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Marfin Investment Group S.A.

Interim / Quarterly Report Oct 1, 2020

2646_ir_2020-10-01_4de20942-1c2f-462b-9a1a-84d6340ceb79.pdf

Interim / Quarterly Report

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6-MONTH FINANCIAL REPORT FOR THE PERIOD ENDED 30th JUNE 2020

According to article 5 of L. 3556/2007 and relevant executive decisions of Hellenic Market Commission Board of Directors

(amounts in € thousand unless otherwise mentioned)

MARFIN INVESTMENT GROUP HOLDINGS S.A. El. Venizelou 10, 106 71 Athens, Greece Tel. +30 210 6893450 General Commercial Reg. Nr. 3467301000 (Societe Anonyme Reg. Nr. 16836/06/Β/88/06)

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Table of Contents

A. REPRESENTATIONS OF THE MEMBERS OF THE BOARD OF DIRECTORS 6
B. Independent Auditor's Report on Review of Condensed Interim Financial Information 7
C. MANAGEMENT REPORT OF THE BOARD OF DIRECTORS OF "MARFIN INVESTMENT GROUP S.A."
ON THE CONSOLIDATED AND CORPORATE FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIOD
ENDED AS AT 30/06/2020 9
D. INTERIM CONDENSED SEPARATE AND CONSOLIDATED FINANCIAL STATEMENTS FOR THE
PERIOD ENDED JUNE 30th 2020 25
I. INTERIM SIX MONTH CONDENSED FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIOD
ENDED 30/06/2020 26
CONSOLIDATED CONDENSED INCOME STATEMENT (01/01-30/06/2020) 26
SEPARATE CONDENSED INCOME STATEMENT (01/01-30/06/2020) 27
CONSOLIDATED AND SEPARATE CONDENSED STATEMENT OF COMPREHENSIVE INCOME (01/01-
30/06/2020) 28
CONDENSED STATEMENT OF FINANCIAL POSITION AS OF 30/06/2020 29
CONSOLIDATED CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2020) 30
CONSOLIDATED CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2019) 31
SEPARATE CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2020) 32
SEPARATE CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2019) 32
CONDENSED STATEMENT OF CASH FLOWS (01/01-30/06/2020) (CONSOLIDATED AND SEPARATE) 33
II. NOTES TO THE CONDENSED 6-MONTH INTERIM FINANCIAL STATEMENTS 35
1 GENERAL INFORMATION ON THE GROUP 35
2 GROUP STRUCTURE AND ACTIVITIES 36
3 BASIS OF FINANCIAL STATEMENTS PRESENTATION 43
4 BASIC ACCOUNTING POLICIES 44
5 ESTIMATES 48
6 BUSINESS COMBINATIONS AND ACQUISITIONS OF NON-CONTROLLING INTERESTS 48
7 DISPOSAL GROUPS HELD FOR SALE AND DISCONTINUED OPERATIONS 48
8 OPERATING SEGMENTS 50
9 RIGHT-OF-USE PROPERTY, PLANT AND EQUIPMENT 53
10 GOODWILL 54
11 INTANGIBLE ASSETS 57
12 INVESTMENTS IN SUBSIDIARIES 58
13 INVESTMENT PROPERTY 59
14 OTHER NON-CURRENT ASSETS 59
15 DEFERRED TAX ASSETS AND OBLIGATIONS 60
16 TRADE AND OTHER RECEIVABLES 60
17 CASH, CASH EQUIVALENTS AND RESTRICTED CASH 61
18 SHARE CAPITAL AND SHARE PREMIUM 61
19 OTHER RESERVES AND FAIR VALUE RESERVES 62
20 BORROWINGS 63
21 FINANCIAL DERIVATIVES 66
22 PROVISIONS 67
23 SUPPLIERS AND OTHER LIABILITIES 67
24 OTHER SHORT-TERM LIABILITIES 68
25 SALES 68
26 COST OF SALES – ADMINISTRATIVE – DISTRIBUTION EXPENSES 69
27 OTHER FINANCIAL RESULTS 70

INTERIM FINANCIAL REPORT FOR THE PERIOD ENDED JUNE 30th, 2020

28 EARNINGS PER SHARE 70
29 ANALYSIS OF TAX EFFECTS ON OTHER COMPREHENSIVE INCOME 71
30 RELATED PARTY TRANSACTIONS 72
31 CONTINGENT LIABILITIES 74
32 FAIR VALUE OF FINANCIAL INSTRUMENTS 80
33 RISK MANAGEMENT POLICIES 82
34 STATEMENT OF FINANCIAL POSITION POST REPORTING DATE EVENTS 89
35 APPROVAL OF FINANCIAL STATEMENTS 90

ABBREVIATIONS

As used in the Financial Statements unless otherwise mentioned:

"Company", "Group", " MIG" refers to "MARFIN INVESTMENT GROUP HOLDINGS S.A." "ΑΤΗΕΝΙΑΝ ENGINEERING" refers to "ATHENIAN ENGINEERING S.A." "ATTICA" refers to "ATTICA HOLDINGS S.A." "BARBA STATHIS" refers to "BARBA STATHIS S.A." "BLUE STAR" refers to "BLUE STAR MARITIME S.A." "BVI" refers to BRITISH VIRGIN ISLANDS "CBL" refers to "Convertible Bond Loan" "CGU" refers to "Cash Generating Unit" "DELTA" refers to " DELTA FOODS S.A." "EVEREST" refers to "EVEREST S.A." "FORTRESS" refers to "FORTRESS INVESTMENT GROUP" "GOODY'S" refers to "GOODY'S S.A." "HSW" refers to "HELLENIC SEAWAYS MARITIME S.A." "HYGEIA" refers to "HYGEIA S.A." "IFRS" refers to International Financial Reporting Standards "MARFIN CAPITAL" MARFIN CAPITAL S.A." "MEVGAL" refers to "MEVGAL S.A." "MIG AVIATION 1" refers to "MIG AVIATION 1 LTD" "MIG AVIATION 2" refers to "MIG AVIATION 2 LTD" "MIG AVIATION HOLDINGS" refers to "MIG AVIATION HOLDINGS LTD" "MIG LEISURE" refers to "MIG LEISURE LTD" "MIG LRE CROATIA" refers to "MIG LEISURE & REAL ESTATE CROATIA B.V." "MIG REAL ESTATE" refers to "MIG REAL ESTATE S.A." "MIG REAL ESTATE SERBIA" refers to "MIG REAL ESTATE (SERBIA) B.V." "MIG SHIPPING" refers to "MIG SHIPPING S.A." "OLYMPIC AIR" refers to "OLYMPIC AIR S.A." "SKYSERV" refers to "SKYSERV HANDLING S.A." "RKB" refers to "JSC ROBNE KUCE BEOGRAD" "SINGULARLOGIC" refers to "SINGULARLOGIC S.A." "VIVARTIA" refers to "VIVARTIA HOLDINGS S.A."

"CTDC" refers to "THE CYPRUS TOURISM DEVELOPMENT PUBLIC COMPANY LTD"

A. REPRESENTATIONS OF THE MEMBERS OF THE BOARD OF DIRECTORS

The below statements, made in compliance with Article 4, Par. 2 of the Law 3556/2007, as currently effective, are made by the following representatives of the Company Board of Directors:

    1. Panagiotis Throuvalas, father's name Konstantinos, Chairman of the Board of Directors
    1. Athanasios Papanikolaou, father's name Efthimios, Chief Executive Officer
    1. Christophe Vivien, father's name Francois, Member of the Board of Directors

The following Members who sign the financial statements, under our capacities as Members of the Board of Directors, specifically appointed for this purpose by the Board of Directors of MARFIN INVESTMENT GROUP HOLDINGS S.A. declare and certify to the best of our knowledge that:

  • (a) The six-month Financial Statements of MARFIN INVESTMENT GROUP HOLDINGS S.A. for the period 01/01-30/06/2020, which were prepared according to the applicable accounting standards, present truly and fairly the assets and liabilities, the equity as of 30/06/2020 and the financial results of the Company for the first six months of 2020, as well as the companies included in the consolidation in the aggregate, according to par. 3 – 5 of article 5 of L. 3556/2007 and the authorizing decisions of the BoD of the Hellenic Capital Market Commission, and
  • (b) The six-month Board of Directors Report presents in a true and fair way the information required according to par. 6 of article 5 of L. 3556/2007 and the authorizing decisions of the BoD of the Hellenic Capital Market Commission.

Athens, 30 September, 2020

The designees

The Chairman of the BoD The Chief Executive Officer The Member of the BoD

Panagiotis Throuvalas Athanasios Papanikolaou Christophe Vivien

ID No: ΑΚ543083 ID No: ΑN612863 Passport No: 14AD07810

B. Independent Auditor's Report on Review of Condensed Interim Financial Information

To the Board of Directors of "MARFIN INVESTMENT GROUP HOLDINGS S.A."

Report on Review of Interim Financial Information

Introduction

We have reviewed the accompanying interim condensed separate and consolidated statement of financial position of the Company "MARFIN INVESTMENT GROUP HOLDINGS S.A." as of June 30 2020 and the related condensed separate and consolidated income statements and statements of other comprehensive income, statements of changes in equity and cash flows for the six-month period then ended, and the selected explanatory notes that constitute the interim condensed financial information, which forms an integral part of the six-month financial report according to Law 3556/2007.

Management is responsible for the preparation and presentation of this interim condensed financial information, in accordance with International Financial Reporting Standards, as adopted by the European Union and which apply 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 to 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.

Material Uncertainty Related to Going Concern

We would like to draw your attention to Note 3.1 of the interim condensed separate and consolidated financial statements which describes that the Group's and Company's current liabilities as at June 30, 2020 exceed current assets by € 308.6 mil. and € 295.2 mil., respectively. As described in the same Note and in Note 20 of the interim condensed separate and consolidated financial statements, management is in discussions for the restructuring of borrowing liabilities (including capital and interest) of its subsidiary amounting to € 107.9 mil. In addition, for borrowing liabilities amounting to € 253.8 mil. payable on 31/12/2020 and borrowing liabilities amounting to € 295.1 mil. payable on 31/07/2021, in the context of the Restructuring Agreement signed by the Company which requires compliance with terms, Management examines their refinancing and /or their repayment through the disposal of assets. Finally, the effect of the COVID-19 pandemic on the Group's liquidity position is described in Note 33.

The above conditions indicate the existence of material uncertainty regarding the Group's and Company's ability to continue as a going concern. The successful refinancing and /or repayment of borrowing liabilities, as well as the effectiveness of management's plans in facing the pandemic COVID-19, constitute key requirements for the adequacy of the Group's and Company's working capital. As mentioned in Note 3.1, management has planned actions to enhance the Group's and Company's financial position and the going concern assumption, condition which has been taken into account for the preparation of the accompanying financial statements according to the going concern principle.

Our conclusion is not modified in respect of this matter.

Emphasis of matter

We would like to draw your attention to Note 34 of the interim condensed financial information, making reference to the fact that the Company has received after the reporting date (30/06/2020) a binding offer from the investment funds of "CVC CAPITAL PARTNERS" ("CVC") for the purchase of its entire stake in "VIVARTIA HOLDINGS S.A." ("VIVARTIA").

As stated in the abovementioned note, in any potential transaction the final agreed consideration is subject to negotiations and could be different from the carrying value of the investment as at the reporting date (30/06/2020). As a result, the result of any potential disposal of the investment will be determined at the date that the transaction is finalized.

Our conclusion is not modified in respect of this matter.

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 under article 5 and 5a of Law 3556/2007, in relation to the accompanying interim condensed separate and consolidated financial information.

Athens, September 30, 2020

Certified Public Accountant (C.P.A.)

Pelagia Kaza

I.C.P.A. Reg. No.: 62591

© 2020 Grant Thornton Chartered Accountants Management Consultants | Zefirou 56, 175 64 P. Faliro | Τ: +30 210 7280000 F: +30 210 7212222 | www.grant-thornton.gr

C. MANAGEMENT REPORT OF THE BOARD OF DIRECTORS OF "MARFIN INVESTMENT GROUP S.A." ON THE CONSOLIDATED AND CORPORATE FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIOD ENDED AS AT 30/06/2020

The current Report of the Board of Directors pertains to the first six-month period of the current financial year 2020. The Report has been prepared by the Board of Directors in compliance with the relevant provisions of law 3556/2007, article 5, paragraph 6, as well as the publicized resolutions of the Hellenic Capital Market Commission (Resolution 1/434/2007, article 3 and Resolution 8/754/14.04.2016).

The current report briefly describes financial information of the Group and the Company for the sixmonth period, the most significant events that took and their effect of the six-month financial statements as well as the prospects regarding the company MARFIN INVESTMENT GROUP HOLDINGS S.A. (hereinafter "MIG", "Company") as well as its subsidiaries. Moreover, it provides a description of the main risks and uncertainties the Group and Company might be faced during the second half of 2020 as well as the most significant transactions that took place between the Company and its related parties. The current report of the Board of Directors should be read in conjunction with the Interim Consolidated and Company Financial Statements and Notes on these.

1. FINANCIAL DEVELOPMENTS AND PERFORMANCE DURING THE FIRST SIX-MONTH PERIOD OF 2020

1.1 Consolidated Income Statement

Sales: Sales from continuing operations amounted to € 380.0 m versus € 453.0 m recording a decrease of -16.1% compared to the respective last year period, which is due to the adverse impact of the pandemic on the sales of the operating segment of Transportation and the Food Services sub-segment of the Food and Dairy operating segment. The Group's operating segments recorded a decrease in sales (not including intercompany transactions) and specifically: Transportation segment -28.2%, Private Equity segment -15.3% and Food and Dairy segment -9.6%.

EBITDA from Continuing Operations: EBITDA from continuing operations amounted to € 16.31 m versus € 33.9 m in the first six months of 2019 recording a decrease due to the adverse impact of the pandemic on the operating profitability of the operating segment of Transportation as well as the Food Services sub-segment of the Food and Dairy operating segment.

Financial Income and Expense: Net financial expenses amounted to € (31.0) m, remaining at the same levels as in the first half of 2019. Other financial results of the Group amounted to € (33.8) m, including impairment of assets of € (21.2) m and the result amounting to € (12.5) m from hedging transactions against risk of changes in fuel prices. It is to be noted that the corresponding item of the comparative period was € (2.6) m and it was related to impairment of assets of € (4.0) m and an amount of € 1.3 m from hedging transactions against risk of changes in fuel prices.

Income Tax: Income tax from continuing operations stood at income of € 1.5 m versus income of € 0.5 m in the respective last year period.

1 The above amount does not include loss from valuation of investment property at fair value, standing at € (9.5) m.

Profit/(Loss) from Continuing Operations: Consolidated losses after tax from continuing operations in the first half of 2020 amounted to € (89.2) m compared to € (39.7) m in the first half of 2019.

Profit/(Loss) from Discontinued Operations: In the first half of 2020, losses from discontinued operations amounted to € (8.5) m pertaining to SINGULARLOGIC group. It is to be noted that for the corresponding comparative period of 2019, profit from discontinued operations amounted to € 3.8 m, mainly pertaining to the disposal of CTDC, owner of the Hilton Cyprus hotel, and the operating result of SINGULARLOGIC group.

1.2 Consolidated Statement of Financial Position

Cash, Cash Equivalent & Restricted Cash and Debt: The Group's cash, cash equivalents & restricted cash on 30/06/2020 stood at € 114.9 m and is analyzed as follows: Food and Dairy € 41.3 m (35.9% of the total), Transportation € 68.8 m (59.9% of the total), Private Equity € 4.1 m (3.6% of the total) and Financial Services € 0.7 m (0.6% of the total).

As at 30/06/2020, the Group's debt amounted to € 1,445.4 m compared to € 1,478.7 m on 31/12/2019. The decrease in borrowing compared to the end of 2019 is mainly due to the fact that on 30/06/2020 loan liabilities of the SINGULARLOGIC group amounting to € 30.1 m were classified in the disposal groups held for sale.

MIG Group's loan liabilities are analyzed as follows: Food and Dairy € 421.6 m (29.2% of the total) Transportation € 399.9 m (27.6% of the total), Private Equity € 75.0 m (5.2% of the total) and Financial Services € 548.9 m (38.0% of the total).

Net Cash Flows from Operating Activities: Net cash flows from operating activities stood at € (0.4) m versus € 5.7 m in the respective last year period.

