Other Reserves and
THE GROUP Capital Premium Retained Earnings Own Shares Total
Equity at the beginning of the period
(01.01.2020) 7.285 844 85.270 0 93.399
Total Comprehensive Income after Taxes 0 0 330 0 330
Increase of Capital 0 0 0 0 0
Return of Share Capital 0 0 0 0 0
Purchase of Own Shares 0 0 0 0 0
Distributed Dividend 0 0 (442) 0 (442)
Equity at the end of the period (30.06.2020) 7.285 844 85.158 0 93.287
Equity at the beginning of the period 7.285 844 87.584 0 95.713
(01.01.2021)
Total Comprehensive Income after Taxes 0 0 1.386 0 1.386
Increase of Capital 0 0 0 0 0
Return of Share Capital 0 0 0 0 0
Purchase of Own Shares 0 0 0 0 0
Distributed Dividend 0 0 (1.104) 0 (1.104)
Equity at the end of the period (30.06.2021) 7.285 844 87.866 0 95.995
Share Share Other Reserves and
THE COMPANY Capital Premium Retained Earnings Own Shares Total
Equity at the beginning of the period
(01.01.2020) 7.285 844 86.738 0 94.868
Total Comprehensive Income after Taxes 0 0 272 0 272
Increase of Share Capital 0 0 0 0 0
Return of Capital 0 0 0 0 0
Purchase of Own Shares 0 0 0 0 0
Distributed Dividend 0 0 (442) 0 (442)
Equity at the end of the period (30.06.2020) 7.285 844 86.569 0 94.698
Equity at the beginning of the period
(01.01.2021) 7.285 844 88.845 0 96.974
Total Comprehensive Income after Taxes 0 0 1.175 0 1.175
Increase of Share Capital 0 0 0 0 0
Return of Capital 0 0 0 0 0
Purchase of Own Shares 0 0 0 0 0
Distributed Dividend 0 0 (1.104) 0 (1.104)
Equity at the end of the period (30.06.2021) 7.285 844 88.916 0 97.045

The notes on the accounts are an integral part of the interim financial statements.

Cash Flow Statement

(Figures in thousand €) THE GROUP THE COMPANY
01.01- 30.06.2021 01.01- 30.06.2020 01.01- 30.06.2021 01.01- 30.06.2020
Operating Activities
Profit before tax 1.912 501 1.702 445
Adjustments for:
Depreciation / amortization 3.626 3.823 3.528 3.728
Amortization of subsidies (30) (30) (30) (30)
Provisions (7) 35 (7) 35
Foreign Exchange differences
Results (income, expenses, profit and loss) from
(123) 0 (123) 0
investing activities 7 0 0 0
Interest expenses and related costs 1.120 1.049 911 956
Plus/less adjustments for changes in working capital
or related to operating activities
Decrease / (increase) in inventories (8.246) (784) (8.272) (1.101)
Decrease / (increase) in receivables (3.575) 2.216 (3.529) 2.116
(Decrease) / increase in liabilities (7.058) (4.914) (6.736) (4.666)
Less:
Interest expenses and related expenses paid (770) (663) (743) (609)
Income tax paid (2.604) (143) (2.489) (81)
Total inflows / (outflows) from operating activities
(a)
(15.749) 1.089 (15.789) 792
Investing Activities
Acquisition of subsidiaries, affiliated companies, joint
ventures and other investments
(Increase)/ Decrease of Share Capital of Subsidiaries,
0 0 0 0
Affiliated Companies, Joint Ventures &f Other
Investments
0 0 0 0
Purchase of property, plant, equipment and
intangible assets
(521) (449) (512) (441)
Received interest 171 191 171 191
Received dividends 0 0 0 0
Total inflows / (outflows) from investing activities
(b)
(349) (258) (341) (250)
Financing Activities
Proceeds from share capital increase 0 0 0 0
Decrease from return of share capital 0 0 0 0
Proceeds from issued borrowings 0 9.000 0 9.000
Acquisition of own shares 0 0 0 0
Repayments of borrowings (1.520) (4.020) (1.520) (4.020)
Lease repayments (535) (1.927) (451) (1.854)
Dividends paid (1.104) 0 (1.104) 0
Total inflows / (outflows) from financing activities (c) (3.158) 3.053 (3.074) 3.126
Net increase / (decrease) in cash and cash
equivalents for the period (a) + (b) + (c)
(19.257) 3.884 (19.205) 3.667
Cash and cash equivalents at the beginning of the
period
58.469 39.190 57.114 38.728
Cash and cash equivalents at the end of the period 39.212 43.074 37.909 42.395

The notes on the accounts are an integral part of the interim financial statements.

1. General Information

These financial statements include the interim condensed financial statements of the company Plaisio Computers S.A. (the "Company") and the consolidated interim condensed financial statements of the Company and its subsidiary (together "the Group"). The names of the subsidiary and affiliates are presented in note 9.

The Company, mainly, assembles and trades PCs, Telecommunication and Office Equipment. Also, since the end of June 2019 the Group has started the trade of small and major domestic appliances and cooling & heating appliances.

The Group has presence in Greece and Bulgaria and PLAISIO COMPUTERS S.A. is listed in the Athens Stock Exchange.

The Board of Directors of PLAISIO COMPUTERS S.A. approved the financial statements for the six month period ending on June 30th 2021 on the 21st of September 2021.

2. Basis of Preparation of Financial Statements and Accounting Principles

2.1 Basis of Preparation of Financial Statements

The interim financial statements of the Company and the Group dated June 30th 2021 refer to period from January 1st 2021 to June 30th 2021. They have been compiled based on I.A.S 34 "Interim Financial Information" and have to be examined in comparison to the annual financial statements of December 31st 2020 which are available on the company web site www.plaisio.gr. The comparable data, wherever it has deemed necessary were adjusted according to the changes the Group has made in the presentation of the financial statements.

The accounting principles that have been used in the preparation and presentation of the current financial statements are in accordance with those used for the preparation of the Company and Group financial statements as of December 31st , 2020 and the new IFRSs mandatory applied from 1st January 2021. The interim consolidated financial statements have been compiled based on the historical cost principle.

The preparation of the Financial Statements, in conformity with IFRS, requires the use of certain estimates and assumptions which affect the balances of the assets and liabilities, the contingencies disclosure as at the balance sheet date of the financial statements and the amounts of income and expense relating to the reporting year. These estimates are based on the best of the knowledge of the Company's and Group's management in relation to the current conditions and actions. Any differences between amounts in the primary financial statements and similar amounts detailed in the explanatory notes are due to rounding of figures.

2.2 Standards and Interpretations effective for the current financial year

1. New and amended standards approved by the E.U. and adopted in the interim financial statements

IFRS Effective Date
IBOR reform and its effects on financial report – phase 2 1 January 2021

The amendments above are either not significant or not relevant to the operations of the Company and the Group.

In addition to the above pronouncements, the IFRS Interpretations Committee has issued a number of agenda decisions which set out the Interpretations Committee's rationale on how the requirements of applicable IFRSs should be applied. Since 30 June 2020, agenda decisions have been finalised on the following topics:

IFRS Issue
IAS 1 Presentation of Financial Supply Chain Financing Arrangements – Reverse Factoring
Statements
IAS 38 Intangible Assets Configuration or Customisation Costs in a Cloud Computing Arrangement
IFRS 9 Financial Instruments Hedging Variability in Cash Flows due to Real Interest Rates
IAS 19 Employee Benefits Attributing Benefit to Periods of Service
IAS 10 Events after the Reporting Period Preparation of Financial Statements when an Entity is No Longer a Going
Concern
IAS 2 Inventories Costs Necessary to Sell Inventories

IAS 19 Attributing Benefit to Periods of Service

The IFRS Interpretations Committee (IFRS IC) has issued, in May 2021, a tentative decision "Attributing Benefit to Periods of Service (IAS 19 Employee Benefits)" where additional explanatory application guidance is provided on the method used to attribute employee benefits on specific defined benefit schemes with similar characteristics of the scheme contemplated in article 8 of legislation Ν.3198/1955 which refers to staff retirement indemnity.