Cash Flows from Investing Activities: Cash flows from investing activities stood at € (39.4) m versus € 14.9 m in the respective period of previous year. The difference is attributed mainly to the disposal of CTDC, owner of Hilton Cyprus, within the first half of 2019.

Cash Flows from Financing Activities: Cash flows from financing activities stood at € (11.3) m versus € (37.9) m in the respective period last year. The difference is attributed mainly to the repayment of debt liabilities standing at € 27.5 m of MIG LEISURE in the first half of 2019.

1.3 Financial Results per Operating Segment

1.3.1 Food and Dairy

Sales of the operating segment in the first half of 2020 amounted to € 265.7 m (of which € 2.0 m were intragroup) decreased by 9.7% compared to € 294.1 m during the corresponding period last year (of which € 2.4 m were intragroup) mainly due to the adverse impact of the pandemic on the sales of the Food Services sub-segment. Sales of the operating segment are analyzed as follows: Dairy: € 134.8 m, Frozen Food: € 81.6 m and Food Services: € 50.3 m (including intragroup sales of € 1.0 m).

EBITDA in Dairy and Frozen Food sub-segments recorded an improvement compared to the corresponding period last year against EBITDA in Food Services sub-segment which significantly decreased, forming the total EBITDA of VIVARTIA group at € 17.5 m compared to € 21.7 m in the respective last year period.

Losses after tax stood at € (21.5) m versus losses of € (11.4) m in the respective period in 2019.

1.3.2 Transportation

Sales of the transportation operating segment in the first half of 2020 stood at € 117.0 m (€ 3.8 m of which were intragroup) decreased by -28.7% versus € 164.0 m (€ 6.4 m of which were intragroup) in the respective period last year due to the adverse impact of the pandemic on tourism and traffic volume.

EBITDA stood at € 2.0 m versus € 15.5 m in the respective last year period due to the adverse impact of the pandemic on transportation and tourism.

Losses after tax stood at € (41.2) m versus losses after tax of € (11.3) m in the respective last year period.

1.3.3 Private Equity (Real Estate and others)

Sales of the operating segment in the first half of 2020 stood at € 6.0 m (€ 2.8 m of which intragroup) versus the amount of € 7.8 m (€ 4.0 m of which intragroup) in the respective last year period, decreased due to the adverse effects of the pandemic on sales of the operating segment.

EBITDA stood at € 0.4 m compared to € 1.6 m during the respective comparative period. The decrease of EBITDA is due to the adverse effects that the pandemic had on the operation of RKB stores.

Losses after tax stood at € (10.6) m, against € (0.5) m the respective comparative period.

1.3.4 Financial Services

Losses after tax for the first half of 2020 stood at € (15.9) m compared to losses of € (16.6) m in the respective comparative period in 2019.

Net Debt on 30/06/2020 stood at € 550.3 m compared to € 547.8 m on 31/12/2019.

2. VALUE GENERATION AND PERFORMANCE MEASUREMENT FACTORS

In the context of implementing the Guidelines on "Alternative Performance Measures" of the European Securities and Markets Authority (ESMA/2015/1415el) effective as from July 3rd 2016 in respect of Alternative Performance Measures (APMs)

The Group uses Alternative Performance Measures (APMs) in the context of decision making regarding financial, operational and strategic planning as well as while evaluating and recording its performance. APMs facilitate better understanding of financial and operating results of the Group and its financial position. APMs should always be taken into account in conjunction with the financial results recorded under IFRSs and should under no circumstances replace them.

EBITDA (Earnings Before Interest Taxes Depreciation & Amortization) - The ratio adds total depreciation of tangible assets and amortization of intangible assets to consolidated earnings before taxes. The higher the ratio, the more efficiently the entity operates.

EBITDA Margin (%): EBITDA Margin (%) divides the basic earnings before interest, taxes, depreciation, and amortization by the total turnover.

EBITDA (Earnings Before Interest Taxes Depreciation & Amortization) for total subsidiaries – The ratio adds to consolidated earnings before taxes and interest total depreciation of tangible assets and amortization of intangible assets apart from holding companies, provisions other than those pertaining to the ordinary course of business, gain/losses arising from disposal of investment property, tangible and intangible assets and fair value adjustments to investment property.

EBITDA Margin (%) for total subsidiaries: EBITDA Margin (%) divides EBITDA for total subsidiaries by the total turnover.

EBIT (Earnings Before Interest & Taxes) for total subsidiaries: EBIT calculated as EBITDA less subsidiaries depreciation of tangible assets and amortization of intangible assets.

EBIT Margin (%) for total subsidiaries: EBIT Margin divides EBIT for total subsidiaries by the total turnover.

30/06/2020
Amounts in € m
Food & Dairy Financial
Services
Transportation Private
Equity
Total from
continuing
operations
Revenues (a) 263.7 - 113.2 3.1 380.0
Operating profit/(loss) -ΕΒΙΤ (1.8) (3.8) (21.4) 0.4 (26.6)
Depreciation 19.3 0.2 23.4 0.0 42.9
Earnings before interest, taxes, depreciation and
amortization - EBITDA (b) *
17.5 (3.7) 2.0 0.4 16.3
EBITDA margin (%) [(b)/(a)] 6.6% - 1.8% 14.2% 4.3%
ΕΒΙΤDA of Holding companies - 3.7 - - 3.7
(Profit)/Loss on sale of investment property, property,
plant and equipment and intangible assets
(0.1) - - - (0.1)
EBITDA business operations (c) 17.4 0.1 2.0 0.4 19.9
EBITDA business operations margin (%) [(c)/(a)] 6.6% - 1.8% 14.2% 5.2%
Depreciation of subsidiaries (19.3) - (23.4) (0.0) (42.7)
EBIT business operations (d) (1.9) 0.1 (21.4) 0.4 (22.8)
EBIT business operations margin (%) [(d)/(a)] -0.7% - -18.9% 14.1% -6.0%

* Earnings / (losses) before interest, tax, depreciation and amortization - EBITDA does not include loss from the valuation of investment property amounting to € (9.5) m

30/06/2019
Amounts in € m
Food & Dairy Financial
Services
Transportation Private
Equity
Total from
continuing
operations
Revenues (a) 291.7 - 157.6 3.7 453.0
Operating profit/(loss) -ΕΒΙΤ 1.9 (5.1) (5.1) 1.6 (6.7)
Depreciation 19.8 0.2 20.6 0.0 40.6
Earnings before interest, taxes, depreciation and
amortization - EBITDA (b)
21.7 (4.9) 15.5 1.6 33.9
EBITDA margin (%) [(b)/(a)] 7.4% - 9.9% 44.5% 7.5%
ΕΒΙΤDA of Holding companies - 5.0 - - 5.0
(Profit)/Loss on sale of investment property, property,
plant and equipment and intangible assets
0.1 - - - 0.1
EBITDA business operations (c) 21.8 0.1 15.5 1.6 39.1
EBITDA business operations margin (%) [(c)/(a)] 7.5% - 9.9% 44.5% 8.6%
Depreciation of subsidiaries (19.8) (20.6) (0.0) (40.4)
EBIT business operations (d) 2.1 0.1 (5.1) 1.6 (1.3)
EBIT business operations margin (%) [(d)/(a)] 0.7% - -3.2% 44.4% -0.3%

3. MOST SIGNIFICANT EVENTS DURING THE FIRST HALF OF 2020

3.1 Outbreak of COVID-19 pandemic

On January 30, 2020, the World Health Organization (WHO) declared the outbreak of the COVID-19 virus an "extraordinary event which is determined to constitute a public health risk" and in March 2020 the WHO declared COVID-19 as pandemic. The outbreak of the COVID-19 pandemic, combined with the restrictive measures taken to address it, has had an adverse impact on global economic

activity. In particular, in Greece, the outbreak of the pandemic intercepted the favorable prospects that had been formed at the beginning of the year for the course of the Greek economy, as a decrease in GDP is expected, which is estimated to arise from almost all economic activity in the country, with the segments of tourism, catering, transportation, trade and entertainment being the most affected ones. According to the basic scenario of the Bank of Greece (Financial Stability Review, July 2020) economic activity is estimated to present an annual decline of -5.8%, while according to the unfavorable scenario, associated with a potential resurgence of the pandemic, in 2010, the rate of decline of Greek GDP will be -9.4% with recovery expected in any of the 2 scenarios starting from 2021. This paragraph is recommended to be read in conjunction with section 6.7 "COVID-19 Pandemic" of this Management Report.

3.2 Food and Dairy

VIVARTIA group

  • At the beginning of 2020, in the context of optimizing the productive structures of the Dairy subsegment, the transfer and operation of the milk production line from the facilities of Tavros to the facilities of Agios Stefanos was successfully completed.
  • DELTA was awarded by the Association "Together for the Child" for its contribution to the Union during the two years 2018-2019 through many actions and programs. In addition, it received the Entrepreneurship Award for the initiative "Talking to young children about food waste" implemented by the DELTA Information Center in kindergartens. DELTA strained yogurts also won 7 "Superior Taste" awards at the International Taste Institute ITI.
  • At the beginning of 2020, the results of the tender organized by FRAPORT at the end of 2019 were announced, according to which the Food Services sub-segment secured the continuation of its activity at the airports of Thessaloniki and Mykonos, while gaining presence with new points of sale and concepts at the airport of Santorini.
  • GOODY'S Burger House won the "Best Use of Technology" award, while EVEREST won the "Eco Friendly Franchise" award. EVEREST Bite Club, just a few months after its launch, received a total of 6 distinctions in equal categories for its innovative design and functionality.

3.3 Transportation

ATTICA group

  • On 09/06/2020 ATTICA group announced its triple awarding at LOYALTY AWARDS 2020 organized by Boussias Communications. In particular, ATTICA group was awarded with:
  • - Gold Award in the Best New Product / Service Loyalty Initiative category for Seasmiles Kiosks,
  • - Silver Award in the Best Short-Term Initiative category for Blue Star Ferries' #Thaksanartho campaign and the special offer -50% on passenger & vehicle tickets of Seasmiles Reward program members, as an action for a limited time, and
  • - Bronze Award in the category Best Use of Digital Onboarding, for the Seasmiles Kiosks and for the infotainment platform @sea.
  • On 10/06/2020 ATTICA group announced that through a special marking by the Bureau Veritas, under the title "SAFEGUARD", it was certified that in all vessels of ATTICA group special measures are taken and procedures are applied to address biological risks arising from COVID-19, in order to protect human health.

  • On 22/06/2020 ATTICA group announced its awarding in the Tourism Awards 2020 organized by Boussias Communications. In particular, ATTICA group received the following awards:

  • Platinum Award in the "Innovation" category for the "E-Ticket / Boarding Pass",
  • Gold Award in the "Travel" category for "On Board Infotainment Platform @sea",
  • Gold Award in the "Strategy" category for the "First Aid" Program of Blue Star Ferries,
  • Gold Award in the "Digital Tourism" category for the Online strategy of Blue Star Ferries,
  • Silver Award in the "Travel" category for the "Seasmiles" Reward Program,

  • Bronze Award in the category "Strategy" for the cooperation with the Non-Profit Organizations

"HopeGenesis", "Voluntary Crisis Rescue Team" & "Metadrasi",

  • Bronze Award in the "Strategy" category for the "Hotel & Ferry" Program in Samos, Leros, Chios, Kos and Mytilene.

3.4 Financial Services

MARFIN INVESTMENT GROUP

On 19/05/2020 the Company announced that it is considering expressions of interest for the acquisition of its participation in the company SINGULARLOGIC. In this context, it hired "Euroxx Securities SA" as its Financial Advisor.

4. SIGNIFICANT POST REPORTING PERIOD EVENTS

4.1 Food and Dairy

VIVARTIA group

  • DELTA won 7 awards at the Super Market Awards 2020, one of which was awarded as the Top Food Supplier and received 3 gold and 3 silver awards for initiatives in generating new products and new packaging (Milko Protein, Life juice), the successful re-launches (Vitaline, Life juice), the corporate campaign "For everything that is worthwhile", but also the corporate responsibility, with the program of long-term support in the SOS Children's Villages.
  • BARBA STATHIS group was distinguished with a gold award in the Suppliers' Best Brand Launch Strategy category at the Retail Awards for the product of the Golden Dough "Chorefti". "Chorefti" pie also won a gold award at the Super Market Awards in the "Successful Product Series Introduction" category. It is worth mentioning that in the same event, the company BARBA STATHIS was also distinguished with a gold award for the educational program provided to its partner producers in collaboration with the American School of Agriculture in the category "Optimal Utilization of Greek Agricultural Production & Tradition".
  • At the Retail Business Awards, GOODY'S Burger House won a Silver Award in the OMNI RETAILER - CATERING category as well as in the CSR RETAIL STRATEGY category for ArGOODaki.

4.2 Transportation

ATTICA group

On 07/07/2020 and 28/07/2020, ATTICA group announced that it has completed the installation of scrubbers on BLUE STAR PATMOS and SUPERFAST XI, respectively, and the relevant certifications the relevant certification was issued by the authorized monitoring Vessel Classification Society.

  • On 17/07/2020, ATTICA group announced its certification according to the international standard ISO 27001: 2013 for the Information Security Management System applied by ATTICA group. The certification was obtained from BM TRADA, an accredited Inspection and Certification Agency by the UK certification body UKAS.
  • On 18/08/2020, ATTICA group announced receiving the award for the "First Aid" Program of BLUE STAR FERRIES, which took place at the 7th award ceremony of the "Corporate Affairs Excellence Awards 2020 (CAEA)". The program "First Aid" was distinguished in the category "Action / Low Budget Program (Low Budget)".

4.3 Financial Services

MARFIN INVESTMENT GROUP

  • The Regular General Meeting of the Company's Shareholders, held on 04/09/2020 upon postponement, decided inter alia, to proceed to the partial offset of the Company's share premium reserve by € 3.9 billion for writing off equal losses of previous years, pursuant to article 35 para. 3 of L. 4548/2018, as amended by article 49 para. 4 of L. 4587/2018.
  • On 17/09/2020, the Company received a binding offer from the investment funds of "CVC CAPITAL PARTNERS" ("CVC") for the sale of its entire stake in "VIVARTIA HOLDINGS S.A." ("VIVARTIA"). The offer is subject to the usual terms and conditions for transactions of such kind (final approval by CVC's competent corporate bodies, agreement as to the specific terms of the share purchase agreement). MIG's Board of Directors decided to grant to CVC an exclusivity period for the negotiations and the completion of the agreement until 06/11/2020 (inclusive). The terms of a potential agreement between CVC and MIG, including the acquisitions consideration, are negotiable. The Board of Directors will decide on accepting the results of the negotiation once it has obtained the opinion of specialized global-class financial consultants, who will have assessed fairness and equitability of the consideration as well as the other terms of the transaction. Any agreement will be subject to approval of the Company's Shareholders.

5. PROSPECTS-BUSINESS DEVELOPMENTS IN THE SECOND HALF OF THE CURRENT FY

The year 2020 started with favourable prospects for the Greek economy, as the expectations of international companies for the course of key economic indicators were particularly encouraging. However, the outbreak of the COVID-19 pandemic has put the global economy to the test, with the extent and duration of the phenomenon not being possible to accurately report currently. Regarding MIG group, the evolution of the pandemic is expected to play a particularly significant role, with special emphasis on the degree of restoration of the tourism as well as all business activities that are directly and indirectly connected with the tourism and catering segments.

In this context, the main objective for 2020 is the stabilization of business activity due to the uncertainty created by the pandemic, and the estimated by all competent bodies recession of 7% - 10% in GDP. At the same time, the Management continues to have as its primary objectives leading the Group safely through the risks created by the pandemic and achieving financial balance in the operation of the Company either by refinancing its loan obligations and/or repaying them through assets disposal. At this stage, the Management has already succeeded in postponing the repayment of loan obligations amounting to € 253.8 m, payable on 30/06/2020, until 31/12/2020.

Based on the aforementioned priorities, every Group operational segment has set the main objectives for 2020, as mentioned below.

5.1 Food and Dairy

VIVARTIA group

The outbreak of the COVID-19 virus pandemic in combination with travel restrictive measures and the estimated reduction in tourism (decrease in arrivals by approximately 75% -80% compared to last year) have generated a strong climate of economic uncertainty, which adversely affects the activity of VIVARTIA group.