This explanatory information differentiates the way in which the basic principles and regulations of IAS 19 have been applied in Greece in the previous years, and therefore, according to what is defined in the "IASB Due Process Handbook (par 8.6)", entities that prepare their financial statements in accordance with IFRS are required to amend their Accounting Policy accordingly. Based on the above, the aforementioned final decision of the Committee's agenda will be treated as a Change in Accounting Policy. The aforementioned decision will be implemented in accordance with IAS 8. The Group is currently attributing retirement benefit over the period from the date of employment recruitment to the year in which additional service does not create additional benefit. The Group is in the process of assessing the effect of this IFRIC AD with the completion date to be determined by the end of the year in order to reflect the impact and retrospectively amend its financial statements to apply the IFRIC AD before 31 December 2021 reporting.

2. New standards, amendments to standards and interpretations issued not yet effective

IFRS Adoption date
IFRS 16 Leases: Covid-19-Related Rent Concessions beyond 30 June 2021 1 April 2021
Annual Improvements to IFRSs - 2018-2020 cycle 1 January 2022
IFRS Adoption date
IAS 16 Property, Plant and Equipment (Amendment – Proceeds before
Intended Use) 1 January 2022
IAS 37 Provisions, Contingent Liabilities and Contingent Assets (Amendment
– Onerous Contracts – Cost of Fulfilling a Contract) 1 January 2022
IFRS 3 Business Combinations (Amendment – Reference to the Conceptual
Framework) 1 January 2022
IFRS 17 Insurance Contracts 1 January 2023
IAS 1 Presentation of Financial Statements and IAS 8 Accounting Policies,
Changes in Accounting Estimates and Errors (Amendment – Classification of 1 January 2023
Liabilities as Current or Non-current)
IAS 1 Presentation of Financial Statements and IFRS Practice Statement 2
(Amendment – Disclosure of Accounting Policies) 1 January 2023
IAS 8 Accounting policies, Changes in Accounting Estimates and Errors
(Amendment - Definition of Accounting Estimates) 1 January 2023
IAS 12 Income Taxes (Amendment - Deferred Tax related to Assets and
Liabilities arising from a Single Transaction) 1 January 2023

The Company and the Group does not believe that the amendments to standards, which are mandatory in later periods, will have a material impact on the financial statements once adopted.

3. Risk management policies

3.1. Factors of financial risk

The Group is exposed to a variety of financial risks: market risk (including foreign exchange risk, interest rate risk and price risk), credit risk and liquidity risk. The Group's overall risk management program focuses on the unpredictability of financial markets and seeks to minimize potential adverse effects on the Group's financial performance. The main risks are the following:

i) Foreign exchange risk

The foreign exchange risk is the risk of volatility of the value of financial assets and liabilities due to changes of exchange rates. The majority of the Group's transactions and balances are in Euro, but at the same time, the Group has deposits in foreign currency. Furthermore, there are no loan liabilities in a currency other than the Euro. The Group in certain cases, outweighs the foreign exchange risk, by conducting derivative contracts, without proceeding with hedge accounting for that matter.

The Management of the Group observes at all times the foreign currency risks that may arise and evaluates the need for relevant measures. Due to the fact that the purchase invoicing from many suppliers is expressed in US dollar terms, hedging is usual, which results in variations in the financial periods at the exchange rate results. The Group holds deposits of 2,3 million dollars. The activity of the Group in Bulgaria is not considered to affect currency risk, as the exchange rate of the Bulgarian currency to the Euro is fixed.

ii) Cash flow and fair value interest rate risk

The Group analyses its interest rate exposure on a dynamic basis. Various scenarios are simulated taking into consideration refinancing, renewal of existing positions, alternative financing and hedging. Based on these scenarios, the Group calculates the impact on profit and loss of a defined interest rate shift.

The policy of the Company is to keep loans at a low level, assuring at the same time that there is a financing capability from the banks that Plaisio cooperates with that satisfies without a problem the planned development of the Group.

The total bond loans of the Company and of the Group, on June 30th 2021, were 17.380 th. €, of which the longterm loans were 12.640 th € (15.360 th. € on 31.12.2020), and the short term bond loan were 4.740 th. € (3.540 th. € on 31.12.2020). From the total bond loans, the 8.980 th. Euro refers to common bond loans from NBG, while the 8.400 th. Euro refers to common bond loans with floating interest rate from Eurobank SA.. The short-term bank loans are null both on 30.06.2021 and 31.12.2020.

The following table presents the sensitivity analysis of the results of the period as well as the net equity to a change of the interest rate of +1% or -1%. The relevant influence is presented as follows:

Α) Interest Rate increase by 1%:

The results of the period as well as the Net Equity of the Group and of the Company, in this case, would decrease by 174 th. € and 139 th. € on 01.01-30.06.2021 and 01.01-30.06.2020 respectively.

B) Interest Rate decrease by 1%:

The results of the period as well as the Net Equity of the Group and of the Company, in this case, would increase by 174 th. € and 139 th. € on 01.01-30.06.2021 and 01.01-30.06.2020 respectively.

The level of the interest rates remains in a satisfying level due to the capital structure of the Group and the stable timely repayments of any kind of financial liabilities and the co-operation relationships the Group retains with

the banks. As a consequence, it is noted the wide liquidity of the Group and the fact that the cash and cash equivalents exceed the Group's total short-term and long-term borrowings in the last years as well as on 30.06.2021.

iii) Credit risk

Risk management is done at Group level. Retail sales are made in cash or by credit card, while regarding wholesale sales the Group, based on its internal operating principles, grants credit, examining the creditworthiness of customers on a case-by-case basis. In addition, according to the Group's fixed policy, most of the receivables are insured.

On June 30th 2021 the total balance of customers and other trade receivables (not including the subsidiary) for the Group and the Company, was 31.101 th. € and 30.633 th. € while the provision for doubtful receivables was 3.078 th. € and 2.978 th. €. On 31.12.2020 the total balance of customers and other trade receivables, for the Group and the Company, was 29.944 th. € and 29.421 th. €, while the provision for doubtful receivables came up to 2.681 th. € and 2.583 th. € for the Group and the Company respectively. Therefore, the percentage of provisions in terms of receivables increased for the Group to 9,9% at the end of the first semester of 2021, compared to 9,0% at the end of the previous year. The relevant figures for the Company amounted to 9,7% and 8,8% on 30.06.2021 and 31.12.2020 respectively.

The trade receivables increased by 4% compared with the balances on 31.12.2020. This only 4% increase is attributed to the increase in sales (34%). In any case, the Management closely monitors the maturity of the balances of the customers and, as a result, about 95% of them are categorized in 0 - 90 days. Especially, a relatively limited percentage of customers who had presented payment checks, made use of the benefit of the 75-day extension provided by the State. After the expiration of the deadline for suspension of checks, no insolvency was observed.

A very small percentage of the checks, regarding specific business customers in sectors which adversely affected by pandemic are still extended and remains insured. As for the checks that did not use the benefit of the extension, no insolvency was observed. In any case, the insurance of balances, the small and steady increase in provision for bad debt as a percentage to receivables in addition to the conservative policy regarding the provision for impairment, lead to the estimation that this particular risk is controlled and any negative consequences in the future are probably limited.

iv) Inventory - Suppliers Risk

The Group takes all the necessary measures (insurance, safekeeping) so as to minimize the risk and contingent damages due to physical disasters, thefts etc. Furthermore, since the Group takes activity in a sector of high technology, where the risk of technical devaluation is significant, the Management reviews the net realizable value and forms the appropriate provisions so that their value in the financial statements coincides with the real one.

On 30.06.2021, the net inventory was 69.531 th. €, as from the 79.438 th. € (gross amount) a provision for devaluation amounting to 9.908 th. € was taken by the Group. The respective amounts for the Company were 68.124 th. €, 77.985 th. € and 9.861 th. €. On 30.06.2021, the inventory increased only by 14% compared to the increase in sales (34%) of the Group. Also, the increase in the inventory in a lower part is attributed to the program "Digital Access". The Group, in order to satisfy the demand for PCs of this program, suppled enough inventory. As a result, the inventory turnover remained unchanged at 77 days, while the increased provision for devaluation (12,5% compared to 12,0% on 31.12.2020) offers higher security. The Company estimates that due to the successful operation of the systems of the supply chain (logistics) of its operations it has not stored products beyond the usual levels and therefore does not run an increased risk of devaluation. Finally, based on the data available up to the date of conduction of the interim financial report, no significant change in the amount of stocks is expected.