In particular, during the period of July and August, due to the aforementioned decrease in tourism, the final decrease in turnover in Food sub-segment stood at 40%, arising mainly from the closed markets (airports, vessels, malls).

The above factors caused a general reduction of consumer spending in the country, therefore in the other two sub-segments of VIVARTIA, a small reduction is expected in the consumption of seasonal products as well as HORECA products.

The Management of VIVARTIA group constantly evaluates the new, unprecedented and flexible market conditions that are formed in order to address them and achieve uninterrupted and orderly operation of VIVARTIA group.

5.2 Transportation

ATTICA group

The COVID-19 coronavirus pandemic has had a significant impact on passenger shipping and, therefore, on ATTICA group operations. In particular, during the two months of July - August 2020, a period when the transport traffic traditionally peaks, there was a reduction of the traffic volume by 42.8% in passengers, 28.3% in vehicles and 18.0% in freight units, compared to the same period last year. In addition, the spread of the pandemic and the outbreak of confirmed cases in the current period acts as a deterrent to movement of passengers and vehicles and is expected to further reduce ATTICA group traffic volume in the coming months, compared to the same period last year. The management of ATTICA group evaluates on an ongoing basis any new data that could affect its operations and plans actions to optimize the performance of the Group on the basis of the observable data.

5.3. Private Equity (Entertainment, Real Estate and others)

RKB

The year 2020 started with positive prospects for RKB with its sales in the first two months recording an upward trend compared to the previous year. The course was interrupted in mid-March, when the Serbian government enforced quarantine measures due to the pandemic, including the closure of retail shops from late March to the first days of May. The temporary closure of commercial stores in combination with the restrictive measures imposed on travel and the general daily life of citizens adversely affected the profitability of RKB, leading to lower-than-initially expected results. The company is focusing on the period remaining until the end of the year in the implementation of policies aimed at maintaining existing leases, achieving high rates of rental collectability and reducing costs. RKB's constant pursuit is always to generate a stable and strong customer base, increase the occupancy of the commercial stores, increase its performance, improve the financial structure and facilitate ongoing development of the company's operations.

6. RISKS AND UNCERTAINTY FACTORS IN THE SECOND 6-MONTH PERIOD OF THE CURRENT FY

The risks and uncertainty factors to which the Group and the Company are exposed are analyzed as follows:

6.1 Risk Management Objective and Policies

Τhe Company and the Group are exposed to risks pertaining to financing, interest rates, market, fuel prices, liquidity, credit and currencies. The Group reviews and periodically assesses its exposure to the risks cited above on a case by case basis as well as collectively and uses financial instruments to hedge its exposure to certain risk categories.

Evaluation and assessment of the risks faced by the Company and the Group are conducted by the Management. The main aim is to monitor and assess all the risks to which the Company and Group are exposed through their business and investment activities.

The Group uses several financial instruments or pursues specialized strategies to limit its exposure to changes in the values of investments that may result from market volatility, including changes in prevailing interest rates and currency exchange rates.

6.2 Currency Risk

The Group's functional currency is the Euro. The Group operates in foreign countries and therefore is exposed to currency risk. This type of risk mainly arises from current or future cash flows in foreign currency and from investments outside the Eurozone. The largest percentage of MIG's and the Group's revenue and costs are Euro denominated. Likewise, the largest percentage of the Company's investments is denominated in Euro.

The Group holds foreign investments whose net assets are exposed to FX risk. FX risk stems from the exchange rates to the USD and other currencies of European countries where the subsidiaries of the Group operates.

On 30/06/2020, out of the Group's total assets and liabilities, € 11.5 m and € 6.0 m respectively were held in foreign currency. A change in exchange rates by +/-10% would result in an amount of € +/- € 0.04 m recognized before tax in the Income Statement and an amount of € -/+ € 0.04 m recognized in equity.

6.3 Financing, Interest rate, Market and Fuel Price Risk

Changes in interest rates can affect the Group's net income by increasing the costs of servicing debt used to finance the Group. Changes in the interest rates can also affect, amongst others: (a) the cost and availability of debt financing along with the Company's ability to achieve attractive rates of return on its investments; and (b) the debt financing capability of the investments and of the businesses in which the Group invests.

Bank debt constitutes one of the funding sources of the Group's investments. The Group's borrowing rate usually consists of a fixed margin plus a floating rate (EURIBOR), which depends directly on the amount and changes in interest rates. This fact exposes the Group to cash flow risk. The Group's policy is to constantly monitor interest rate trends as well as the duration of its financial needs. Thus, decisions about the duration along with the relationship between fixed and floating rate of a new loan, are taken separately for each case.

On 30/06/2020, assets and liabilities amounting to € 114.9 m and € 1,445.4 m respectively were exposed to interest rate risk. A change of interest rates by +/- 1% would result in -/+ € 9.4 m recognized in the Consolidated Income Statement and Equity.

The risk of the Group and the Company with respect to the financial instruments at fair value through profit or loss or other comprehensive income arises from potential adverse changes in the market prices of shares and other securities. On 30/06/2020, the assets exposed to market risk amounted to € 1.0 m for the Group and € 0 for the Company respectively. A fluctuation of +/- 30% in investments whose valuation gains or losses are recognized in other comprehensive income and cumulatively in equity, would lead to a change of +/- € 0.01 m for the Group.

The Group companies, operating in the Transportation segment, are significantly affected by fuel price fluctuations, since it constitutes one of their main operating costs. An increase or decrease in fuel prices by 10% for a six-month period would affect ATTICA group's results and equity by approximately -/+ € 4.4 m.

6.4 Credit Risk

Credit risk is the potentially delayed payment to the Group and the Company of its current and future receivables by its counterparties.

Aiming at minimizing credit risk and bad debts, the Group has adopted efficient monitoring procedures and policies per counterparty based on the counterparty's credibility.

  • The Group evaluates on a continuous basis and applying strict criteria the credit risk arising from trade and other receivables in accordance with established policies and procedures and recognizes the appropriate provision for impairment. As of 30/06/2020, there is no significant concentration of credit risk in trade and other receivables, for which insufficient provisions for impairment have not been made.
  • The Group performs transactions only with recognized financial institution of adequate credit rating in order to minimize the credit risk in its cash available and cash equivalents.

6.5 Liquidity Risk

Prudent liquidity risk management implies cash adequacy as well as the existence and availability of necessary funding sources. The Group is managing its liquidity requirements on a daily basis through systematic monitoring its short and long-term financial liabilities and through daily monitoring of the payments made. Furthermore, the Group constantly monitors the maturity of its receivables and payables, in order to maintain a balance between capital continuity and flexibility via its bank credit worthiness.

Maturity of financial liabilities as at 30/06/2020 and 31/12/2019 for the Group and the Company is analyzed as follows:

THE GROUP
30/06/2020 31/12/2019
Amounts in € '000 Short-term Long-term Short-term Long-term
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Within 6
months
6 to 12
months
1 to 5
years
More than
5 years
Long-term borrowing 306,588 7,720 1,055,678 - 311,471 9,757 1,075,074 1,688
Lease liabilities 6,070 5,617 31,507 19,738 6,426 6,399 34,307 21,229
Trade payables 123,112 50 - - 126,597 4,845 - -
Other short-term-long-term
liabilities
182,971 813 5,018 19 143,225 6,876 5,877 30
Short-term borrowing 74,309 1,128 - - 51,781 28,936 - -
Derivative financial instruments 18,628 - - - - - - -
Total 711,678 15,328 1,092,203 19,757 639,500 56,813 1,115,258 22,947
THE COMPANY
30/06/2020 31/12/2019
Amounts in € '000 Short-term Long-term Short-term Long-term
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Long-term borrowing 228,750 - 295,105 - 228,750 - 295,105 -
Lease liabilities 77 85 538 - 21 76 623 -
Other short-term-long-term liabilities 42,097 - 1,579 - 28,661 - 2,277 -
Short-term borrowing 27,120 - - - 26,320 - - -
Total 298,044 85 297,222 - 283,752 76 298,005 -

As presented in the table above, the total debt of the Group on 30/06/2020 amounted to € 1,508,355k with an amount of € 1,106,923k pertaining to long-term debt (of which long-term lease liabilities stand at € 51,245k) and an amount of € 401,432k pertaining to short-term debt (of which short-term lease liabilities stand at € 11,687k). Respectively, the total debt of the Company on 30/06/2020 amounted to € 551,675k with an amount of € 295,643k relating to long-term debt (of which long-term lease liabilities stand at € 538k) and an amount of € 256,032k relating to short-term debt (of which short-term lease liabilities stand at € 162k).

On 30/06/2020, the Group and the Company had negative working capital, since current liabilities exceeded current assets by € 308,600k and € 295,200k respectively. This issue will be resolved following the successful completion of the restructuring of the Group companies' debt (see notes 3.1 and 20).

6.6 Accidents Risk

Due to the nature of their operations, the Group's companies are subject to the abovementioned risk that may negatively affect the Group's results, customers and/or operations. ATTICA group vessels are insured for hull and machinery, for increased value and against war risks. VIVARTIA group companies are covered by a wide range of insurance policies that include civil liability, property, transportation, environmental liability in such a way that any risk and potential damage can be effectively and reliably addressed.

6.7 COVID-19 pandemic

On January 30, 2020, the World Health Organization (WHO) declared the outbreak of the COVID-19 virus an "extraordinary event which is determined to constitute a public health risk" and in March 2020 the WHO declared COVID-19 as pandemic. The outbreak of the COVID-19 pandemic, combined with the restrictive measures taken to address it, such as, indicatively, lockdown, restriction on passenger traffic, temporary suspension of stores operation until mid-May, etc., had an adverse impact on global economic activity of the Group, especially in respect of Transportation and the sub-sector of Food Services of Food and Dairy, affecting its sales and operating profitability during the sixmonth period 01/01-30/06/2020.

Determining the term and extent of the economic impact of the pandemic on financial performance, position and liquidity of the Group for the following period involves significant uncertainty, as it depends on a number of factors, such as the extent of relapse of the pandemic, widespread use of the vaccine to address it, the degree and extent of new restrictive measures that may be taken by the State in conjunction with the state support measures to the affected companies and the degree of recovery of tourism.

The Group's Management, as well as the managements of separate operating segments, evaluating all the new data on an ongoing basis, have already taken and go on taking measures to limit the impact

of the pandemic on operations, financial performance and position of the operating segments, with the ultimate objective of ensuring their sound operation and development.

Human resources protection measures

In order to protect the health and the safety of employees and their families, associates and customers, a series of were implemented including as follows, among others:

- Systematic provision of information on the ways of prevention and protection of employees and their families, following the instructions of EODY, especially with regard to vulnerable groups.

- Procedure for dealing with and monitoring cases of sudden illness or symptoms of respiratory infection of employees, members of their family or their immediate environment as well as employees who have returned from a trip abroad.

- Occasional granting of special purpose leaves and implementation of flexible form of work teleworking for the majority of administrative staff.

- Regular disinfection of buildings and disposal of personal protective equipment in the facilities of the Group's companies.

- Limiting visits by external partners and visitors and all the domestic and foreign business trips.

All the above are measures, taken by the Management of the Group as well as the managements of the separate operating sectors within the previous months, which will continue to apply depending on the needs that will arise and the conditions that will be formed.

In addition to the aforementioned, specialized measures were taken by the Group's operating segments as analyzed below.

Food and Dairy

Specific measures, taken and still being implemented on a case-by-case basis concerning the "Food and Dairy" operational sector are related to the production units and include rescheduling of work shifts and transfer of staff to and from work. Regarding restaurants, care was taken to place acrylic glass in store cash registers, use of mask and gloves, observation of safe distance rules between both employees and customers, and regular use of disinfectant solutions, while the effects on the operation of stores were minimized and the best possible level of service to the clients was offered.

Transportation

The crews of ATTICA group vessels are fully trained in hygiene issues, they have received specialized instructions of the authorities for the necessary precautionary measures from COVID-19, while at the same time they are fully informed about any suspicious case at sea in cooperation with the competent authorities. The vessels have the appropriate equipment (masks, gloves, special kit), while special cabins have been provided to every vessel to address and limit any individual incident, in order to ensure the health of passengers and crew. All vessels are equipped with an antiseptic solution for the personal hygiene of passengers and staff. The cleaning procedures of the air conditioning units, the cabins, as well as the common areas of the vessels have been intensified and certified services of external collaborators regularly carry out disinfections on the vessels. In addition, during the trip, passengers are constantly informed about the observance of the rules of prevention, through informative messages displayed on the vessels' screens. Also, the crews make frequent announcements and recommendations, in order to maintain the necessary distances between the passengers during their stay in one of the lounges, the bars or on decks and to avoid overcrowding during their disembarkation from the vessel.

Effect on financial position

The effects of the pandemic on every operating segment are analyzed as follows:

Food and Dairy

During the six-month period 01/01-30/06/2020, the Food and Dairy segment demonstrated a decrease in sales and operating profitability by 10% and 15% respectively in relation to the corresponding comparative period. These changes have arisen from the Food Services sub-sector, which faced significant challenges due to the conditions created by the outbreak of the COVID-19 pandemic as well as the measures taken to address it. In particular, the mandatory suspension of operation of the stores of the Food Services sub-sector in May, in combination with the restrictive measures on transportation and the decline in tourism volumes led to a decrease in sales of approximately 40% compared to the corresponding comparative period of 2019, while the sub-sector's operational profitability was adversely affected to a significant extent.

The existence of uncertainty regarding the future spread of the pandemic in line with the contingent measures to be taken in order to address it make it difficult to make a safe estimate about the course of sales. Key factors such as consumer purchasing power, restaurants operational regulations, the course of tourism as well as the establishment of a drug/vaccine that will effectively treat COVID-19 will play a significant role in the development of the course of sales. Nevertheless, the management of the group considers that its initial projection for a reduction of sales of the Food Services subsector by 30% -40% for FY 2020 compared to 2019 adequately reflects the best estimates based on the data available so far. At the same time, EBITDA of the Food and Dairy segment for FY 2020 is expected to present a decrease compared to FY 2019, due to the particularly significant decrease in EBITDA of the Food Services sub-segment, whose exact amount will be determined according to the course of operations, mainly related to travel business (airports, vessels, Motorists Service Stations ) and the size and scope of state support measures in Catering to be taken in the following months.

In the context of limiting the effects on sales, the management of the "Food and Dairy" operating segment was and remains vigilant in order to immediately adapt the operation of companies to the new conditions, starting from the supply chain to the final stage of customer service. In particular, regarding the Food Services sub-sector, the management takes all possible measures to take advantage of the new consumer trends and market regulations. Indicatively, strengthening the delivery service, the use of new technology for further development of e-ordering with the aim of improving the consuming experience of the consumer, the optimal use of outdoor spaces, as well as participation in mass catering tenders (school meals, vulnerable groups, etc.).

At the level of operational profitability for the "Food and Dairy" operational segment, measures were applied to reduce operating costs (advertising costs, management, slowing down investment plans, etc.), which are adjusted based on new developments and market data. Furthermore, for the Food Services sub-segment, which is hit to a higher degree due to the pandemic, the support measures established by the State (40% rent discount for the months of suspension of catering stores, inclusion of staff in suspension, use of Syn-ergasia program) have been used, while at the same time the management is renegotiating all the basic operating contracts in order to adapt the basic terms to the current conditions.

Transportation

During the first half of 2020, restrictions imposed on movement of passengers and vehicles and the reduced passenger protocol for vessels from the end of May onwards, led to a significant reduction in the Transportation segment, reflected both - in the reduced turnover for the six-month period 01/01-30/06/2020, standing at € 117 m as compared to € 164 m in the corresponding comparative half-year period, and in the operational profitability of the Transportation segment, as EBITDA stood at € 1.9 m versus € 15.5 m in the first half of 2019.

Despite destabilization of fuel prices, the reduction in fuel purchase costs is largely offset by the petroleum products rusk hedging contracts, signed by the Transportation segment prior to the significant fall in fuel prices.

The decrease in traffic volume for two months July-August 2020 is equivalent to a reduction of the turnover of the segment by € 37.7 m or 30.5% compared to the corresponding period last year. In respect of the following months of 2020, taking into account the observed gradual increase in cases, a decrease in traffic volume is also expected, as compared to the corresponding period last year.