Regarding the risk of suppliers, the Company considers it limited, as there is no significant dependence on one or some of them. Two suppliers contribute more than 10% of the total value of the Group's supplies, with a percentage that only slightly (12,7% and 11,7%) exceed the relevant limit. With these suppliers, the Group maintains a long-term and undisturbed professional relationship, without any conflict of interest. At the same time, as for the advances given by the Company, these are distributed to the suppliers in a relative proportion to the value of the products they provide. The above signals the consistent policy of the Management to ensure that there is no dependence on individual suppliers and, to minimize the relative risk in case of termination of cooperation or possible bankruptcy of a supplier, a policy which is not expected to be changed during the second half. of the year 2021.

v) Turnover Seasonality

Sales' seasonality demands rational working capital management and smooth inventory inflows in order to avoid any shortage and as a consequence the operating risk remains in low levels. The Group's sales are characterized by limited seasonality as 55% of the total sales are realized in the second half of the year. In the second semester of the year, the sales from the beginning of the school and academic year, the sales from Black Friday and the sales from the Christmas period are realized. Despite the seasonality, the Management estimates the referred risk as limited due to the wide liquidity and the ability to act immediately in cases of necessity of increased inventory and due to the retention of sufficient inventory for the needs of the Group.

vi) Intensity of Competition

The Company operates in an intensively competitive industry, as there are many retailers which operate in the consumer electronics sector, resulting in lower gross profit margins. However, due to the multi-product approach and the differentiation it offers to the Group (e.g., office products), it is not an easy exercise to identify an identical business model in the market. In the last years, we observe high level of concentration in a low number of companies which have sufficient capital in order to cope with adverse evolutions in the Market. This happens, mainly, due to the intense competition, the suppressed profit margins and given the need for increased working capital lead to increased finance cost. In such an environment, the Group achieves over time one of the best performance margins, and consistently shows profitability, facts that prove the success in the referred Market.

However, the competition may change in the future with the entrance of new competitors in the market or with the amendments of the strategy of the already existed competitors. Also, in periods when the consuming spend is stable or decreasing, the competition can lead to redistribution of the market shares. The intensity of competition may negatively affect the turnover and the profitability of the Group.

vii) Liquidity Risk

The financial liabilities of the Group and for the Company are analyzed as follows:

THE GROUP 30.06.2021 up to12 months from 1 up to 2 years from 2 up to 5
years
from 5 years on
Suppliers & Other Short-term Liabilities 56.124 0 0 0
Loans & Interest 5.075 2.112 11.157 0
Total 61.199 2.112 11.157 0
THE GROUP 31.12.2020 up to12 months from 1 up to 2 years from 2 up to 5
years
from 5 years on
Suppliers & Other Short-term Liabilities 64.430 0 0 0

The Group considers its liabilities to suppliers as short-term (12 months). In the same category it includes other short-term liabilities and tax liabilities. The suppliers and other short term liabilities decreased by approximately 10 m. € despite the significant increase in turnover.

Loans & Interest 3.926 3.943 10.892 1.315 Total 67.580 3.943 10.892 1.315

3.2. Capital risk management

The Group and Company objectives when managing capital are to safeguard the ability to continue as a going concern in order to maintain an optimal capital structure and ultimately to provide returns for shareholders and benefits for other stakeholders.

In order to maintain or adjust the capital structure, the Company may adjust the amount of dividends paid to shareholders, return capital to shareholders, issue new shares, sell assets or receive a bank loan.

In the following tables the net borrowing of the Company and the Group, that as mentioned before is negative (the cash exceeds the loan liabilities), is presented.

THE GROUP 30.06.2021 31.12.2020
Total loans 17.380 18.900
Minus: Cash & cash equivalents (39.212) (58.469)
Net Borrowing (21.832) (39.569)
THE COMPANY 30.06.2021 31.12.2020
Total loans 17.380 18.900
Minus: Cash & cash equivalents (37.909) (57.114)
Net Borrowing (20.529) (38.214)

Apart from the aforementioned, there are no other risks that need to be quoted in this Interim Financial Report.

4. Important accounting estimates and judgments of the Management

The Group makes estimates and assumptions based on historical data and expectations concerning the development of future events. In the Financial Statements of June 30th 2021, the basic accounting principles and

estimates of the Financial Position of December 31st 2020 have been preserved along with the mandatory adoption of the new standards and interpretations, for the periods after the January 1st 2021.

5. Segment information

(Figures in thousand €)

The Management of the Group recognizes four main segments of its operation (the product categories): a) office products, b) PCs & Digital Technology products and c) telecommunications products and d) domestic appliances, as its main operation segments. The before mentioned operation segments are those used by the management team for internal purposes and the strategic decisions are thus made, taking into consideration the results, efficiency and productivity of each one separately.

The segment results for the period ended June 30th 2021 were as follows:

Segment reporting
01.01.2021 – 30.06.2021 Office
equipment
Computer and
digital
equipment
Telecom
equipment
Domestic
Appliances
Other Total
Total Gross Sales per segment 46.854 97.442 37.998 17.768 1.319 201.380
Inter-company Sales (412) (1.521) (227) (2) 0 (2.162)
Net Sales 46.442 95.921 37.771 17.766 1.319 199.219
EBITDA 2.219 2.853 947 398 218 6.634
EBITDA margin % 4,78% 2,97% 2,51% 2,24% 16,53% 3,33%
Operating profit / EBIT 1.016 1.307 434 182 100 3.039
Finance cost (1.127)
Income tax expense (486)
Earnings After Taxes 1.426

The segment results for the period ended June 30th 2020 were as follows:

Segment reporting

01.01.2020– 30.06.2020 Office
equipment
Computer and
digital
equipment
Telecom
equipment
Domestic
Appliances
Other Total
Total Gross Sales per segment 46.581 68.052 27.138 7.133 1.218 150.120
Inter-company Sales (572) (870) (110) (3) 0 (1.555)
Net Sales 46.009 67.181 27.028 7.130 1.218 148.566
EBITDA 2.219 1.908 801 202 212 5.343
EBITDA margin % 4,82% 2,84% 2,96% 2,83% 17,42% 3,60%
Operating profit / EBIT 644 554 232 59 62 1.550
Finance cost (1.049)
Income tax expense (171)
Earnings After Taxes 330
Office
equipment
Computer and
digital
equipment
Telecom
equipment
Domestic
Appliances
Other Total
Change in Net Sales 0,9% 42,8% 39,7% 149,2% 8,3% 34,1%
Change in EBITDA 0,0% 49,5% 18,1% 97,3% 2,7% 24,2%
EBITDA margin % 0,0 0,1 -0,5 -0,6 -0,9 -0,3
Operating profit / Loss (EBIT) 57,9% 136,0% 86,5% 211,5% 62,2% 96,0%
Finance cost 7,4%
Income tax expense 184,5%
Earnings After Taxes 331,8%

The Sales of Group on the 6M period of 2021 came up to 199.219 th. € compared to 148.566 th. € in the relevant period in 2020, having significantly increased by 34,1% mainly due to the increased sales of Computers and Digital Equipment, supported, also, by the program "Digital Access", and the increased sales in Domestic Appliances which recorded a significant increase compared to the relative period of 2020. More specifically sales of personal computers and digital products came up to 95.921 th. € having increased by 42,8% in comparison to the relevant period in 2020. The increase in the sales of the segment led to an increase in the segment's participation to 48,1% from 45,2% in 6M 2020 in the total sales of the Group. The sales under the program "Digital Access" were 13,2 m. € and they are included in the Computer and Digital Equipment segment. Telephone products sales came up to 37.771 th. € and the percentage increase was 39,7% compared to the respective period in 2020. This operating segment reflects 19,0% of the total turnover of the Group (6M 2020: 18,2%). The sales of Office Products slightly increased to 46.442 th. €, reflecting less than a quarter (23,3%) of the Group's total revenue (6M 2020: 31,0%).

The sales of the "Domestic Appliances" category came up to 17.766 th. Euro and recorded a spectacular increase of 149,2% compared to the respective period last year. Finally, the sales services increased to 1.319 th. € from 1.218 th. € the respective period in 2020.