The management of the Transportation segment constantly assesses every new information with regards to the evolution of the pandemic, the relevant decisions, made by the Authorities and adjusts – at regular intervals – the vessels routes mainly caring about protecting ATTICA Group's financial position and rendering the best possible service to its customers and local communities. In the context of monitoring the traffic volume, on-going estimates are made in respect of the course of the group's development, which confirm the initial estimates of the management, and lead to a reduction of the turnover of the Transportation segment 2020 by an estimated range from 30% to 40% in relation to the fiscal year 2019.

Private Equity

In the same context, Private Equity operating segment, represented by RKB, is faced with the adverse effects of the pandemic as any restrictive measures may affect the operation of its commercial stores. Serbia was faced with the danger of COVID-19 spread in the middle of March. State of emergency was declared and the government urgently took quarantine measures, suspending the operation of shopping centers since March 21st, allowing only banks, supermarkets and pharmacies to operate. The Serbian government reopened the shopping malls on May 5th under restrictive terms. Regarding the impact of the pandemic on the financial performance of the subsidiary RKB, sales recorded a decrease of -15% compared to the first half of 2019, while EBITDA amounted to € 0.8 m compared to € 1.7 m in the corresponding comparative period. Annual sales are expected to decrease by 15% compared to 2019. To this end, the management of RKB, in the period remaining until the end of the year, will focus on maintaining the existing leases, while strengthening the rental collecting rate mechanisms. Moreover, it will seek to streamline its expenses and prepare for the return of the market back to normal.

Effect on liquidity and financial position

On 30/06/2020, due to the negative impact of the pandemic on the economy and consequently on the financial performance of the Group, the Management carried out an impairment test on the assets of the Group, the results of which are analyzed in Notes 10,11, 12 and 27.Furthermore, the course of the pandemic gives rise to a risk that MIG Group assets, i.e. recognized goodwill, intangible assets, investment property and/or fixed assets as well as investments in subsidiaries in the separate financial statements, will be valued at lower values in the coming periods and, consequently, impairments will arise that will burden the income statement and the financial position of the Group and the Company.

Regarding the Company's loan liabilities, the terms in place are related to compliance with financial ratios. The Management is constantly monitoring this compliance in order to timely address the relative request to the creditor bank and obtain its consent regarding the compliance obligations if and when deemed necessary.

In order to minimize its exposure to credit risks and uncertainties, the Group has created the appropriate infrastructure and has established monitoring procedures per counterparty based on their credit ratings. However, the spread of the pandemic creates new conditions and requires vigilance to effectively handle potentially arising cases of payment inability or post-date receivables.

The effects of the pandemic on liquidity and financial position per operating segment are as follows:

Food and Dairy

According to the basic scenario of the course of the pandemic and its effects on the market and economy, VIVARTIA group management examines the plans of addressing liquidity issues, arising from the operations of all sub-sectors, in particular – Catering. Regarding the Dairy and Frozen Food sub-sectors, the measures that have been taken focus on reducing operating costs, redesigning investment plans in conjunction with daily credit risk assessment of clients and potential use of liquidity identification tools provided by the financial system (factoring lines, etc.).

On the contrary, significant decrease in sales and – consequently – in EBITDA of the Food Services sub-sector versus 2019 is estimated to generate significant additional cash needs, regarding which the management - in addition to the aforementioned measures - is taking additional actions, such as, indicatively, as follows:

  • Obligations to suppliers and lessors: In respect of the obligations to suppliers and lessors, for whom the contractual repayment dates expired during the health crisis period given the mandatory suspension of operations, the Food Services sub-sector management is in on-going process of negotiating the settlement of the relative issues.
  • Amounts due to the State: Making use of state regulations for outstanding payments related to employers' contributions and taxes (VAT, Payroll Tax) effective during the aforementioned period.
  • Borrowings and other loan liabilities: Negotiations with the banks in order to find the optimal solution regarding settlement of the borrowings (capital installments and/or interest) regarding the Food Services sub-sector, as well as to facilitate obtaining new credit lines in order to meet the working capital needs. In addition, regarding the other obligations of the Food Services subsector arising from its loan agreements (compliance with financial rations, etc.), the Management is negotiating obtaining the primary consent of the creditor banks.
  • Investment plan: The Food Services sub-sector management has directly redesigned its investment plan for 2020, significantly reducing the initially projected cash outflows.

In view of the long-lasting cooperation of the Food Services sub-sector with its suppliers, lessors and creditor banks and in line with the State support provided to the companies, whose operations have been adversely affected by the pandemic, VIVARTIA group management estimates that the actions, listed above, will successfully address the additional cash needs created due to the pandemic and will ensure VIVARTIA group ability to continue as a going concern.

Transportation

Taking into account the current conditions, uncertainty and rapidly changing environment, ATTICA group management aims to maximize the group's liquidity. The Group safeguards its cash flows, making efforts to maintain adequate working capital and identifying areas of cost savings, as recorded below regarding the management's actions. In particular, the Group continues to implement measures to reduce its operating costs in order to further strengthen its financial position, which can be summarized as follows:

  • Decreasing all the operating expenses of ATTICA group.
  • Making use of all the support measures (short-term and long-term) announced by the State for the affected companies in order to ensure sufficient liquidity. In particular, within the framework of the measures announced by the State, ATTICA a) postponed the payment of tax

and insurance obligations as defined in the State decisions, and b) agreed with the Greek lending banks to transfer capital loan payments to the future periods.

  • Actions are taken to further enhance ATTICA's liquidity. In particular, ATTICA a) signed an agreement on working capital loan with a credit institution amounting to € 20 m, b) signed a factoring agreement of € 15 m, c) received from the State return prepayment of € 1.8 m (within the period 01/01/2020-30/08/2020), d) extended the time of settling obligations to suppliers, e) postponed supplies that are not absolutely necessary as well as payments that can be extended.

Private Equity

The management of RKB, in the period remaining until the year end, will focus on maintaining the existing rentals, while, at the same time, improving the mechanisms of increasing the rentals collectability rate. In addition, it will seek to optimize its costs and prepare for the return of the market back to normal. Based on this plan, the management of RKB does not expect to face significant liquidity issues.

7. TRANSACTIONS WITH RELATED PARTIES

All transactions with related parties are performed on an arm's length basis. Please refer to Note 30 to the Financial Statements for details of these transactions.

Athens, 30 September 2020

On behalf of the Board of Directors

Panagiotis Throuvalas The Chairman of the BoD

Athanasios Papanikolaou The Chief Executive Officer

D. INTERIM CONDENSED SEPARATE AND CONSOLIDATED FINANCIAL STATEMENTS FOR THE PERIOD ENDED JUNE 30th 2020

According to International Financial Reporting Standards as adopted by the European Union and, in particular, in compliance with IAS 34

(amounts in € thousand unless otherwise mentioned)

The attached 6-month condensed Group and Company Financial Statements were approved by the BoD of MARFIN INVESTMENT GROUP HOLDINGS S.A. on 30/09/2020 and have been published on the Company's website www.marfininvestmentgroup.com as well as on the ASE website.

I. INTERIM CONDENSED FINANCIAL STATEMENTS FOR THE SIX-MONTH PERIOD ENDED 30/06/2020

CONSOLIDATED CONDENSED INCOME STATEMENT (01/01-30/06/2020)

THE GROUP
Amounts in € '000 Note 01/01-30/06/2020 01/01-30/06/2019
Sales 25 380,024 453,013
Cost of sales 26 (307,186) (348,919)
Gross profit 72,838 104,094
Administrative expenses 26 (38,138) (40,550)
Distribution expenses 26 (69,668) (78,727)
Other operating income 8,929 9,244
Other operating expenses (569) (717)
Operating profit/(loss) (26,608) (6,656)
Other financial results 27 (33,776) (2,629)
Financial expenses (31,093) (31,005)
Financial income 114 41
Share in net gains/(losses) of companies accounted for by the equity method 613 (28)
Losses before tax from continuing operations (90,750) (40,277)
Income tax 1,515 541
Losses after tax for the year from continuing operations (89,235) (39,736)
Gains/(Losses) for the year from discontinued operations 7 (8,525) 3,766
Gains/(Losses) after tax for the period (97,760) (35,970)
Attributable to:
Owners of the parent (85,934) (33,798)
- from continuing operations (77,459) (37,545)
- from discontinued operations (8,475) 3,747
Non-controlling interests (11,826) (2,172)
- from continuing operations (11,776) (2,191)
- from discontinued operations (50) 19
Gains/(Losses) per share (€ / share) :
Basic gains/(losses) per share 28 (0.0914) (0.0360)
- Basic gains/(losses) per share from continuing operations (0.0824) (0.0400)
- Basic gains/(losses) per share from discontinued operations (0.0090) 0.0040
Diluted gains/(losses) per share 28 (0.0191) (0.0067)
- Diluted gains/(losses) per share from continuing operations (0.0171) (0.0076)
- Diluted gains/(losses) per share from discontinued operations (0.0020) 0.0009

The accompanying notes form an integral part of these condensed interim six month financial statements

Note:

The items in the consolidated Income Statement for the comparative six-month period ended as at 30/06/2019 have been readjusted in order to include only the continuing operations. The results of the discontinued operations are discreetly presented and analyzed in separate note (see note 7), as in compliance with the requirements of IFRS 5 "Non-current Assets Held for Sale and Discontinued Operations".

SEPARATE CONDENSED INCOME STATEMENT (01/01-30/06/2020)

THE COMPANY
Amounts in € '000 Note 01/01-30/06/2020 01/01-30/06/2019
Income/(Expenses) from investments in subsidiaries & other financial assets 27 (178,644) 3,931
Income/(Expenses) from financial assets at fair value through profit or loss 27 (1) (1)
Other income 2 -
Total Operating income/(expenses) (178,643) 3,930
Fees and other expenses to third parties 26 (800) (1,049)
Wages, salaries and social security costs 26 (1,966) (2,820)
Depreciation and amortization (170) (232)
Other operating expenses 26 (919) (1,106)
Total operating expenses (3,855) (5,207)
Financial income 168 167
Financial expenses (12,031) (11,470)
Losses before tax for the period (194,361) (12,580)
Income tax - -
Losses after tax for the period (194,361) (12,580)
Gains/(Losses) per share (€ / share) :
- Basic 28 (0.2069) (0.0134)
- Diluted 28 (0.0448) (0.0017)

CONSOLIDATED AND SEPARATE CONDENSED STATEMENT OF COMPREHENSIVE INCOME (01/01-30/06/2020)

THE GROUP THE COMPANY
Amounts in € '000 Note 01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Gains/(Losses) for the period (from continuing
and discontinued operations)
(97,760) (35,970) (194,361) (12,580)
Other comprehensive income:
Amounts that will not be reclassified in the
Income Statement in subsequent periods
- - - -
Amounts that may be reclassified in the
Income Statement in subsequent periods
Cash flow hedging :
- current period gains/(losses) (17,369) 6,697 - -
- reclassification to profit or loss for the period (1,089) 4,854 - -
Exchange differences on translating foreign
operations
Share of other comprehensive income of equity
accounted investments :
(44) (1) - -
- current period gains/(losses) 13 (5) - -
(18,489) 11,545 - -
Other comprehensive income for the period
after tax
29 (18,489) 11,545 - -
Total comprehensive income for the period
after tax
(116,249) (24,425) (194,361) (12,580)
Attributable to:
Owners of the parent (100,614) (24,634)
Non-controlling interests (15,635) 209

The accompanying notes form an integral part of these condensed interim six month financial statements

Note:

The items in the consolidated Income Statement for the comparative six-month period ended as at 30/06/2019 have been readjusted in order to include only the continuing operations. The results of the discontinued operations are discreetly presented and analyzed in separate note (see note 7), as in compliance with the requirements of IFRS 5 "Non-current Assets Held for Sale and Discontinued Operations".

CONDENSED STATEMENT OF FINANCIAL POSITION AS OF 30/06/2020

THE GROUP THE COMPANY
Amounts in € '000 Note 30/06/2020 31/12/2019 30/06/2020 31/12/2019
ASSETS
Non-Current Assets
Tangible assets 991,849 991,506 570 636
Right-of-use assets 9 61,762 67,106 639 732
Goodwill 10 186,312 218,018 - -
Intangible assets
Investments in subsidiaries
11
12
205,195
-
237,124
-
36
610,997
40
774,635
Investments in associates 24,587 23,962 - -
Other financial assets 410 524 - -
Property investments 13 251,124 260,042 - -
Other non-current assets 14 4,710 5,146 166,194 180,616
Deferred tax asset 15 14,441 16,025 - -
Total 1,740,390 1,819,453 778,436 956,659
Current Assets
Inventories 60,248 64,965 - -
Trade and other receivables 16 183,644 175,238 - -
Other current assets 58,770 58,206 2,298 3,253
Other financial assets at fair value through P&L 36 42 - -
Derivative financial instruments 841 3,375 - -
Cash, cash equivalents & restricted cash 17 114,867 169,938 631 2,316
Total 418,406 471,764 2,929 5,569
Non-current assets classified as held for sale 7.3 73,707 - - -
Total Assets 2,232,503 2,291,217 781,365 962,228
EQUITY AND LIABILITIES
Equity
Share capital 18 281,853 281,853 281,853 281,853
Share premium 18 3,874,689 3,874,689 3,874,689 3,874,689
Fair value reserves 19 (13,236) 1,416 - -
Other reserves 19 32,914 32,954 32,948 32,948
Retained earnings (4,055,804) (3,969,882) (4,003,698) (3,809,337)
Equity attributable to οwners of the parent 120,416 221,030 185,792 380,153
Non-controlling interests 99,343 116,172 - -
Total Equity 219,759 337,202 185,792 380,153
Non-current liabilities
Deferred tax liability 15 80,125 87,202 - -
Accrued pension and retirement obligations 19,521 21,679 222 242
Government grants 6,216 6,574 - -
Long-term borrowings 20 1,055,678 1,076,762 295,105 295,105
Long-term lease liabilities 20 51,245 55,536 538 623
Non-Current Provisions 22 3,986 3,586 - -
Other long-term liabilities 5,037 5,907 1,579 2,277
Total 1,221,808 1,257,246 297,444 298,247
Current Liabilities
Trade and other payables 23 123,162 131,442 - -
Tax payable 2,243 676 - -
Short-term borrowings 20 389,745 401,945 255,870 255,070
Short-term lease liabilities 20 11,687 12,825 162 97
Derivative financial instruments 21 18,628 - - -
Current provisions 22 - 456 - -
Other current liabilities 24 181,541 149,425 42,097 28,661
Total
Liabilities directly associated with non-current assets classified as
727,006 696,769 298,129 283,828
held for sale 7.3 63,930 - - -
Total liabilities 2,012,744 1,954,015 595,573 582,075
Total Equity and Liabilities 2,232,503 2,291,217 781,365 962,228

CONSOLIDATED CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2020)

Amounts in € '000 Note Number of
Shares
Share
Capital
Share
Premium
Fair
Value
Reserve
Other
Reserves
Retained
earnings
Total Equity
attrib. to
Owners of the
Parent
Non
controlling
Interests
Total
Equity
Balance as of 01/01/2020 939,510,748 281,853 3,874,689 1,416 32,954 (3,969,882) 221,030 116,172 337,202
Dividends to non-controlling interests of
subsidiaries
- - - - - - - (1,194) (1,194)
Transactions with owners - - - - - - - (1,194) (1,194)
Profit/(Loss) for the period - - - - - (85,934) (85,934) (11,826) (97,760)
Other comprehensive income:
Cash flow hedges
- current period gains/(losses) - - - (13,788) - - (13,788) (3,581) (17,369)
- reclassification to profit or loss for the
period
- - - (864) - - (864) (225) (1,089)
Exchange differences on translation of
foreign operations
- - - - (40) - (40) (4) (44)
Share of other comprehensive income of
equity accounted investments
- current period gains/(losses) - - - - - 12 12 1 13
Other comprehensive income for the
period after tax
29 - - - (14,652) (40) 12 (14,680) (3,809) (18,489)
Total comprehensive income for the
period after tax
- - - (14,652) (40) (85,922) (100,614) (15,635) (116,249)
Balance as of 30/06/2020 939,510,748 281,853 3,874,689 (13,236) 32,914 (4,055,804) 120,416 99,343 219,759

CONSOLIDATED CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2019)