In terms of EBITDA, the segment with the highest sales, that of PCs and Digital Equipment, contributes by 43% to the total EBITDA. In contrast, the Office Products category maintains the highest EBITDA margin which is close to 5% compared with the other product categories with less than 3%.

Office PCs & Digital Domestic
30.06.2021 Products Technology Telecommunications Appliances Other Total
Assets of the Sector 22.742 46.971 18.496 8.700 646 97.554
Non distributed Assets - - - - - 118.786
Consolidated Assets 216.339
Office PCs & Digital Domestic
30.06.2021 Products Technology Telecommunications Appliances / Other Other Total
Liabilities of the Sector 7.596 15.689 6.178 2.906 216 32.584
Non distributed Liabilities - - - - - 183.756
Consolidated Liabilities 216.339
Office PCs & Digital Domestic
31.12.2020 Products Technology Telecommunications Appliances / Other Other Total
Assets of the Sector 25.630 40.172 16.632 5.525 588 88.546
Non distributed Assets - - - - - 140.227
Consolidated Assets 228.773
Office PCs & Digital Domestic
31.12.2020 Products Technology Telecommunications Appliances / Other Other Total
Liabilities of the Sector 11.611 18.198 7.534 2.503 266 40.112
Non distributed Liabilities - - - - - 188.662
Consolidated Liabilities 228.773

The assets and liabilities per segment for 30.06.2021 and 31.12.2020 are analyzed as follows:

The home-country of the Company – which is also the main operating country – is Greece. The Group is activated mainly in Greece, while it is also activated in Bulgaria.

Sales Total Assets
01.01-30.06.2021 30.06.2021
Greece 195.068 214.394
Bulgaria 6.313 5.661
Consolidated Sales / Assets after the necessary omissions 199.219 216.339
Sales Total Assets
01.01 – 30.06.2020 31.12.2020
Greece 144.765 226.525
Bulgaria 5.355 5.908
Consolidated Sales / Assets after the necessary omissions 148.566 228.773

Sales refer to the country where the customers are located. Assets refer to their geographical location. It is noted that sales in Bulgaria (before deletions) for the first half of 2021, compared to the same period last year, increased by 17,9%.

6. Tangible Assets

(Figures in thousand €)

The tangible assets of the Group and the Company are analyzed as follows:

THE GROUP
Land & Furniture & Other Under construction
Tangible Assets Buildings Equipment Assets Total
Acquisition Value
Book Value on January 1st 2021 59.087 15.339 0 74.425
Additions 110 222 0 333
Disposals 0 (2) 0 (2)
Transfers 0 0 0 0
Book value on June 30th 2021 59.197 15.559 0 74.756
Depreciation
Book Value on January 1st 2021 (26.356) (13.053) 0 (39.409)
Additions (905) (476) 0 (1.381)
Disposals 0 2 0 2
Transfers 0 0 0 0
Book value on June 30th 2021 (27.261) (13.527) 0 (40.789)
Net Book value on June 30th 2021 31.936 2.031 0 33.967
Net Book value on December 31st 2020 32.731 2.285 0 35.016
Tangible Assets Land &
Buildings
Furniture & Other
Equipment
Under construction
Assets
Total
Acquisition Value
Book Value on January 1st 2020 58.350 15.028 0 73.378
Additions 44 162 53 258
Disposals 0 0 0 0
Transfers 0 53 (53) 0
Book value on June 30th 2020 58.393 15.243 0 73.636
Depreciation
Book Value on January 1st 2020 (24.562) (12.326) 0 (36.888)
Additions (896) (444) 0 (1.340)
Disposals 0 0 0 0
Transfers 0 0 0 0
Book value on June 30th 2020 (25.457) (12.770) 0 (38.227)
Net Book value on June 30th 2020 32.936 2.473 0 35.409
Net Book value on December 31st 2019 33.788 2.702 0 36.491

THE COMPANY

Tangible Assets Land & Furniture & Other Under construction Total
Buildings Equipment Assets
Acquisition Value
Book Value on January 1st 2021 59.087 15.012 0 74.099
Additions 110 214 0 324
Disposals 0 (2) 0 (2)
Transfers 0 0 0 0
Book value on June 30th 2021 59.197 15.224 0 74.421
Depreciation
Book Value on January 1st 2021 (26.356) (12.796) 0 (39.152)
Additions (905) (462) 0 (1.368)
Disposals 0 2 0 2
Transfers 0 0 0 0
Book value on June 30th 2021 (27.261) (13.256) 0 (40.518)
Net Book value on June 30th 2021 31.936 1.968 0 33.903
Net Book value on December 31st 2020 32.731 2.216 0 34.947
THE COMPANY
Tangible Assets Land & Furniture & Other Under construction
Buildings Equipment Assets Total
Book Value on January 1st 2020 58.350 14.705 0 73.054
Additions 44 154 53 251
Disposals 0 0 0 0
Transfers 0 53 (53) 0
Book value on June 30th 2020 58.393 14.912 0 73.305
Depreciation
(24.562) (12.089) 0 (36.651)
(896) (431) 0 (1.326)
0 0 0 0
0 0 0 0
(25.457) (12.520) 0 (37.977)
32.936 2.392 0 35.329
33.788 2.615 0 36.404

There are no mortgages or collateral of the Group and the Company. The total acquisition of tangible assets of the Group and the Company for the 6M 2021 amounted to 333 th. € and 324 th. € respectively and to 258 th. € and 251 th. € for the same period in 2020.

7. Right-of-use Assets

(Figures in thousand €)

The right-of-use assets of the Group and the Company are analyzed below:

THE GROUP

Right-of-use Assets Buildings Means of Transport Total
Net Book Value on January 1st 2021 33.851 348 34.199
Additions 0 66 66
Disposals 0 0 0
Lease Modifications (2.292) 0 (2.292)
Depreciation (1.971) (132) (2.104)
Net Book value on June 30th 2021 29.588 281 29.869
Net Book value on December 31st 2020 33.851 348 34.199

THE GROUP

Right-of-use Assets Buildings Means of Transport Total
Net Book Value on January 1st 2020 34.487 582 35.069
Additions 0 8 8
Disposals 0 0 0
Lease Modifications 1.310 0 1.310
Depreciation (2.228) (134) (2.362)
Net Book value on June 30th 2020 33.570 457 34.026
Net Book value on December 31st 2019 34.487 582 35.069

THE COMPANY

Right-of-use Assets Buildings Means of Transport Total
Net Book Value on January 1st 2021 31.342 348 31.689
Additions 0 66 66
Disposals 0 0 0
Lease Modifications (2.274) 0 (2.274)
Depreciation (1.887) (132) (2.020)
Net Book value on June 30th 2021 27.181 281 27.462
Net Book value on December 31st 2020 31.342 348 31.689

THE COMPANY

Right-of-use Assets Buildings Means of Transport Total
Net Book Value on January 1st 2020 32.189 582 32.771
Additions 0 8 8
Disposals 0 0 0
Lease Modifications 1.110 0 1.110
Depreciation (2.146) (134) (2.280)
Net Book value on June 30th 2020 31.153 457 31.609
Net Book value on December 31st 2019 32.189 582 32.771

As part of the measures to support the Greek economy, the Company had the opportunity to pay reduced rents. The accounting for the reduction was done by the method of modification, i.e. its benefit, which is estimated at 2.071 th. € for the Group and 2.053 th. € for the Company is divided into the remaining years of the lease while the present value of the liability was recalculated using the updated interest rate as provided by the IFRS. The positive impact on the Group's results for the first half of 2021 from the above rent reductions, is estimated at about 233 th. Euro.

The Group has various lease contracts for stores, offices and warehouses. Lease contracts are usually concluded for a predetermined duration, while options for their extension or termination may have been provided. The duration of the lease is negotiable element and may have different terms and conditions from other contracts.

From 1 January 2019, leases are recognized as a right-of-use asset and a corresponding lease liability at the date at which the leased asset is available for use.