Amounts in € '000 Note Number of
Shares
Share
Capital
Share
Premium
Fair
Value
Reserve
Other
Reserves
Retained
earnings
Total Equity
attrib. to
Owners of the
Parent
Non
controlling
Interests
Total
Equity
Balance as of 01/01/2019 939,510,748 281,853 3,874,689 (10,034) 32,956 (3,950,646) 228,818 118,992 347,810
Adjustments due to the implementation
of IFRS 16
- - - - - 78 78 120 198
Balance as of 01/01/2019 939,510,748 281,853 3,874,689 (10,034) 32,956 (3,950,568) 228,896 119,112 348,008
Transfers between reserves and retained
earnings
- - - 798 - (798) - - -
Increase/(decrease) of non-controlling
interests in subsidiaries
- - - - - (80) (80) 80 -
Dividends to owners of non-controlling
interests of subsidiaries
- - - - - - - (1,249) (1,249)
Decrease in non-controlling interests
due to sale of subsidiaries
- - - - - - - (15,357) (15,357)
Share capital decrease by share capital
return to non-controlling interests
- - - - - - - (372) (372)
Transactions with owners - - - 798 - (878) (80) (16,898) (16,978)
Profit/(Loss) for the period - - - - - (33,798) (33,798) (2,172) (35,970)
Other comprehensive income:
Cash flow hedges
- current period gains/(losses) - - - 5,317 - - 5,317 1,380 6,697
- reclassification to profit or loss for the
period
- - - 3,853 - - 3,853 1,001 4,854
Exchange differences on translation of
foreign operations
- - - - (1) - (1) - (1)
Share of other comprehensive income of
equity accounted investments
- current period gains/(losses) - - - - - (5) (5) - (5)
Other comprehensive income for the
period after tax
29 - - - 9,170 (1) (5) 9,164 2,381 11,545
Total comprehensive income for the
period after tax
- - - 9,170 (1) (33,803) (24,634) 209 (24,425)
Balance as of 30/06/2019 939,510,748 281,853 3,874,689 (66) 32,955 (3,985,249) 204,182 102,423 306,605

SEPARATE CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2020)

Amounts in € '000 Number of
Shares
Share
Capital
Share
Premium
Other
Reserves
Retained
earnings
Total Equity
Balance as of 01/01/2020 939,510,748 281,853 3,874,689 32,948 (3,809,337) 380,153
Transactions with owners - - - - - -
Profit/(Loss) for the period - - - - (194,361) (194,361)
Other comprehensive income for the year after tax - - - - - -
Total comprehensive income for the year after tax - - - - (194,361) (194,361)
Balance as of 30/06/2020 939,510,748 281,853 3,874,689 32,948 (4,003,698) 185,792

The accompanying notes form an integral part of these condensed interim six month financial statements

SEPARATE CONDENSED STATEMENT OF CHANGES IN EQUITY (01/01-30/06/2019)

Amounts in € '000 Number of
Shares
Share
Capital
Share
Premium
Other
Reserves
Retained
earnings
Total Equity
Balance as of 01/01/2019 939,510,748 281,853 3,874,689 32,948 (3,779,062) 410,428
Transactions with owners - - - - - -
Profit/(Loss) for the period - - - - (12,580) (12,580)
Other comprehensive income for the period after tax - - - - - -
Total comprehensive income for the period after tax - - - - (12,580) (12,580)
Balance as of 30/06/2019 939,510,748 281,853 3,874,689 32,948 (3,791,642) 397,848

CONDENSED STATEMENT OF CASH FLOWS (01/01-30/06/2020) (CONSOLIDATED AND SEPARATE)

THE GROUP THE COMPANY
Amounts in € '000 01/01-
30/06/2020
01/01-
30/06/2019
01/01-
30/06/2020
01/01-
30/06/2019
Losses for the period before tax from continuing operations (90,750) (40,277) (194,361) (12,580)
Adjustments 106,067 74,531 190,656 7,585
Cash flows from operating activities before working capital changes 15,317 34,254 (3,705) (4,995)
Changes in working capital
(Increase) / Decrease in inventories 4,017 181 - -
(Increase)/Decrease in trade receivables (20,732) (34,338) (363) (340)
Increase / (Decrease) in liabilities 13,873 23,828 778 (733)
(2,842) (10,329) 415 (1,073)
Cash flows from operating activities 12,475 23,925 (3,290) (6,068)
Interest paid (14,718) (21,865) (52) (6,484)
Income tax paid (30) 134 - -
Net cash flows from operating activities from continuing operations (2,273) 2,194 (3,342) (12,552)
Net cash flows from operating activities of discontinued operations 1,902 3,547 - -
Net cash flows from operating activities (371) 5,741 (3,342) (12,552)
Cash flows from investing activities
Purchase of property, plant and equipment (38,437) (20,226) (7) (337)
Purchase of intangible assets (518) (1,731) - (38)
Purchase of investment property (547) (425) - -
Disposal of property, plant and equipment, intangible assets and investment
property
204 3,935 - -
Dividends received - 7 - -
Ιnvestments in financial assets at fair value through profit and loss - - 406 -
Investments in subsidiaries and associates 500 8,129 462 9,645
Investments in other financial assets 396 (8) - -
Interest received 147 90 35 60
Loans to related parties - - - (600)
Receivables from loans to related parties - - - 7,000
Net cash flow from investing activities from continuing operations (38,255) (10,229) 896 15,730
Net cash flow from investing activities of discontinued operations (1,153) 25,168 - -
Net cash flow from investing activities (39,408) 14,939 896 15,730
Cash flow from financing activities
Proceeds from borrowings 933 53,000 - -
Payments for borrowings (4,074) (56,132) - (2,100)
Payment of finance lease liabilities (5,263) (5,939) (39) (174)
Changes in ownership interests in existing subsidiaries (81) (272) - -
Dividends paid to non-controlling interests (2,271) (40) - -
Loans from related parties - - 800 -
Net cash flow from financing activities from continuing operations (10,756) (9,383) 761 (2,274)
Net cash flow from financing activities of discontinued operations (509) (28,551) - -
Net cash flow from financing activities (11,265) (37,934) 761 (2,274)
Net (decrease) / increase in cash, cash equivalents and restricted cash (51,044) (17,254) (1,685) 904
Cash, cash equivalents and restricted cash at the beginning of the period 169,938 123,589 2,316 3,114
Exchange differences in cash, cash equivalents and restricted cash from
continuing operations
(15) (73) - -
Net cash, cash equivalents and restricted cash at the end of the period 118,879 106,262 631 4,018

Profit adjustments are analysed as follows:

THE GROUP THE COMPANY
Amounts in € '000 01/01-
30/06/2020
01/01-
30/06/2019
01/01-
30/06/2020
01/01-
30/06/2019
Adjustments for:
Depreciation and amortization expense 42,894 40,604 170 232
Changes in pension obligations 416 503 6 11
Provisions and other non-cash (income)/expenses (445) 935 (27) (29)
Impairment of assets 21,200 4,046 178,644 -
Unrealized exchange (gains)/losses (6) 42 1 1
(Profit) loss on sale of property, plant and equipment, intangible assets and
investment property
(146) 148 - -
(Profit) / loss from fair value valuation of financial assets at fair value
through profit and loss
72 (49) - -
Share in net (profit) / loss of companies accounted for by the equity method (613) 28 - -
(Profit) / loss from sale of financial assets at fair value through profit and
loss
12,510 (1,312) - -
(Profit) / loss from disposal of a shareholding in subsidiaries/associates - - - (3,931)
Interest and similar income (114) (41) (168) (167)
Interest and similar expenses 31,013 30,885 12,030 11,468
Grants amortization (358) (449) - -
Income from reversal of prior year's provisions (356) (809) - -
Total 106,067 74,531 190,656 7,585

The accompanying notes form an integral part of these condensed interim six month financial statements

Note:

The items in the consolidated Income Statement for the comparative six-month period ended as at 30/06/2019 have been readjusted in order to include only the continuing operations. The results of the discontinued operations are discreetly presented and analyzed in separate note (see note 7), as in compliance with the requirements of IFRS 5 "Non-current Assets Held for Sale and Discontinued Operations".

Reconciliation of cash and cash equivalent in the Statement of Cash Flows with the corresponding items in the Statement of Financial Position is as follows:

30/06/2020 30/06/2019
Cash, cash equivalents and restricted cash of Financial Statements 114,867 106,262
Cash, cash equivalents and restricted cash of disposal groups classified as
held for sale
4,012 -
Total cash, cash equivalents and restricted cash at consolidated cash
flow statement
118,879 106,262

II. NOTES TO THE CONDENSED 6-MONTH INTERIM FINANCIAL STATEMENTS

1 GENERAL INFORMATION ON THE GROUP

The consolidated Group Financial Statements have been prepared in compliance with the International Financial Reporting Standards as issued by the International Accounting Standards Board and adopted by the European Union.

The Company "MARFIN INVESTMENT GROUP HOLDINGS S.A." under the discreet title "MARFIN INVESTMENT GROUP" ("MIG") is domiciled in Greece in the Municipality of Athens of Attica (El. Venizelou 10, 106 71). The Company's term of duration is 100 years starting from its establishment and can be extended following a resolution of the General Shareholders Meeting.

MIG operates as a holding societe anonyme according to Greek legislation and specifically according to the provisions of C.L. 4548/2018 on societe anonymes, as it stands. The Financial Statements are posted on the Company's website at www.marfininvestmentgroup.com.The Company's shares are listed in the Athens Stock Exchange. The Company's share forms part of the ASE General Index (Bloomber Ticker: MIG:GA, Reuters ticker: MRFr.AT, OASIS: MIG).

The main activity of the Group is its focus on buyouts and equity investments in Greece, Cyprus and throughout South-Eastern Europe. The Group's activity focuses on 5 operating sectors:

  • Food and Dairy (Vivartia),
  • Transportation (Mig Shipping, Attica),
  • IT and Telecommunications (Singularlogic*),
  • Financial Services (Marfin Investment Group, Mig Aviation Holdings, Marfin Capital, Mig Leisure, Tower Technology, Athenian Engineering), and
  • Private Equity (Mig Real Estate Serbia, RKB, Mig Media)
  • * SINGULARLOGIC results are presented in discontinued operations.

On June 30, 2020, the Group's headcount amounted to 7,493 (474 pertaining to discontinued operations), while on June 30, 2019, the Group's headcount amounted to 8,349 (566 pertaining to discontinued operations). On June 30, 2020 the Company's headcount amounted to 27, while on June 30, 2019, the Company's headcount amounted to 33.

MIG's companies, included in the consolidated Financial Statements, as well as their non-tax audited years are analysed in note 2 to the Financial Statements.

The attached Financial Statements as of June 30th, 2020 were approved by the Company's Board of Directors on September 30th, 2020 and are available to the investing public on the Company's website.

The Consolidated Financial Statements of MIG Group are consolidated under the equity method, in the Financial Statements of PIRAEUS BANK S.A., which is domiciled in Greece and whose holding in the Company amounts to 31.19% as of 30/06/2020.

2 GROUP STRUCTURE AND ACTIVITIES

2.1 Consolidated entities table as at 30/06/2020

The following table presents MIG's consolidated entities as at 30/06/2020, their domiciles, their principal activity, the Company's direct and indirect shareholdings, their consolidation method as well as their non-tax audited financial years.