8. Intangible Assets

(Figures in thousand €)

The intangible assets for the Group and the Company are analyzed as follows:

THE GROUP

Intangible Assets Under Construction
Assets
Intangible Assets Total
Acquisition Value
Book Value on January 1st 2021 0 7.210 7.210
Additions 0 188 188
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2021 0 7.397 7.397
Depreciation
Book Value on January 1st 2021 0 (5.129) (5.129)
Additions 0 (141) (141)
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2021 0 (5.269) (5.269)
Net Book value on June 30th 2021 0 2.128 2.128
Net Book value on December 31st 2020 0 2.081 2.081

THE GROUP

Intangible Assets Under Construction
Assets
Intangible Assets Total
Book Value on January 1st 2020 0 6.831 6.831
Additions 0 190 190
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2020 0 7.021 7.021

Depreciation

Book Value on January 1st 2020 0 (4.871) (4.871)
Additions 0 (122) (122)
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2020 0 (4.992) (4.992)
Net Book value on June 30th 2020 0 2.029 2.029
Net Book value on December 31st 2019 0 1.960 1.960

THE COMPANY

Intangible Assets Under Construction
Assets
Intangible Assets Total
Acquisition Value
Book Value on January 1st 2021 0 7.176 7.176
Additions 0 188 188
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2021 0 7.364 7.364
Depreciation
Book Value on January 1st 2021 0 (5.096) (5.096)
Additions 0 (141) (141)
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2021 0 (5.237) (5.237)
Net Book value on June 30th 2021 0 2.127 2.127
Net Book value on December 31st 2020 0 2.079 2.079
THE COMPANY
Intangible Assets Under Construction Assets Intangible Assets Total
Acquisition Value
Book Value on January 1st 2020 0 6.797 6.797
Additions 0 190 190
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2020 0 6.988 6.988
Depreciation
Book Value on January 1st 2020 0 (4.838) (4.838)
Additions 0 (122) (122)
Disposals 0 0 0
Transfers 0 0 0
Book value on June 30th 2020 0 (4.960) (4.960)
Net Book value on June 30th 2020 0 2.028 2.028
Net Book value on December 31st 2019 0 1.959 1.959

Intangible assets include mainly software and licenses for software (SAP R3, BW, CRM, web marketing platform, etc.). The total acquisition of intangible assets were 188 th. € in the first half of 2021.

9. Group Structure

(Figures in thousand €)

The companies that are included in the financial statements are the following:

Company Activity Country % Percentage Connection Consolidation Method
Trade of PCs and Office
Plaisio Computers S.A. Products Greece Parent Parent -
Plaisio Computers JSC Trade of PCs and Office
Products Bulgaria 100% Direct Full Consolidation
Development and
Plaisio Estate S.A. Management of Real Greece 20% Direct Equity Method
Estate
Development and
Plaisio Estate JSC Management of Real Bulgaria 20% Direct Equity Method
Estate

Participation in subsidiaries is the participation of the parent company Plaisio Computers S.A. in the share capital of the fully consolidated Plaisio Computers JSC. The percentage of participation of the parent company is 100% and non-controlling interests do not arise.

In the Company's financial statements the investment in subsidiary is presented at cost. In the consolidated financial statements participation in subsidiaries is eliminated. The value of participation in subsidiaries on June 30th was:

INVESTEMENT OF PARENT COMPANY IN SUBSIDIARIES

30.06.2021 31.12.2020
Plaisio Computers JSC 4.072 4.072

The participation in affiliated companies for the Group and the Company on 30.06.2021 and on 31.12.2020 is analyzed as follows:

PARTICIPATION IN AFFILIATED COMPANIES THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Plaisio Estate S.A. 833 841 13 13
Plaisio Estate JSC 234 234 212 212
Total participation in affiliated companies 1.067 1.076 225 225

The participation in affiliated companies is presented at cost in the Company's financial statements.

Plaisio Estate JSC took the decision on 30.06.2021 to distribute to the Company 2 th. € as dividend for the corporate year 2020. The dividend paid on 21.07.2021. Plaisio Computers JSC took the decision on 30.06.2021 to distribute to the Company 154 th. € as dividend for the corporate year 2020. The dividend was paid on 21.07.2021.

The changes in the participations that are accounted for with the method of Net Equity concern the proportion to the results of the affiliates.

The changes in participations that are consolidated via net equity are analyzed as follows:

2021 2020
1st January 1.076 1.153
Capital Increase / (Decrease) 0 0
Percentage of results from participations accounted with the method of Net Equity (7) 0
Dividend from participations accounted with the method of Net Equity (2) (10)
30th June 1.067 1.143

10. Other long-term Investments

(Figures in thousand €)

Other investments consist of portfolio investments in companies not listed in organized stock markets. According to IAS 32 and IFRS 9, these investments are displayed in the financial statements at their cost of acquisition less any provision for devaluation.

Other long-term investments on 30.06.2021 and 31.12.2020 are analyzed as follows:

OTHER LONG-TERM INVESTMENTS THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
High-tech Park Acropolis Athens S.A. 454 454 454 454
High-tech Park Technopolis Thessalonica S.A. 30 30 30 30
Interaction Connect S.A. 14 14 14 14
Pancretan Cooperative Bank 10 10 10 10
Chania Bank 10 10 10 10
519 519 519 519
Devaluation High-tech Park Acropolis Athens S.A. (484) (484) (484) (484)
Total Other long-term investments 34 34 34 34

The participation of the company in the above companies on June 30th 2021 was:

Percentage of Country of
Participation Incorporation
High-tech Park Acropolis S.A. 3,46% Greece
High-tech Park Technopolis S.A. 2,21% Greece
Interaction Connect S.A. 14,30% Luxembourg
Pancretan Cooperative Bank 0,02% Greece
Chania Bank 0,02% Greece

11. Other non-current assets

(Figures in thousand €)

Other non-current assets include long-term guarantees that are going to be collected at least 12 months after the balance sheet date. The fair value of these assets does not significantly differ from the one presented to the financial report and it is under an annual revaluation. In particular, other non-current assets on June 30th 2021 are analyzed as follows:

OTHER NON-CURRENT ASSETS THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Long-term guarantees 592 629 592 629
Total 592 629 592 629

12. Inventories

(Figures in thousand €)

The Group and Company's inventories on 30.06.2021 and on 31.12.2020 are analyzed as follows:

INVENTORIES THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Inventories of merchandise 74.292 64.477 72.839 63.002
Inventories of finished products 754 590 754 590
Inventories of raw materials 12 15 12 15
Inventories of consumables 658 793 658 793
Down payments to vendors 3.722 3.747 3.722 3.747
79.438 69.622 77.985 68.147
Minus: Provision for devaluation (9.908) (8.338) (9.861) (8.295)
Net realizable value of inventories 69.531 61.284 68.124 59.852

The Group takes all the necessary measures (insurance, security) in order to minimize the risk and contingent damages from loss of inventory from natural disasters, thefts etc. The group operates in the technology area, where the risk of technological devaluation is significant; the management examines constantly the net realizable value of stock and forms all the necessary provisions so that their value in the financial statements matches their true value.

On 30.06.2021, the net inventory was 69.531 th. €, as from the 79.438 th. € (gross amount) a provision for devaluation amounting to 9.908 th. € was taken by the Group. The respective amounts for the Company were 68.124 th. €, 77.985 th. € and 9.861 th. €. On 30.06.2021, the inventory increased only by 14% compared to the increase in sales (34%) of the Group. Also, the increase in the inventory is attributed to the program "Digital Access", which led to the need for temporary storage of PCs so that they can be freely available to beneficiaries, and to the increased sales.

As a result, the inventory turnover remained unchanged at 77 days, while the increased provision for devaluation (12,5% compared to 12,0% on 31.12.2020) offers higher security. The Company estimates that due to the successful operation of the systems of the supply chain (logistics) of its operations it has not stored products beyond the usual levels and therefore does not run an increased risk of devaluation. Finally, based on the data available up to the date of conduction of the interim financial report, no significant change in the amount of stocks is expected.

13. Trade and other receivables

(Figures in thousand €)

The Group and Company's trade and other receivables on 30.06.2021 and on 31.12.2020 are analyzed as follows:

TRADE AND OTHER RECEIVABLES THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Receivables from customers 29.136 27.972 28.668 27.450
Cheques and bills receivables 1.965 1.972 1.965 1.972
Receivables prior to Impairments 31.101 29.944 30.633 29.421
Minus: Impairment (3.078) (2.681) (2.978) (2.583)
Net Receivables customers 28.023 27.262 27.654 26.838

Interim Financial Report for the period 01.01.21-30.06.21

Receivables from subsidiaries 0 0 319 449
Receivables from associates 0 0 0 0
Total trade and other receivables 28.023 27.262 27.973 27.287

There is no concentration of credit risk relative to customer claims, as they are divided into a large number of customers.

All the above receivables are short term and do not require discounting at the balance sheet date.

The changes in provisions of bad-debts are as follows:

THE GROUP THE COMPANY
2021 2020 2021 2020
Balance at 01/01 2.681 1.903 2.583 1.812
Net Change of the Period 396 318 395 305
Balance at the end of the period 30/06 3.078 2.221 2.978 2.118

The above-mentioned bad debt provision includes:

a) a strictly defined provision for all the customers that have been characterized as doubtful,

b) a specific provision for all the customers that have overdue balances based on the ageing of their balances,

c) a provision based on the increased level of risk because of the conditions of the economic environment. It is noted that this provision includes also non overdue receivables. For this provision the balances of all the customers have been taken into account, with the exception of the receivables from Plaisio Computers JSC, as it is considered that there is no risk of non-collection of these balances,

d) a provision for the balances from the Public Sector.

On 30.06.2021 the total balance of customers and other trade receivables for the Group and the Company, was 31.101 € and 30.633 th. €, while the provision for doubtful receivables was 3.078 th. € and 2.978 th. €, for the Group and the Company respectively. On 31.12.2020 the total balance of customers and other trade receivables, for the Group and the Company, was 29.944 th. € and 29.421 th. €, while the provision for doubtful receivables came up to 2.681 th. € and 2.583 th. € for the Group and the Company respectively.

14. Other receivables

(Figures in thousand €)

The other short-term receivables of the Group and of the Company on 30.06.2021 and on 31.12.2020 are analyzed as follows:

OTHER RECEIVABLES THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Income Tax Assets 171 2 171 2
Deferred expenses 835 1.347 822 1.335
Other short-term receivables 7.045 3.918 6.984 3.828
Receivables from Group companies 2 0 156 0
8.053 5.267 8.134 5.165

All the above receivables are short-term and there is no need to discount them at the date of the balance sheet. Other receivables refer to down payments, accommodation money to personnel, vendor's advance payments and precalculated purchase discounts. More specifically, the purchase discounts which is the highest category in the Other short-

Interim Financial Report for the period 01.01.21-30.06.21

term receivables, closes by the end of the year as such, the balances on 30/06 appear to be increased. The differences observed in the different corporate periods, smooth afterwards, and they do not influence the structure of the Balance Sheet of the Group. Part of the other short-term receivables is arranged by the end of the year.

15. Cash and cash equivalents

(Figures in thousand €)

Cash and Cash equivalents for the Group and the Company on 30.06.2021 and 31.12.2020 are analyzed as follows:

CASH AND CASH EQUIVALENTS THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Cash in hand 3.226 2.883 3.193 2.857
Cash at Banks 35.986 55.586 34.716 54.257
Short-term Bank deposits 0 0 0 0
Total 39.212 58.469 37.909 57.114

The composition of cash and cash equivalents per currency is the following (all amounts are in the € currency).

THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
35.969 55.295 35.596 54.914
Other Currencies 3.242 3.173 2.314 2.200
Total 39.212 58.469 37.909 57.114

The above mentioned amounts constitute the cash and cash equivalents and they are presented in the Cash flow statement.

On 30.06.2021, the cash and cash equivalents of the Group in Euro were the 91,7% compared to 94,6% at the end of 2020.

16. Share capital and share premium

(Figures in thousand €)

The share capital of the company is analyzed as follows:

Number of shares Par Value Share capital Share Premium Total
1st January 2021 22.075.665 0,33 7.285 844 8.129
30th June 2021 22.075.665 0,33 7.285 844 8.129

The share capital of the Company is fully repaid and divided into 22.075.665 common shares of nominal value thirty three eurocents (0,33) each.

The shares of the Company are traded at the Athens Stock Exchange.

17. Loans

(Figures in thousand €)

The borrowings of the Group and of the Company on 30.06.2021 and on 31.12.2020 are analyzed as follows:

LOANS THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Long Term Loans
Bond Loans 12.640 15.360 12.640 15.360
Total Long-Term Loans 12.640 15.360 12.640 15.360
Short Term Loans
Bank Loans 0 0 0 0
Bond Loans 4.740 3.540 4.740 3.540
Total Short-Term Loans 4.740 3.540 4.740 3.540
Total 17.380 18.900 17.380 18.900

The changes in the amounts of the Loans are analyzed as follows:

THE GROUP THE COMPANY
Balance on 01 January 2021 18.900 18.900
Cash Flows
Proceeds from issued borrowings 0 0
Re-payments of borrowings (1.520) (1.520)
Balance on 30 June 2021 17.380 17.380

The expiry dates of the total loans of the company are the following:

EXPIRATION DATES OF THE LOANS THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Between 1 and 2 years 1.840 3.640 1.840 3.640
Between 2 and 5 years 10.800 10.420 10.800 10.420
From 5 years on 0 1.300 0 1.300
Total 12.640 15.360 12.640 15.360

The bond loans decreased by, approximately, € 1,5 m. in relation to the end of the financial year of 2020 and refer to:

  • i. 5-year common Bond Loan, non-convertible to stocks of 2.400 th. € with a floating rate. The empowered for the bank payments and the representative of the Bond holders was appointed the bank Eurobank Ergasias S.A.. The amount of 2.160 th. € was contracted with Eurobank Ergasias S.A. and the remaining 240 th. € with Eurobank Private Bank Luxembourg S.A..
  • ii. 6-year common Bond Loan, non-convertible to stocks of 3.480 th. € with a floating rate. The empowered for the bank payments and the representative of the Bond holders was appointed the bank National Bank of Greece S.A.. The amount of 3.375 th. € was contracted with National Bank of Greece S.A. and the remaining 104 th. € with NBG Bank Malta LTD.
  • iii. 6-year common Bond Loan, non-convertible to stocks of 6.000 th. € with a floating rate. The empowered for the bank payments and the representative of the Bond holders was appointed the bank Eurobank Ergasias S.A.. The bond loan was contracted with Eurobank Ergasias S.A..

iv. 5-year common Bond Loan, non-convertible to stocks of 5.500 th. € with a floating rate. The empowered for the bank payments and the representative of the Bond holders was appointed the bank National Bank of Greece. The bond loan was contracted with NBG.

The level of interest rates is influenced by many factors which have been analysed in the section "Interest Risk". Taking into account the variance regarding the interest rate, the Management of the Group monitors the course of interest rates and assumes all the necessary actions to smooth any negative effects.

In every evaluation date, the Group and the Company have complied with all the covenants and the terms of the bank debt.

18. Deferred income tax

(Figures in thousand €)

The deferred income tax for the Group and the Company on 30.06.2021 and on 31.12.2020 is analyzed as follows:

THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Deferred tax liabilities 197 644 197 644
Deferred tax assets 4.061 4.101 4.035 4.076
3.865 3.457 3.838 3.431

The deferred tax liabilities and assets are netted when there is a legal right to net the current tax assets to the current tax liabilities and when they refer to the same tax authority.

The deferred tax liabilities and assets are presented net in the Statement of Financial Position of June 30th 2021 "Deferred Tax Assets", given the fact that the financial statements of the subsidiary Plaisio Computers JSC, even though they refer to the Bulgarian tax authority, present only deferred tax assets.

19. Provisions for pensions and similar commitments

(Figures in thousand €)

According to the labor legislation, employees are entitled of compensation in case they are dismissed or retired, the amount of which differs according to the wage, the years of experience and the way of their leave (dismissal or retirement). Employees that resign or are rationally dismissed are not entitled to any compensation. In Greece, employees that retire are entitled to 40% of such compensation according to the Law 2112/1920. Those schemes are not financed and are the part of specified compensation schemes according to IAS 19. The Group uses independent actuarial studies for estimating these personnel compensation according to IAS 19, at the end of each corporate year.