Company Name Domicile Principal
activity
Direct
%
Indirect
%
Total % Consolidation
Method
Non-tax
Audited
Years (4)
MARFIN INVESTMENT GROUP
HOLDINGS S.A.
Greece Holding
company
Parent Company 2014-2019
MIG Subsidiaries
MARFIN CAPITAL S.A. BVI (3) Holding
company
100.00% - 100.00% Purchase
Method
- (1)
VIVARTIA HOLDINGS S.A. Greece Holding
company
92.08% - 92.08% Purchase
Method
2014-2019
MIG LEISURE LTD Cyprus Management
of investments
100.00% - 100.00% Purchase
Method
-
MIG SHIPPING S.A. BVI (3) Holding
company
100.00% - 100.00% Purchase
Method
- (1)
MIG REAL ESTATE (SERBIA) B.V. The
Netherlands
Management
of investments
IT systems and
100.00% - 100.00% Purchase
Method
-
SINGULARLOGIC S.A. Greece software
applications
98.99% 0.62% 99.61% Purchase
Method
2014-2019
ATHENIAN ENGINEERING S.A. Greece Aircraft
maintenance
and repairs
100.00% - 100.00% Purchase
Method
2014-2019
MIG AVIATION HOLDINGS LTD Cyprus Holding
company
100.00% - 100.00% Purchase
Method
-
TOWER TECHNOLOGY LTD Cyprus Holding
company
100.00% - 100.00% Purchase
Method
-
MIG MEDIA S.A. Greece Advertising
services
100.00% - 100.00% Purchase
Method
2014-2019
MIG SHIPPING S.A. Subsidiary
ATTICA HOLDINGS S.A. Greece Holding
company
10.30% 69.08% 79.38% Purchase
Method
2014-2019
MIG REAL ESTATE (SERBIA) B.V.
Subsidiary
JSC ROBNE KUCE BEOGRAD (RKB) Serbia Real estate
management
- 83.10% 83.10% Purchase
Method
-
MIG AVIATION HOLDINGS LTD
Subsidiaries
MIG AVIATION 1 LTD Cyprus Under
liquidation
- 100.00% 100.00% Purchase
Method
-
MIG AVIATION 2 LTD Cyprus Under
liquidation
- 100.00% 100.00% Purchase
Method
-
VIVARTIA GROUP
VIVARTIA HOLDINGS S.A. Subsidiaries
DELTA FOODS S.A. (former DESMOS
DEVELOPMENT S.A)
Greece Production &
distribution of
dairy products
- 92.08% 92.08% Purchase
Method
2014-2019
GOODY'S S.A. (former INVESTAL
RESTAURANTS S.A.)
Greece Holding
company
- 91.56% 91.56% Purchase
Method
2014-2019
BARBA STATHIS SINGLE MEMBER S.A.
(former CAFE ALKYONI S.A)
Greece Production &
distribution of
frozen foods
- 92.08% 92.08% Purchase
Method
2014-2019
EVEREST S.A. HOLDING & INVESTMENTS Greece Holding
company
- 92.08% 92.08% Purchase
Method
2014-2019
DELTA S.A. Subsidiaries
EUROFEED HELLAS S.A Greece Production &
distribution of
animal feed
- 92.08% 92.08% Purchase
Method
2014-2019
UNITED MILK COMPANY AD Bulgaria Holding
company
- 92.08% 92.08% Purchase
Method
-
GOODY'S S.A. (former INVESTAL
RESTAURANTS S.A.)
Greece Holding
company
- 0.45% 0.45% Purchase
Method
2014-2019
GOODY'S S.A. Subsidiaries
BALKAN RESTAURANTS S.A. Bulgaria Café-patisserie - 92.08% 92.08% Purchase
Method
-
Company Name Domicile Principal
activity
Direct
%
Indirect
%
Total % Consolidation
Method
Non-tax
Audited
Years (4)
HELLENIC CATERING S.A. Greece Food industry - 90.26% 90.26% Purchase
Method
2014-2019
HELLENIC FOOD INVESTMENTS S.A. Greece Holding
company
- 55.10% 55.10% Purchase
Method
2014-2019
EFKARPIA RESTAURANTS S.A. Greece Restaurants -
Café
patisseries
- 46.96% 46.96% Purchase
Method
2014-2019
EASTERN CRETE RESTAURANTS
PATISSERIES S.A.
Greece Restaurants -
Café
patisseries
- 55.25% 55.25% Purchase
Method
2014-2019
KAVALA RESTAURANTS S.A. Greece Restaurants -
Café
patisseries
- 46.96% 46.96% Purchase
Method
2014-2019
MALIAKOS RESTAURANTS S.A. Greece Restaurants -
Café
patisseries
- 46.96% 46.96% Purchase
Method
2014-2019
HARILAOU RESTAURANTS S.A. Greece Restaurants -
Café
patisseries
- 46.96% 46.96% Purchase
Method
2014-2019
VERIA CAFÉ - PATISSERIES S.A. Greece Café-patisserie - 89.61% 89.61% Purchase
Method
2014-2019
ARMA INVESTMENTS S.A. Greece Restaurants -
Café
patisseries
- 47.42% 47.42% Purchase
Method
2014-2019
ELLESTIA RESTAURANTS S.A. (former
PALLINI RESTAURANTS S.A.
Greece Restaurants -
Café
patisseries
- 90.36% 90.36% Purchase
Method
2014-2019
ALMIROU VOLOS RESTAURANTS
PATISSERIES TRADING COMPANIES S.A.
Greece Restaurants -
Café
patisseries
- 52.57% 52.57% Purchase
Method
2014-2019
HELLENIC FOOD INVESTMENTS S.A.
Subsidiary
CORINTHOS RESTAURANTS PATISSERIES
TRADING COMPANIES S.A.
Greece Restaurants -
Café
patisseries
- 39.30% 39.30% Purchase
Method
2014-2019
BARBA STATHIS SINGLE MEMBER S.A.
Subsidiaries
UNCLE STATHIS EOD Bulgaria Production and
distribution of
frozen
vegetables &
- 92.08% 92.08% Purchase
Method
-
ALESIS S.A. Greece food
Wholesale
standardized
confectionery
- 46.96% 46.96% Purchase
Method
2014-2019
M. ARABATZIS S.A. Greece Bakery &
Confectionery
products
- 45.12% 45.12% Purchase
Method
2014-2019
GOODY'S S.A. (former INVESTAL
RESTAURANTS S.A.)
Greece Holding
company
- 0.07% 0.07% Purchase
Method
2014-2019
EVEREST HOLDINGS & INVESTMENTS
S.A. Subsidiaries
OLYMPIC CATERING S.A. Greece Catering
services
- 64.46% 64.46% Purchase
Method
2014-2019
PASTERIA S.A. CATERING INVESTMENTS &
PARTICIPATIONS
Greece Holding
company
- 91.57% 91.57% Purchase
Method
2014-2019
TROFI S.A. Greece Beverage &
Fast food
services
- 73.66% 73.66% Purchase
Method
2014-2019
PERISTERI S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
KORIFI S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
DEKAEKSI S.A. Greece Beverage &
Fast food
services
- 56.17% 56.17% Purchase
Method
2014-2019
IMITTOU S.A. Greece Beverage &
Fast food
services
- 69.52% 69.52% Purchase
Method
2014-2019
KALLITHEA S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
PATISSIA S.A. Greece Beverage &
Fast food
services
- 64.46% 64.46% Purchase
Method
2014-2019
Company Name Domicile Principal
activity
Direct
%
Indirect
%
Total % Consolidation
Method
Non-tax
Audited
Years (4)
PLATEIA S.A. Greece Beverage &
Fast food
services
- 60.77% 60.77% Purchase
Method
2014-2019
EVERCAT S.A. Greece Knowhow and
education
services
- 92.08% 92.08% Purchase
Method
2014-2019
VARELAS S.A. Greece Beverage &
Fast food
services
- 92.08% 92.08% Purchase
Method
2014-2019
EVERFOOD S.A. Greece Beverage &
Fast food
services
- 92.08% 92.08% Purchase
Method
2014-2019
EVERHOLD LTD Cyprus Holding
company
Beverage &
- 92.08% 92.08% Purchase
Method
-
MAKRYGIANNI S.A. Greece Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
MAROUSSI S.A. Greece Beverage &
Fast food
services
- 65.38% 65.38% Purchase
Method
2014-2019
OLYMPUS PLAZA CATERING S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2015 &
2018-2019
MAGIC FOOD S.A. Greece Beverage &
Fast food
services
- 92.08% 92.08% Purchase
Method
2014-2019
FOOD CENTER S.A. Greece Beverage &
Fast food
services
- 62.78% 62.78% Purchase
Method
2014-2019
ACHARNON S.A. Greece Beverage &
Fast food
services
- 36.83% 36.83% Purchase
Method
2014-2019
OLYMPUS PLAZA S.A. Greece Restaurant
Café & Mini
market
- 78.34% 78.34% Purchase
Method
2014-2019
CHOLARGOS S.A. Greece Beverage &
Fast food
services
- 61.69% 61.69% Purchase
Method
2014-2019
P. FORTOTIRAS - E. KLAGOS & CO PL Greece Beverage &
Fast food
services
- 23.02% 23.02% Purchase
Method
2014-2019
VOULIPA S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
SYNERGASIA S.A. Greece Beverage &
Fast food
services
- 92.08% 92.08% Purchase
Method
2014-2019
GALATSI S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
EVERSTORY S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
KOMVOS GEFSEON S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
PHILADELFIOTIKI GONIA S.A. Greece Beverage &
Fast food
services
- 46.96% 46.96% Purchase
Method
2014-2019
PLAZA S.A. Greece Restaurant
Café & Mini
market
- 88.96% 88.96% Purchase
Method
2014-2019
OLYMPUS PLAZA LTD Greece Restaurant
Café & Mini
market
- 18.63% 18.63% Purchase
Method
2018-2019
PASTERIA S.A. Subsidiaries
KOLONAKI S.A. Greece Restaurant - 91.50% 91.50% Purchase
Method
2014-2019
DELI GLYFADA S.A. Greece Restaurant - 90.66% 90.66% Purchase
Method
Purchase
2014-2019
ALYSIS LTD Greece Restaurant - 50.37% 50.37% Method 2014-2019
PANACOTTA S.A. Greece Restaurant - 21.98% 21.98% Purchase
Method
Purchase
2014-2019
CAPRESE S.A. Greece Restaurant - 91.57% 91.57% Method 2014-2019
FOOD CENTER S.A. Greece Beverage &
Fast food
services
- 29.14% 29.14% Purchase
Method
2014-2019
Company Name Domicile Principal
activity
Direct
%
Indirect
%
Total % Consolidation
Method
Non-tax
Audited
Years (4)
HELLENIC CATERING S.A. Subsidiaries
ELLESTIA RESTAURANTS S.A. (former
PALLINI RESTAURANTS S.A.
Greece Restaurants -
Café
patisseries
- 1.69% 1.69% Purchase
Method
2014-2019
OLYMPIC CATERING S.A. Greece Catering
services
- 27.08% 27.08% Purchase
Method
2014-2019
MALIAKOS RESTAURANTS S.A. Subsidiary
ALMIROU VOLOS RESTAURANTS
PATISSERIES TRADING COMPANIES S.A.
Greece Restaurants -
Café
patisseries
- 8.74% 8.74% Purchase
Method
2014-2019
FOOD CENTER S.A. Subsidiary
PANACOTTA S.A. Greece Restaurant - 46.88% 46.88% Purchase
Method
2014-2019
ALESIS S.A. Subsidiary
BULZYMCO LTD Cyprus Holding - 46.96% 46.96% Purchase -
company Method
BULZYMCO LTD Subsidiary
ALESIS BULGARIA EOOD
Bulgaria Frozen dough
& pastry
- 46.96% 46.96% Purchase
Method
-
products
UNITED MILK COMPANY AD Subsidiary
DELTA GREEK FOODS USA INC (former
VIVARTIA USA INC)
U.S.A. Trading
company
- 92.08% 92.08% Purchase
Method
-
MAGIC FOOD S.A. Subsidiaries
Ε.Κ.Τ.Ε.Κ. S.A. Greece Real estate
management
- 20.72% 20.72% Purchase
Method
2014-2019
GS COFFEE N ICE L.P. Greece Beverage &
Fast food
services
- 73.66% 73.66% Purchase
Method
2014-2019
HARILAOU RESTAURANTS S.A. Subsidiary
HELLENIC FOOD INVESTMENTS S.A. Greece Holding
company
- 1.04% 1.04% Purchase
Method
2014-2019
OLYMPUS PLAZA S.A. Subsidiary
OLYMPUS PLAZA LTD Greece Restaurant
Café & Mini
market
- 30.75% 30.75% Purchase
Method
2014-2019
OLYMPUS PLAZA CATERING S.A.
Subsidiary
OLYMPUS PLAZA LTD Greece Restaurant
Café & Mini
market
- 15.84% 15.84% Purchase
Method
2014-2019
PHILADELFIOTIKI GONIA S.A. Greece Beverage &
Fast food
services
- 45.12% 45.12% Purchase
Method
2014-2019
M. ARABATZIS S.A. Associate consolidated
under the equity consolidation method
IONIKI SFOLIATA S.A. Greece Frozen dough
& pastry
products
- 15.34% 15.34% Equity Method 2017-2019
DELTA FOODS S.A. Associates consolidated
under the equity consolidation method
MEVGAL S.A. Greece Production &
distribution of
dairy products
- 39.78% 39.78% Equity Method 2014-2019
MEVGAL S.A. Subsidiaries
DIATROFI SINGLE MEMBER LTD Greece Dormant - 39.78% 39.78% Equity Method 2014-2019
EVROGAL S.A.
MEVGAL USA INC
Greece
U.S.A.
Dormant
Dormant
-
-
39.78%
39.78%
39.78%
39.78%
Equity Method
Equity Method
2014-2019
-
MEVGAL ENTERPRISES LIMITED Cyprus Dormant - 39.78% 39.78% Equity Method -
MEVGAL BULGARIA EOOD Bulgaria Under
liquidation
- 39.78% 39.78% Equity Method -
MEVGAL UK LIMITED United Trademarks - 39.78% 39.78% Equity Method -
MEVGAL S.A. Associate consolidated under
the equity consolidation method
MAKEDONIKI FARM S.A.
Kingdom
Greece
management
Dormant
- 7.96% 7.96% Equity Method 2014-2019
ATTICA GROUP
Company Name Domicile Principal
activity
Direct
%
Indirect
%
Total % Consolidation
Method
Non-tax
Audited
Years (4)
ATTICA S.A. Subsidiaries
SUPERFAST EPTA M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST OKTO M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST ENNEA M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST DEKA M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
NORDIA M.C. Greece Overseas
transport
- 79.38% 79.38% Purchase
Method
2014-2019
MARIN M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
ATTICA CHALLENGE LTD Malta Dormant - 79.38% 79.38% Purchase
Method
-
ATTICA SHIELD LTD Malta Dormant - 79.38% 79.38% Purchase
Method
-
SUPERFAST DODEKA (HELLAS) INC & CO
JOINT VENTURE
Greece Dormant - 79.38% 79.38% Common mgt(2) 2014-2019
SUPERFAST FERRIES S.A. Liberia Ships
management
- 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST PENTE INC Liberia Dormant - 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST EXI INC Liberia Dormant - 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST ENDEKA INC Liberia Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST DODEKA INC Liberia Dormant - 79.38% 79.38% Purchase
Method
2014-2019
BLUESTAR FERRIES MARITIME S.A. Greece Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
BLUE STAR FERRIES JOINT VENTURE Greece Dormant - 79.38% 79.38% Common mgt(2) 2014-2019
BLUE STAR FERRIES S.A. Liberia Dormant - 79.38% 79.38% Purchase
Method
2014
WATERFRONT NAVIGATION COMPANY Liberia Dormant - 79.38% 79.38% Purchase
Method
-
THELMO MARINE S.A. Liberia Dormant - 79.38% 79.38% Purchase
Method
-
BLUE ISLAND SHIPPING INC Panama Dormant - 79.38% 79.38% Purchase
Method
-
STRINTZIS LINES SHIPPING LTD Cyprus Dormant - 79.38% 79.38% Purchase
Method
-
SUPERFAST ONE INC Liberia Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
SUPERFAST TWO INC Liberia Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
ATTICA FERRIS M.C. Greece Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
BLUE STAR FERRIS M.C. & CO JOINT
VENTURE
Greece Overseas and
coastal
transport
- 79.38% 79.38% Common mgt(2) 2014-2019
BLUE STAR M.C. Greece Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
BLUE STAR FERRIES M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
ATTICA FERRIS MARITIME S.A. Greece Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
HELLENIC SEAWAYS MARITIME S.A. Greece Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
2014-2019
HELLENIC SEAWAYS CARGO M.C. Greece Dormant - 79.38% 79.38% Purchase
Method
2014-2019
HELLENIC SEAWAYS MANAGEMENT S.A. Liberia Dormant - 79.38% 79.38% Purchase
Method
2014-2019
WORLD CRUISES HOLDINGS LTD Liberia Dormant - 79.38% 79.38% Purchase
Method
-
HELCAT LINES S.A. Marshall
island
Dormant - 79.38% 79.38% Purchase
Method
-
TANGIER MARITIME INC Panama Overseas and
coastal
transport
- 79.38% 79.38% Purchase
Method
-
TANGER MOROCCO MARITIME S.A. Morocco Dormant - 79.38% 79.38% Purchase
Method
-
Company Name Domicile Principal
activity
Direct
%
Indirect
%
Total % Consolidation
Method
Non-tax
Audited
Years (4)
ATTICA S.A. Associate
AFRICA MOROCCO LINKS Morocco Overseas
transport
- 38.90% 38.90% Equity Method -
SINGULARLOGIC GROUP
SINGULARLOGIC S.A. subsidiaries
PROFESSIONAL COMPUTER SERVICES S.A. Greece Integrated
software
solutions
- 50.30% 50.30% Purchase
Method
2014-2019
SINGULAR ROMANIA SRL Romania IT support and
trade
- 99.61% 99.61% Purchase
Method
-
SYSTEM SOFT S.A. Greece Software
systems
consultants
- 99.61% 99.61% Purchase
Method
2014-2019
SINGULARLOGIC CYPRUS LTD Cyprus IT support and
trade
- 98.41% 98.41% Purchase
Method
-
G.I.T. HOLDINGS S.A. Greece Holding
company
- 99.61% 99.61% Purchase
Method
2014-2019
G.I.T. CYPRUS Cyprus Investing
company
- 99.61% 99.61% Purchase
Method
-
SENSE ONE TECHNOLOGIES S.A. Greece IT support and
trade
- 50.79% 50.79% Purchase
Method
2014-2019
SINGULARLOGIC B.V. The
Netherlands
IT support - 99.61% 99.61% Purchase
Method
-
SINGULARLOGIC S.A. Associates
consolidated under the equity consolidation
method
INFOSUPPORT S.A. Greece IT support and
trade
Trade
- 33.87% 33.87% Equity Method 2014-2019
INFO S.A. Greece computers &
software
- 34.86% 34.86% Equity Method 2014-2019
LOGODATA S.A. Greece Computer
applications
- 23.79% 23.79% Equity Method 2014-2019

Notes

(1) The companies MARFIN CAPITAL S.A. and MIG SHIPPING S.A. are offshore companies and are not subject to corporate income tax. For the companies outside European Union, which do not have any branches in Greece, there is no obligation for a tax audit.

(2) Common mgt = Under common management

(3) BVI = British Virgin Islands

(4) In respect to the Group companies established in Greece, which meet the relevant criteria for falling under the tax audit of Certified Auditors, the tax audit of fiscal years 2014-2018 has been completed under the provisions of Law 4174/2013, article 65A, par.1. It is to be noted that the tax audit of fiscal year 2019 is in progress. On 31/12/2019 the fiscal years until 31/12/2013 were time-barred in accordance with the provisions of par. 1 of art. 36 of Law 4174/2013, with the exceptions provided by the current legislation for extension of the right of the Tax Administration for the issuance of an act of administrative, estimated or corrective tax determination in specific cases.

2.2 Changes in the Group's structure

The consolidated Financial Statements for the six-month period which ended on June 30th, 2020 compared to the corresponding six-month period of 2019 include under the purchase method of consolidation, the company OLYMPUS PLAZA LTD, as a result of a share capital increase without the participation of minority interest within the 4th quarter of 2019 (until then, the company in question was consolidated under equity method).

The companies, not consolidated in the Financial Statements for the six-month period ended on June 30th, 2020, whereas they were consolidated in the corresponding six-month period of 2019, are as follows: (a) under the purchase method of consolidation, the companies: i) CTDC due to disposal as of 18/04/2019, ii) UNITED MILK HOLDINGS L.T.D. due to finalization of liquidation within the first half of 2019, iii) POULIOU S.A. due to finalization of liquidation within the 4th quarter of 2019, iv) MIG ENVIRONMENT due to finalization of liquidation within the first half of 2019, v) SINGULARLOGIC MARITIME SERVICES LTD due to liquidation within the 4th quarter of 2019, vi) METASOFT S.A. due to finalization of liquidation within the 4th quarter of 2019 and vii) SINGULAR BULGARIA EOOD due to disposal on 06/03/2020.

In the consolidated Financial Statements for the six-month period which ended on June 30th, 2020, the item "Non-current assets held for sale" includes the group SINGULARLOGIC (see note 7.1)

3 BASIS OF FINANCIAL STATEMENTS PRESENTATION

3.1 Statement of Compliance

The Company's consolidated and separate Financial Statements as of June 30th 2020 covering the six month period from January 1st to June 30th 2020, have been prepared according to the International Financial Reporting Standards (IFRS), which were published by the International Accounting Standards Board (IASB) and according to their interpretations, which have been published by the International Financial Reporting Interpretations Committee (IFRIC) and have been adopted by the European Union until June 30th 2020. The Group applies all the International Accounting Standards, International Financial Reporting Standards and their Interpretations, which apply to the Group's activities. The relevant accounting policies, a summary of which is presented below in Note 4, have been applied consistently in all periods presented.

The aforementioned Financial Statements were prepared based on the going concern principle, which implies that the Company and its subsidiaries will be in position to continue operating as entities in the foreseeable future, taking into account the currently effective and projected financial position of the Group, also considering the following conditions and actions, designed and implemented by the Management.

As at 30/06/2020, the Group and the Company present negative working capital, since the current liabilities exceed the current assets by € 308,600k and € 295,200k respectively, while the main part of the current liabilities is related to loan liabilities, payable within the following 12 months as starting from the financial statements reporting sate.

(a) Implementation of MARFIN INVESTMENT GROUP Restructuring Agreement regarding its loan liabilities standing at € 548.9 m as at the reporting date

Regarding the Company's loan liabilities of € 253,750k payable after extensions on 31/12/2020 and Company's loan liabilities of € 295,105k payable on 31/07/2021, in the context of implementing the terms of the Restructuring Agreement, which requires compliance with certain commitments, the Management examines the refinancing and /or their settlement through the disposal of one or more of its assets.

The completion of the relevant actions is assessed by the Management that it will be completed within the next months, a fact that will ensure the smooth operation of the Company. The proceeds to be received in any disposal of assets will be used to repay existing borrowings of the Company.

(b) Discussions with creditor banks on restructuring the Group's subsidiaries other loan liabilities

The Group's liabilities as at 30/06/2020 (as detailed in Note 20) include capital and interest liabilities of the subsidiary RKB amounting to € 107,926k, regarding restructuring of which the management is in discussions with the creditor bank.

Already, by the date of approval of the attached semi-annual financial statements, the management has received in writing the provision of consent for the postponement of actions until 31/12/2020 on behalf of the creditor. Additionally, the aforementioned Group's company, at the date of approval of the accompanying Financial Statements, is in the process of discussions with the bank, in order to restructure the terms of the loan liabilities (see Note 20).

(c) Measures taken in order to address the effects of the pandemic

The emergence of COVID-19 pandemic, in line with the measures taken to address it, have adversely affected the Group's operations, thorough negative consequences mainly for VIVARTIA group, the Food Services sub-sector, in particular, and for ATTICA group.

Determination of the pandemic financial impact entails a significant degree of uncertainty and cannot be currently assessed reliably, since it depends on a number of factors, including, the extent of the outbreak of the pandemic, the widespread use of a vaccine to treat it, the extent of any new restrictive measures that may be taken by the State in conjunction with the support measures for affected businesses and the degree of recovery of tourist traffic.

Further information on the impact of COVID-19 pandemic on the financial performance, position and liquidity of the Group, as well as the factors of uncertainty, is presented in Note 33.4 to the financial statements. The same Note analytically records the course of actions, scheduled and implemented by the Management in order to improve the Group's liquidity and profitability, especially the Food services sector, with the ultimate objective of ensuring its ability to continue as a going concern.

If the above intended actions of the Management regarding the Company and its subsidiaries do not succeed or prove inadequate due to prevailing instability and uncertainty, also arising from the effects of COVID-19 pandemic as well as the uncertainty concerning the implementation of the actions that are not entirely dependent on the Management, then the results, the operation and the prospects of the Group may be adversely affected. The combination of the described conditions indicates the existence of material uncertainty regarding the Group's and Company's ability to continue as a going concern.

However, subject to the successful completion of the above actions, the Management expects that Group and Company will not face financing and liquidity issues within the next 12 months.

3.2 Presentation Currency

The presentation currency is Euro (the currency of the Group's parent domicile) and all the amounts are presented in thousand Euro unless otherwise mentioned.

3.3 Comparability

The comparative values of the Financial Statements have been readjusted in order to present the required adjustments so that only the continuing operations are included (see note 7).

4 BASIC ACCOUNTING POLICIES

The condensed interim Financial Statements for the six-month period which ended on 30/06/2020 include limited information compared to that presented in the annual Financial Statements. The accounting policies based on which the Financial Statements were drafted are in accordance with those used in the preparation of the annual Financial Statements for the financial year which ended on 31/12/2019, apart from the amendments to the Standards and Interpretations effective as of 01/01/2020. Therefore, the attached interim 6-month Financial Statements should be read in combination with the latest publicized annual Financial Statements of 31/12/2019 that include a full analysis of the accounting policies and valuation methods used.

4.1 New Standards, Interpretations, Revisions and Amendments to existing Standards that are effective and have been adopted by the European Union

The following new Standards, Interpretations and amendments of IFRSs have been issued by the International Accounting Standards Board (IASB), are adopted by the European Union, and their application is mandatory on or after 01/01/2020.

Revision of the Conceptual Framework for Financial Reporting (effective for annual periods starting on or after 01/01/2020)

In March 2018, the IASB issued the revised Conceptual Framework for Financial Reporting (Conceptual Framework), the objective of which was to incorporate some important issues that were not covered, as well as update and clarify some guidance that was unclear or out of date. The revised Conceptual Framework includes a new chapter on measurement, which analyzes the concept on measurement, including factors to be considered when selecting a measurement basis, concepts on presentation and disclosure, and guidance on derecognition of assets and liabilities from financial statements. In addition, the revised Conceptual Framework includes improved definitions of an asset and a liability, guidance supporting these definitions, update of recognition criteria for assets and liabilities, as well as clarifications in important areas, such as the roles of stewardship, prudence and measurement uncertainty in financial reporting. The amendments do not have any significant effect to the consolidated Financial Statements.

IFRS 17 "Insurance Contracts" (effective for annual periods starting on or after 01/01/2021)

In May 2017, the IASB issued a new Standard, IFRS 17, which replaces an interim Standard, IFRS 4. The aim of the project was to provide a single principle-based standard to account for all types of insurance contracts, including reinsurance contracts that an insurer holds. A single principle-based standard would enhance comparability of financial reporting among entities, jurisdictions and capital markets. IFRS 17 sets out the requirements that an entity should apply in reporting information about insurance contracts it issues and reinsurance contracts it holds. Furthermore, in June 2020, the IASB issued amendments, which do not affect the fundamental principles introduced when IFRS 17 has first been issued. The amendments are designed to reduce costs by simplifying some requirements in the Standard, make financial performance easier to explain, as well as ease transition by deferring the effective date of the Standard to 2023 and by providing additional relief to reduce the effort required when applying the Standard for the first time. The above have not been adopted by the European Union. The amendments do not affect the consolidated Financial Statements.

Amendments to References to the Conceptual Framework in IFRS Standards (effective for annual periods starting on or after 01/01/2020)

In March 2018, the IASB issued Amendments to References to the Conceptual Framework, following its revision. Some Standards include explicit references to previous versions of the Conceptual Framework. The objective of these amendments is to update those references so that they refer to the revised Conceptual Framework and to support transition to the revised Conceptual Framework. The amendments do not have any significant effect to the consolidated Financial Statements.

Amendments to IAS 1 and IAS 8: "Definition of Material" (effective for annual periods starting on or after 01/01/2020)

In October 2018, the IASB issued amendments to its definition of material to make it easier for companies to make materiality judgments. The definition of material helps companies decide whether information should be included in their financial statements. The updated definition amends IAS 1 and IAS 8. The amendments clarify the definition of material and how it should be applied by including in the definition guidance that until now has featured elsewhere in IFRS Standards. The amendments do not have any significant effect to the consolidated Financial Statements s.

Amendments to IFRS 9, IAS 39 and IFRS 7: "Interest Rate Benchmark Reform" (effective for annual periods starting on or after 01/01/2020)

In September 2019, the IASB issued amendments to some specific hedge accounting requirements to provide relief from potential effects of the uncertainty caused by the Interest Rate Benchmark reform. The amendments are designed to support the provision of useful financial information by companies during the period of uncertainty arising from the phasing out of interest – rate benchmarks such as interbank offered rates (IBORs). It requires companies to provide additional information to investors about their hedging relationships which are directly affected by these uncertainties. The amendments do not affect the consolidated Financial Statements.

Amendments to IFRS 3: "Definition of a Business" (effective for annual periods starting on or after 01/01/2020)

In October 2018, the IASB issued narrow-scope amendments to IFRS 3 to improve the definition of a business. The amendments will help companies determine whether an acquisition made is of a business or a group of assets. The amended definition emphasizes that the output of a business is to provide goods and services to customers, whereas the previous definition focused on returns in the form of dividends, lower costs or other economic benefits to investors and others. In addition to amending the wording of the definition, the Board has provided supplementary guidance. The amendments do not affect the consolidated Financial Statements.

4.2 New Standards, Interpretations, Revisions and Amendments to existing Standards that have not been applied yet or have not been adopted by the European Union

The following new Standards, Interpretations and amendments of IFRSs have been issued by the International Accounting Standards Board (IASB), but their application has not started yet or they have not been adopted by the European Union.

Amendments to IFRS 16 "Leases" Covid-19 – Related Rent Concessions (effective for annual periods starting on or after 01/06/2020)

In May 2020, the IASB issued amendments to IFRS 16 that provide lessees with an exemption from assessing whether a Covid-19-related rent concession is a lease modification. More specifically, the amendments clarify that if certain conditions are met, lessees are not required to assess whether particular Covid-19-related rent concessions are lease modifications. Instead, lessees that apply the practical expedient, would account for those rent concessions as if they were not lease modifications. It applies to Covid-19-related rent concessions that reduce lease payments due on or before June 30, 2021. The Group will examine the impact of the above on its Financial Statements. The above have not been adopted by the European Union.

Amendments to IFRS 4 "Insurance Contracts" – deferral of IFRS 9 (effective for annual periods starting on or after 01/01/2021)

In June 2020, the IASB issued amendments that declare deferral of the date of initial application of IFRS 17 by two years, to annual periods beginning on or after January 1, 2023. As a consequence, the IASB also extended the fixed expiry date for the temporary exemption from applying IFRS 9 "Financial Instruments" in IFRS 4 "Insurance Contracts", so that the entities are required to apply IFRS 9 for annual periods beginning on or after January 1, 2023. The Group will examine the impact of the above on its Financial Statements, though it is not expected to have any. The above have not been adopted by the European Union.

Amendments to IFRS 9, IAS 39, IFRS 7, IFRS 4 and IFRS 16: "Interest Rate Benchmark Reform — Phase 2" (effective for annual periods starting on or after 01/01/2021)

In August 2020, the IASB finalised its response to the ongoing reform of inter-bank offered rates (IBOR) and other interest rate benchmarks by issuing a package of amendments to five IFRS Standards. The amendments complement those issued in 2019 and focus on the effects on financial statements when a company replaces the old interest rate benchmark with an alternative benchmark rate as a result of the reform. In particular, the amendments describe the way in which an entity shall account for changes in contractual cash flows, a change in hedging relationships as a result of the restructuring, and related information it will need to disclose. The Group will examine the impact of the above on its Financial Statements. The above have not been adopted by the European Union.

Amendments to IFRS 3 "Business Combinations", IAS 16 "Property, Plant and Equipment", IAS 37 "Provisions, Contingent Liabilities and Contingent Assets" and "Annual Improvements 2018-2020" (effective for annual periods starting on or after 01/01/2022)

In May 2020, the IASB issued a package of amendments which includes narrow-scope amendments to three Standards as well as the Board's Annual Improvements, which are changes that clarify the wording or correct minor consequences, oversights or conflicts between requirements in the Standards. More specifically:

  • o Amendments to IFRS 3 Business Combinations update a reference in IFRS 3 to the Conceptual Framework for Financial Reporting without changing the accounting requirements for business combinations.
  • o Amendments to IAS 16 Property, Plant and Equipment prohibit a company from deducting from the cost of property, plant and equipment amounts received from selling items produced while the company is preparing the asset for its intended use. Instead, a company will recognize such sales proceeds and related cost in profit or loss.
  • o Amendments to IAS 37 Provisions, Contingent Liabilities and Contingent Assets specify which costs a company includes when assessing whether a contract will be lossmaking.
  • o Annual Improvements 2018-2020 make minor amendments to IFRS 1 First-time Adoption of International Financial Reporting Standards, IFRS 9 Financial Instruments, IAS 41 Agriculture and the Illustrative Examples accompanying IFRS 16 Leases.

The Group will examine the impact of the above on its Financial Statements, though they are not expected to have any. The above have not been adopted by the European Union.

Amendments to IAS 1 "Classification of Liabilities as Current or Non-current" (effective for annual periods starting on or after 01/01/2023)

In January 2020, the IASB issued amendments to IAS 1 that affect requirements for the presentation of liabilities. Specifically, they clarify one of the criteria for classifying a liability as non-current, the requirement for an entity to have the right to defer settlement of the liability for at least 12 months after the reporting period. The amendments include: (a) specifying that an entity's right to defer settlement must exist at the end of the reporting period; (b) clarifying that classification is unaffected by management's intentions or expectations about whether the entity will exercise its right to defer settlement; (c) clarifying how lending conditions affect classification; and (d) clarifying requirements for classifying liabilities an entity will or may settle by issuing its own equity instruments. The Group will examine the impact of the above on its Financial Statements, though it is not expected to have any (to be adapted in respect of every Group/Company). The above have not been adopted by the European Union. Moreover, in July 2020, the IASB issued an amendment, postponing the effective date of the initially issued amendments to IAS 1 for one further year, given the spread of Covid-19 pandemic. The Group will examine the impact of the above on its Financial Statements. The above have not been adopted by the European Union.

5 ESTIMATES

The preparation of the interim Financial Statements requires the conduct of estimates and the adoption of assumptions that affect the application of accounting principles and the carrying values of the assets and liabilities, income and expenses.

In preparing the current Financial Statements, the significant accounting estimates and judgments adopted by the Management in applying the Group's accounting policies are consistent with those applied in the annual Financial Statements of 31/12/2019.

Also, the main sources creating uncertainty that existed during the preparation of the Financial Statements of 31/12/2019, remained the same for the interim Financial Statements for the six-month period which ended on 30/06/2020.

6 BUSINESS COMBINATIONS AND ACQUISITIONS OF NON-CONTROLLING INTERESTS

Other changes within the period ended 30/06/2020

  • Within the first quarter of 2020, VIVARTIA group subsidiary, UNITED MILK COMPANY AD proceeded with a share capital increase in the company DELTA GREEK FOODS USA INC (€ 908k), keeping stable the participating interest in the aforementioned company to 100%.
  • On 06/03/2020, SINGULARLOGIC transferred 100% of shares of its subsidiary SINGULAR BULGARIA EOOD.
  • Within the first half of 2020, MIG proceeded with a share capital increase in its subsidiaries MIG REAL ESTATE (SERBIA) of € 30k and TOWER TECHNOLOGY LTD of € 8k.
  • Within the first half of 2020, the liquidation procedures of the idle subsidiary MIG AVIATION 2 LTD were completed, while at the same time, liquidation of the idle subsidiary MIG AVIATION 1 LTD was completed on 11/09/2020.

7 DISPOSAL GROUPS HELD FOR SALE AND DISCONTINUED OPERATIONS

7.1 Decision on disposing the investment in SINGULARLOGIC

Within the first half of 2020, the Management of the Group, decided to examine the possibility of disposing its entire investment in SINGULARLOGIC. This event is expected to be completed within a period of one year from the date of classification of the investment as held for sale. On this basis, the Management of the Group appointed a financial advisor, inter alia, the receipt of non-binding initial and binding subsequent tenders from the investors interested, as well as support in the negotiations with preferred investors.

Based on the above, on 30/06/2020 the items of the Statement of Financial Position of SINGULARLOGIC were classified as a disposal group in accordance with the requirements of IFRS 5 for non-current assets held for sale. At the date of SINGULARLOGIC classification in the disposal group, the Group and the Company measured the items in the disposal group at the lowest amount between their carrying amount and fair value less costs to sell (in accordance with IFRS 5, paragraph 15). From the comparison of the amount of the fair value of the disposal group with the amount of its respective book value, there was a need to recognize a loss of € 6.4 million in the consolidated Financial Statements.