MAIN ACTUARIAL PRINCIPLES 31.12.2020 (it is in force
for 30.06.2021 as well)
Discount rate 0,40%
Rate of compensation increase 2,20%
THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Net Liability at beginning of the period 2.839 2.305 2.839 2.305
Net Expense (7) 534 (7) 534
Net Liability at the end of the period 2.832 2.839 2.832 2.839

The IFRS Interpretations Committee (IFRS IC) has issued, in May 2021, a tentative decision "Attributing Benefit to Periods of Service (IAS 19 Employee Benefits)" where additional explanatory application guidance is provided on the method used to attribute employee benefits on specific defined benefit schemes with similar characteristics of the scheme contemplated in article 8 of legislation Ν.3198/1955 which refers to staff retirement indemnity.

The aforementioned decision will be implemented in accordance with IAS 8. The Group is currently attributing retirement benefit over the period from the date of employment recruitment to the year in which additional service does not create additional benefit. The Group is in the process of assessing the effect of this IFRIC AD with the completion date to be determined by the end of the year in order to reflect the impact and retrospectively amend its financial statements to apply the IFRIC AD before 31 December 2021 reporting.

20. Provisions

(Figures in thousand €)

The balances of accounts of provisions for the Group and the Company on 30.06.2021 and on 31.12.2020 are analyzed respectively as follows:

PROVISIONS THE GROUP THE COMPANY
Note 30.06.2021 31.12.2020 30.06.2021 31.12.2020
Short-term provisions
Provision for computer guarantees (a) 800 800 800 800
Total short-term provisions 800 800 800 800

(a). The Company has formed provision of total amount of 800 th. € for computer guarantees given to its customers. The provision is revaluated at the end of each fiscal year.

21. Deferred Income

(Figures in thousand €)

The investment that took shape in Magoula Attika, came under the provisions of the development law 3299/2004 (subjection decision 32278/YPE/4/00513/E/N.3299/2004). Part of government grant amounted to € 2.153 th., received by the company during 2010. The government grant is realised both in non-current and current liabilities, as well as subtracting to the relative depreciation.

With the 18420/ΥPΕ/4/00513/Ε/Ν.3299/28.4.2011 decision of the under-secretary of competitiveness and shipping (Government Gazette, issue B, 1078/1.6.2011) the investment completion, finalization of cost and commencement of the productive operation of the investment was certified.

With the above mentioned decision the remainder of the subsidy was approved amounting to 2.259 th. €. It is noted that the total amount of the subsidy came up to 4.412 th. €.

State grants are posted in their value when there is the certainty that the grant will be collected and the Group will comply to all the relevant terms.

The state grants that are intended for the purchase of tangible assets are posted under long term liabilities and are posted in the Income Statement through the method of depreciation based on remaining lifetime of the fixed assets that the grant refers to. For this year 01.01.2021-30.06.2021 the depreciation of grants came up to 30 th. €.

The state grants that concern expenses are deferred and posted directly in the Income Statement, when the granted expense is posted, so that the expense and the income is matched.

STATE GRANTS THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Long Term 2.212 2.242 2.212 2.242
Short Term 61 61 61 61
2.273 2.303 2.273 2.303

22. Suppliers and related short-term liabilities

(Figures in thousand €)

The other current and short-term liabilities of the Group and the Company as at 30 June 2021 and 31 December 2020 are analyzed as follows:

SUPPLIERS AND RELATED CURRENT LIABILITIES THE GROUP THE COMPANY
30.06.2021 31.12.2020 30.06.2021 31.12.2020
Trade payables 32.584 40.112 32.342 39.625
Payable Dividends 21 21 21 21
Liabilities to insurance companies 663 1.253 663 1.253
Deferred Income 66 81 66 81
Creditors 10.752 10.265 10.752 10.265
Other current liabilities 4.810 3.799 4.764 3.788
Current Contract Liabilities 4.485 4.807 4.475 4.686
53.381 60.338 53.083 59.719

All the aforementioned liabilities are short-term and there is no need to be discounted at the date of the balance Sheet.

23. Lease liabilities

(Figures in thousand €)

The lease liabilities of the Group and the Company as at 30 June 2021 and 31 December 2020 are analyzed as follows:

THE GROUP

Lease Liabilities Buildings Means of Transport Total
Balance on January 1st 2021 36.267 358 36.625
Additions 0 66 66
Discount interest 408 5 414
Lease Modifications (2.292) 0 (2.292)

Interim Financial Report for the period 01.01.21-30.06.21

Rents payments (395) (140) (535)
Balance on June 30th 2021 33.989 289 34.278
Lease Liabilities Buildings Means of Transport Total
Balance on January 1st 2020 35.426 589 36.015
Additions 0 31 31
Discount interest 949 17 966
Lease Modifications 3.806 0 3.806
Rents payments (3.913) (280) (4.193)
Balance on December 31st 2020 36.267 358 36.625

THE COMPANY

Lease Liabilities Buildings
Means of Transport
Total
Balance on January 1st 2021 33.657 358 34.014
Additions 0 66 66
Discount interest 382 5 387
Lease Modifications (2.274) 0 (2.274)
Rents payments (311) (140) (451)
Balance on June 30th 2021 31.454 289 31.743
Lease Liabilities Buildings Means of Transport
Balance on January 1st 2020 33.090 589 33.680
Additions 0 31 31
Discount interest 891 17 908
Lease Modifications 3.427 0 3.427
Rents payments (3.752) (280) (4.032)
Balance on December 31st 2020 33.657 358 34.014

24. Income tax expense

(Figures in thousand €)

The income tax expense comes from the deduction of the profits after tax of the non-deductible expenses that are not recognized from the tax authorities. These expenses are recalculated on each Balance Sheet date. The effective income tax expense based on the current tax rates on 30.06.2021 (22%) and on 30.06.2020 (24%) is analyzed as follows:

INCOME TAX EXPENSE THE GROUP THE COMPANY
30.06.2021 30.06.2020 30.06.2021 30.06.2020
Income tax expense 934 635 934 635
Deferred income tax (448) (464) (447) (463)
486 171 487 173

On 30.06.2021 and based on the provisions of article 120 of Law 4749/2021, the income tax rate of legal entities in Greece that is valid is 22%. If the income tax had been calculated at a rate of 24% as on 30.06.2020, it would have been set at € 263 th., because an increased income from the deferred tax would have been formed.

The Company received within 2021 from the tax authorities an audit order for the years 2015 and 2016. It is noted that for these years the Company has been audited within the process of issuing the annual tax certificate, as provided by article 65A of Law 4174/2013 and the corresponding tax compliance report has been issued without reservation by the company BDO Certified Auditors SA.

25. Related party transactions

(Figures in thousand €)

The intra-company transactions can be analyzed as follows:

Intra-company transactions 01.01- 30.06.2021

PURCHASING COMPANY

SELLING COMPANY Plaisio Computers SA Plaisio Estate SA. Plaisio
Computers
JSC
Plaisio
Estate
JSC
Buldoza
SA
Total
Plaisio Computers SA - 0 2.162 0 164 2.325
Plaisio Estate SA. 81 - 0 0 0 81
Plaisio Computers JSC 0 0 - 0 0 0
Plaisio Estate JSC 0 0 42 - 0 42
Buldoza A.E. 0 0 0 0 - 0
Total 81 0 2.204 0 164 2.449

Intra-company transactions 01.01- 30.06.2020

PURCHASING COMPANY

Plaisio Plaisio
SELLING COMPANY Plaisio Computers SA Plaisio Estate SA. Computers
JSC
Estate
JSC
Buldoza
SA
Total
Plaisio Computers SA - 0 1.543 0 120 1.663
Plaisio Estate SA. 269 - 0 0 0 269
Plaisio Computers JSC 12 0 - 0 0 12
Plaisio Estate JSC 0 0 33 - 0 33
Buldoza A.E. 0 0 0 0 - 0
Total 281 0 1.576 0 120 1.977

Inter-company receivables – liabilities 30.06.2021

COMPANY THAT HAS THE LIABILITY

Plaisio Plaisio
Computers Estate Buldoza
Plaisio Computers SA Plaisio Estate SA. JSC JSC SA Total
Plaisio Computers SA - 0 319 0 192 511
Plaisio Estate SA. 12 - 0 0 0 12
Plaisio Computers JSC 0 0 - 0 0 0
Plaisio Estate JSC 0 0 0 - 0 0
Buldoza A.E. 0 0 0 0 - 0
Total 12 0 319 0 192 522

Inter-company receivables – liabilities 31.12.2020

COMPANY THAT HAS THE LIABILITY
Plaisio Computers SA Plaisio Estate SA. Plaisio
Computers
JSC
Plaisio
Estate
JSC
Buldoza
SA
Total
Plaisio Computers SA - 0 449 0 89 537
Plaisio Estate SA. 7 - 0 0 0 7
Plaisio Computers JSC 0 0 - 0 0 0
Plaisio Estate JSC 0 0 0 - 0 0
Buldoza A.E. 0 0 0 0 - 0
Total 7 0 449 0 89 544

In the consolidated financial statements, all the necessary eliminations have been made. Also, the Company, on 30.06.2021 has dividend receivables from the subsidiary and the affiliate in Bulgaria. The affiliate Plaisio Estate JSC received on 30.06.2021 the decision to pay to the Company a dividend of 2 th. Euro for the year 2020 and the payment date was 21.07.2021. The subsidiary PLAISIO COMPUTERS JSC decided on 30.06.2021 the distribution of a dividend of 154 th. Euro and the payment date was 21.07.2020. For all the aforementioned transactions, the principle "Arm's Length" has applied.

The transactions with the members (including the social contributions) of the Board of Directors and the Management from the beginning of the period are analyzed as follows:

Transactions with members of the Board of Directors and Key Managers 01.01-30.06.2021
THE GROUP THE COMPANY
Transactions with members of the Board of Directors and Key Managers 368 368
Claims to members of the Board of Directors and Key Managers 0 0

Transactions with members of the Board of Directors and Key Managers 01.01-30.06.2020

THE GROUP THE COMPANY
Transactions with members of the Board of Directors and Key Managers 324 324
Claims to members of the Board of Directors and Key Managers 0 0

26. Contingent Liabilities

The Group has contingent liabilities and assets in relation to banks, other guarantees and issues that arrive from its normal operation, from which no important additional charges are expected to arise.

There are no disputes or arbitrations as well as decisions of courts or arbitration decisions that may have a significant impact on the assets of the Group companies.

Tax Certificate

Since the 2011 financial year and on, all Greek Societe Anonyme and Limited Liability Companies that are required to prepare audited statutory annual financial statements must in addition obtain an "Annual Tax Certificate" as provided for by article 82 paragraph 5 of L. 2238/1994. This "Annual Tax Certificate" must be issued by the same statutory auditor or audit firm that issues the audit opinion on the statutory financial statements. Upon completion of the tax audit, the statutory auditor or audit firm must issue to the entity a "Tax Compliance Report" which will subsequently be submitted electronically to the Ministry of Finance, by the statutory auditor or audit firm. The Ministry of Finance, according to aforementioned law, has the lawful right to choose a sample of companies, at least 9%, for statutory tax audit by the tax authorities of the Ministry. This statutory audit must be completed in an 18-month period from the submission of the "Tax Compliance Report" in the Ministry of Finance.

Since the 2014 financial year and on, the "Tax Compliance Report" became optional for the companies of which the annual financial statements are mandatory audited and is issued after an audit is carried out, simultaneously with the financial audit, regarding the application of the tax provisions in tax objects. The "Tax Compliance Report" may substitute, in some cases, the audit from the Tax Authorities, however, the Tax Authorities retain the right to audit in later dates, without terminating its tax obligations for the relevant tax year.

The un-audited tax periods for the Companies of the Group on 30.06.2021 are presented as follows:

Plaisio Computers S.A.

The Company has received the "Tax Compliance Report" without any provision up to the corporate year ended 31.12.2019 and it is in due process for the tax audit of 2020.

In 2021 the Company has received the Audit Order from the Tax Authorities for the corporate years 2015 and 2016. It is noted that the Company has been audited for the issuance of the "Tax Compliance Report" by the "International Auditors Certified / Registered Auditors & Accountants S.A., according to article 65A of the L. 4174/2013 and the corresponding "Tax Compliance Report" has been issued without reservation by the company BDO Certified Auditors SA.

The management team of the Company does not expect important tax liabilities to arise, other than those appearing to the financial statements.

Plaisio Estate S.A.

The Company has received the "Tax Compliance Report" up to the corporate year ended on 31.12.2019 and it has been audited by the Tax Authorities up to the corporate year ended on 31.12.2009. The corporate year 2010 has not been audited by the Tax Authorities, however, the right of the Public Sector to audit the corporate year 2010 has expired. For the fiscal year 2020, the tax audit for the issuance of the "Tax Compliance Report" is already carried out by the company BDO Certified Auditors SA. The management team of the Company does not expect important tax liabilities to arise, other than those appearing to the financial statements.

Plesio Computers JSC

The Company has not been audited since the commencement of its operations in 2004.

Plesio Estate JSC

The Company has not been audited since the commencement of its operations in 2004.

27. Profit per Share

Basic Earnings per share are calculated by dividing the net profit that is distributed to the shareholders of the parent company, to the weighted average number of shares during the period, without taking into consideration own shares.

Diluted earnings per share are calculated by adjusting the average number of shares to the effects of all the potential titles convertible to common shares. The company has no such category of titles, so the diluted earnings per share are equal to the basic earnings per share.

PROFIT PER SHARE THE GROUP THE COMPANY
01.01.2021-
30.06.2021
01.01.2020-
30.06.2020
01.01.2021-
30.06.2021
01.01.2020-
30.06.2020
Profit attributable to equity holders of the 272
Company (amounts in th. €) 1.426 330 1.215
Weighted no of shares (amounts in th. €) 22.076 22.076 22.076 22.076
Basic earnings per share (€ per share) 0,0646 0,0150 0,0550 0,0123

On the balance sheet date, the Company has no treasury shares.

28. Dividend per Share

On April 19th 2021, the Board of Directors of the Company, decided to propose the distribution of dividend of total amount of 1.104 th € (per share 0,05 € gross amount) from the profit of the year 2020, which was approved by the General Shareholders Meeting that took place on 08.06.2021. According to article 24 of th c.l.4646/2019 (Government Gazzete: A' 201), the dividend tax withheld rate of 5% is formed for income earned since 01.01.2020.

According to IFRS, the aforementioned dividend, after its approval from the General Assembly of the shareholders is transferred from Net Equity, to the other short-term liabilities of the Company. The payment of the dividend took place on 29th of June 2021 from the bank Eurobank S.A..

29. Number of personnel

The personnel employed on June 30th 2021 was 1.505 and 1.435 employees for the Group and for the Company respectively. On June 30th 2020 the number of employees of the Group and of the Company was 1.409 and 1.342 employees respectively.

30. Events after the reporting period

The Company informed the investing public on 02.07.2021, that the Board of Directors of the Company appointed Ms. Stella Giovanaki as Head of the Company's Internal Audit Unit to replace Ms. Evangelia Giannopoulou. Ms.

Interim Financial Report for the period 01.01.21-30.06.21

Stella Giovanaki meets the requirements of the current legal framework (article 15 of Law 4706/2020), i.e., she is full-time and exclusively employed, she has personal and functional independence, she is not a member of Board of Directors or a member with the right to vote in standing committees of the Company, she has no close ties with anyone who holds one of the above qualities in the Company and she has the appropriate knowledge and relevant professional experience to assume the above position. Ms. Stella Giovanaki is a graduate of Accounting and Finance Department of the Athens University of Economics and Business, and she has 3 years of active experience in internal audit following a 6-yearexperience in external audit. Ms. Stella Giovanaki assumed her duties as Head of the Internal Audit Unit since July 1, 2021.

The Company informed the investing public on 06.07.2021, that the Board of Directors of the Company appointed Mr. Marios Vamvakouris as Head of the Company's Corporate Announcements Unit to replace Ms. Aikaterini Vasilaki. Mr. Marios Vamvakouris assumed his duties as Head of the Corporate Announcements Unit since July 5, 2021.

Τhere are no other events after the reporting period, of the Group or the Company, which have a significant effect on the financial position of the Group or the Company.

Magoula, 21st of September 2021

The Chairman of the BoD The CEO The Chief Financial Officer & A' Class License Holder

George Gerardos Konstantinos Gerardos Aikaterini Vasilaki ID no. ΑΙ 597688 ID no. ΑΟ 507700 ID no. AB 501431

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