Revenue and expenses, gains and losses related to this discontinued operation are not included in the Group's results from continuing operations for the period 01/01-30/06/2020, i.e. losses of € 2,129k

and are presented in the results from discontinued operations. Furthermore, the carrying amounts of the assets and related liabilities of the disposal team as at 30/06/2020 are presented separately (see note 7.3).

7.2 Discontinued operations within the comparative reporting period (01/01-30/06/2019)

The comparative period's discontinued operations include:

  • CTDC and MIG LEISURE results for the period 01/01-30/06/2019 (due to disposal on 18/04/2019). KETA was consolidated using the full consolidation method, and
  • SINGULARLOGIC results for the period 01/01-30/06/2019 (due to its classification into disposal groups held for sale as at 30/06/2020).

7.3 Group's net results from discontinued operations

Group's net results from discontinued operations for the periods 01/01-30/06/2020 and 01/01- 30/06/2019 are analyzed as follows:

Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Sales 13,750 26,629
Cost of sales (10,597) (19,794)
Gross profit 3,153 6,835
Administrative expenses (2,006) (3,948)
Distribution expenses (3,169) (4,219)
Other operating income 1,381 2,433
Other operating expenses (117) (686)
Operating profit (758) 415
Other financial results (23) (7)
Financial expenses (982) (1,552)
Financial income 1 204
Profit/(Loss) before tax from discontinuing
operations
(1,762) (940)
Income Tax (367) (99)
Profit/(Loss) after taxes from discontinued
operations
(2,129) (1,039)
Gains /(Losses) on measurement to fair value (6,396) -
Gains /(losses) from the sale of the discontinued
operations
- 4,805
Result from discontinued operations (8,525) 3,766
Attributable to:
Owners of the parent (8,475) 3,747
Non-controlling interests (50) 19

In addition, the book values of the assets and related liabilities classified as held for sale (SINGULARLOGIC) as at 30/06/2020 are analyzed as follows:

Amounts in € '000 30/06/2020
ASSETS
Tangible assets 1,694
Goodwill 31,706
Intangible assets 19,982
Other assets 20,325
Assets held for sale 73,707
LIABILITIES
Debt liabilities 35,881
Long-term liabilities 5,250
Current liabilities 22,799
Liabilities related to Assets held for sale 63,930

The following table presents the net cash flows from operating, investing and financing activities, related to discontinued operations for periods 01/01-30/06/2020 and 01/01-30/06/2019:

Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Net cash flows operating activities 1,902 3,547
Net cash flows from investing activities (1,153) 25,168
Net cash flow from financing activities (509) (28,551)
Total net cash flow from discontinued operations 240 164

Basic earnings per share from discontinued operations for the six-month reporting periods 01/01- 30/06/2020 and 01/01-30/06/2019 amount to € (0.0090) and € 0.0040 respectively, while diluted earnings per share from discontinued activities amounted to € (0.0020) and € 0.0009 respectively (for the analysis of the calculation please refer to note 28).

8 OPERATING SEGMENTS

The Group applies IFRS 8 "Operating Segments", under its requirements the Group recognizes its operating segments based on "management approach" which requires the public information to be based on internal information. The Company's Board of Directors is the key decision maker and sets five (5) operating segments for the Group. The required information per operating segment is as follows:

Income and results, assets and liabilities per operating segment are presented as follows:

Amounts in € '000 Food &
Dairy
Financial
Services
Transportation Private
Equity *
Total from
continuing
operations
Discontinued
operations
Group
01/01-30/06/2020
Revenues from external customers 263,712 - 113,181 3,131 380,024 13,750 393,774
Intersegment revenues 1,998 - 3,814 2,845 8,657 357 9,014
Operating profit (1,782) (3,848) (21,419) 441 (26,608) (758) (27,366)
Depreciation and amortization expense (19,313) (173) (23,404) (4) (42,894) (1,313) (44,207)
Profit/(Loss) before tax, financing, investing results
and total depreciation charges
17,531 (3,675) 1,985 445 16,286 555 16,841
Other financial results (15) (3) (12,497) (61) (12,576) (23) (12,599)
Impairment losses (11,200) - (535) (9,465) (21,200) - (21,200)
Financial income 14 1 97 2 114 1 115
Financial expenses (10,429) (12,034) (7,070) (1,560) (31,093) (982) (32,075)
Share in net profit (loss) of companies accounted for
by the equity method
287 - 326 - 613 - 613
Profit/(Loss) before income tax (23,125) (15,884) (41,098) (10,643) (90,750) (1,762) (92,512)
Income tax 1,590 - (75) - 1,515 (367) 1,148
Αssets as of 30/06/2020 937,848 259,159 962,477 264,483 2,423,967 73,707 2,497,674
Liabilities as of 30/06/2020 703,687 595,606 545,395 369,297 2,213,985 63,930 2,277,915
Amounts in € '000 Food &
Dairy
Financial
Services
Transportation Private
Equity *
Total from
continuing
operations
Discontinued
operations
Group
01/01-30/06/2019
Revenues from external customers 291,729 - 157,586 3,698 453,013 26,629 479,642
Intersegment revenues 2,379 - 6,428 4,073 12,880 341 13,221
Operating profit 1,902 (5,133) (5,067) 1,642 (6,656) 415 (6,241)
Depreciation and amortization expense (19,756) (232) (20,613) (3) (40,604) (2,058) (42,662)
Profit/(Loss) before tax, financing, investing
results and total depreciation charges
21,658 (4,901) 15,546 1,645 33,948 2,473 36,421
Other financial results 93 (1) 1,277 48 1,417 (7) 1,410
Impairment losses (4,046) - - - (4,046) - (4,046)
Financial income 20 13 6 2 41 204 245
Financial expenses (10,688) (11,472) (6,652) (2,193) (31,005) (1,552) (32,557)
Share in net profit (Loss) of companies
accounted for by the equity method
722 - (750) - (28) - (28)
Profit/(Loss) before income tax (11,997) (16,593) (11,186) (501) (40,277) (940) (41,217)
Income tax 628 - (85) (2) 541 (99) 442
Αssets as of 31/12/2019 960,180 267,844 981,044 273,439 2,482,507 76,901 2,559,408
Liabilities as of 31/12/2019 703,041 582,098 504,264 367,639 2,157,042 65,164 2,222,206

* Subcategories of the Private Equity operating segment:

Amounts in € '000
01/01-30/06/2020 Real Estate Other Group
Revenues from external customers 3,130 1 3,131
Profit/(Loss) before income tax (10,345) (298) (10,643)
Αssets as of 30/06/2020 260,178 4,305 264,483
01/01-30/06/2019
Revenues from external customers 3,691 7 3,698
Profit/(Loss) before income tax (506) 5 (501)
Αssets as of 31/12/2019 268,711 4,728 273,439

The reconciliation of revenue, operating profit and loss, assets and liabilities of each segment with the respective amounts of the Financial Statements are analyzed as follows:

Amounts in € '000
Revenues 01/01-30/06/2020 01/01-30/06/2019
Total revenues for reportable segments 402,788 492,863
Adjustments for :
Intersegment revenues (9,014) (13,221)
Discontinued operations (13,750) (26,629)
Income statement's revenues 380,024 453,013
Amounts in € '000
Profit / (Loss) 01/01-30/06/2020 01/01-30/06/2019
Total profit / (loss) for reportable segments (92,512) (41,217)
Adjustments for :
Discontinued operations 1,762 940

Amounts in € '000

Profit / (Loss) from discontinued
operations
01/01-30/06/2020 01/01-30/06/2019
Profit/(Loss) before tax from discontinued
operations
(1,762) (940)
Adjustments for :
Income tax (367) (99)
Gains /(Losses) on measurement to fair
value
(6,396) -
Gains /(Losses) from the sale of the
discontinued operations
- 4,805
Gains/(Losses) for the year after tax
from discontinued operations
(8,525) 3,766
Amounts in € '000
Assets 30/06/2020 31/12/2019
Total assets for reportable segments 2,423,967 2,559,408
Elimination of receivable from corporate
headquarters
(265,171) (268,191)
Non-current assets classified as held for
sale
73,707 -
Entity's assets 2,232,503 2,291,217
Amounts in € '000
Liabilities 30/06/2020 31/12/2019
Total liabilities for reportable segments 2,213,985 2,222,206
Elimination of payable to corporate
headquarters
(265,171) (268,191)
Non-current assets classified as held for
sale
63,930 -
Entity's liabilities 2,012,744 1,954,015

Disclosure of geographical information:

Amounts in € '000

Segment results 30/06/2020 Greece European
countries
Other
countries
Group
Revenues from external customers 315,105 57,270 7,649 380,024
Revenues from external customers
(discontinued operations)
13,076 576 98 13,750
Non-current assets* 1,693,363 32,123 53 1,725,539

Amounts in € '000

Segment results as of 30/06/2019 Greece European
countries
Other
countries
Group
Revenues from external customers 377,854 65,695 9,464 453,013
Revenues from external customers
(discontinued operations)
22,457 4,052 120 26,629
Non current assets 31/12/2019 1,760,688 42,166 50 1,802,904

* Non-current assets do not include the "Financial Assets" as well as the "Deferred Tax Assets" as in compliance with the provisions of IFRS 8.

9 RIGHT-OF-USE PROPERTY, PLANT AND EQUIPMENT

The changes in the Group's and Company's right-of-use property, plant and equipment account are analyzed as follows:

THE GROUP
Amounts in € '000 Vessels Land &
Buildings
Machinery &
Vehicles
Furniture &
Fittings
Total
Book value as of 01/01/2020 14,638 65,140 6,566 35 86,379
Additions 1,522 354 394 - 2,270
Adjustment from remeasurement of lease liabilities - 59 - - 59
Discontinuance of leasing contracts - (61) (219) - (280)
Discontinuance of leasing contracts of assets classified
as held for sale
- (60) (23) - (83)
Adjustment from remeasurement of lease liabilities of
assets classified as held for sale
- (5) - - (5)
Disposals from Sale of subsidiaries of assets classified
as held for sale
- (27) - - (27)
Assets classified as held for sale - (1,462) (750) - (2,212)
Gross book value as of 30/06/2020 16,160 63,938 5,968 35 86,101
Accumulated depreciation as of 01/01/2020 (8,834) (8,488) (1,936) (15) (19,273)
Depreciation charge (1,089) (4,157) (935) (8) (6,189)
Depreciation of assets classified as held for sale - (262) (170) - (432)
Discontinuance of leasing contracts - 54 144 - 198
Discontinuance of leasing contracts of assets classified
as held for sale
- 12 14 - 26
Accumulated depreciations of assets classified as held
for sale
- 820 511 - 1,331
Accumulated depreciation as of 30/06/2020 (9,923) (12,021) (2,372) (23) (24,339)
Net book value as of 30/06/2020 6,237 51,917 3,596 12 61,762
THE GROUP
Amounts in € '000 Vessels Land &
Buildings
Machinery &
Vehicles
Furniture &
Fittings
Total
Book value as of 01/01/2019 9,650 - - - 9,650
Change in accounting policy IFRS 16 - 59,976 4,336 36 64,348
Adjusted gross book value as of 01/01/2019 9,650 59,976 4,336 36 73,998
Additions 34 5,677 2,388 - 8,099
Adjustment from remeasurement of lease liabilities 4,954 135 (1) - 5,088
Discontinuance of leasing contracts - (648) (157) - (805)
Other movements/Reclassifications - - - (1) (1)
Gross book value as of 31/12/2019 14,638 65,140 6,566 35 86,379
Accumulated depreciation as of 01/01/2019 (6,815) - - - (6,815)
Depreciation charge (2,019) (8,741) (1,958) (15) (12,733)
Discontinuance of leasing contracts - 253 22 - 275
Accumulated depreciation as of 31/12/2019 (8,834) (8,488) (1,936) (15) (19,273)
Net book value as of 31/12/2019 5,804 56,652 4,630 20 67,106
THE COMPANY
Amounts in € '000 Land &
Buildings
Machinery &
Vehicles
Furniture &
Fittings
Total
Book value as of 01/01/2020 688 194 16 898
Additions - - - -
Gross book value as of 30/06/2020 688 194 16 898
Accumulated depreciation as of 01/01/2020 (95) (62) (9) (166)
Depreciation charge (57) (31) (5) (93)
Accumulated depreciation as of 30/06/2020 (152) (93) (14) (259)
Net book value as of 30/06/2020 536 101 2 639
THE COMPANY
Amounts in € '000 Land &
Buildings
Machinery &
Vehicles
Furniture &
Fittings
Total
Gross book value as of 01/01/2019 - - - -
Change in accounting policy IFRS 16 - 194 17 211
Adjusted gross book value as of 01/01/2019 - 194 17 211
Additions 688 - - 688
Reclassifications - - (1) (1)
Gross book value as of 31/12/2019 688 194 16 898
Accumulated depreciation as of 01/01/2019 - - - -
Depreciation charge (95) (62) (9) (166)
Accumulated depreciation as of 31/12/2019 (95) (62) (9) (166)
Net book value as of 31/12/2019 593 132 7 732

10 GOODWILL

10.1 Analysis of changes in goodwill

Changes in goodwill in the consolidated Financial Statements for the period ended on 30/06/2020 and 31/12/2019 are as follows:

Amounts in € '000 Food & Dairy Transportation IT & Telecoms Total
Net book value as of 01/01/2019 156,182 30,130 47,343 233,655
Impairment of goodwill - - (15,637) (15,637)
Net book value as of 31/12/2019 156,182 30,130 31,706 218,018
Νet book value as of 01/01/2020 156,182 30,130 31,706 218,018
Goodwill Transferred to Assets held for sale - - (31,706) (31,706)
Net book value as of 30/06/2020 156,182 30,130 - 186,312
Gross book value as of 30/06/2020 999,619 174,428 - 1,174,047
Accumulated impairment losses (843,437) (144,298) - (987,735)
Net book value as of 30/06/2020 156,182 30,130 - 186,312

10.2 Impairment test on goodwill and intangible assets with indefinite useful life

On 30/06/2020, due to the negative impact of the pandemic on the economy and consequently on the Group's financial performance, the Management carried out an impairment test on recognized goodwill and consequently, on recognized intangible assets with indefinite useful life. The impairment test on goodwill which had arisen as a result of the acquisitions of the Group's consolidated companies, was conducted having allocated said assets to the respective Cash Generating Units (CGU). The recoverable goodwill amount associated with the respective CGU was determined through value in use, which was calculated by using the method of discounted cash flows.

Similarly, the recoverable value of trademarks with indefinite useful life (value in use) was determined through the income expected to arise from royalties based on the Income Approach via Relief from Royalty method. In determining the value in use, the Management uses assumptions that it deems reasonable, based on the best available information which is applicable at the reference date of the Financial Statements (please refer to note 10.3).

On 30/06/2020, per CGU, the conditions that led to the recognition of these impairments are as follows:

"Food and Dairy" Sector: The impairments were attributable to the sub-sectors "Dairy and Beverages" and "Food Services" of VIVARTIA group and are mainly related to losses recognized in the intangible assets of these sub-sectors. These losses are due to the decline in revenue in the group's operations related to the aforementioned intangibles as a result of changes in the economic conditions and their effect on the particular value.

10.2.1 Consolidated Financial Statements

Changes in goodwill within the period 01/01-30/06/2020 and the way it is allocated to the Group's operating segments are analytically described in note 10.1 above. The impairment test did not reveal the need to impair the recognized goodwill.

The intangible assets of the Group, whose analysis is shown in note 11, also include intangible assets with indefinite useful life. From the impairment test with reference date 30/06/2020 a need arose for the recognition of impairment losses on intangible assets amounting to € 11,200k (31/12/2019: € 659k) which pertains to an impairment of intangible assets with indefinite useful life of the "Food and Dairy" operating segment (see note 11). The aforementioned amount is included in the item "Other financial results" of the consolidated Income Statement.

Following the conducted impairments, the intangible assets of the Group with indefinite useful life on 30/06/2020 amount to € 192,508k (2019: € 216,514k) and include as follows: (a) trademarks of the "Food and Dairy" segment amounting to € 165,079k, and (b) trademarks of the "Transportation" segment amounting to € 27,429k.

10.2.2 Separate Financial Statements

Respectively, the Management, taking into account the effects of the COVID-19 pandemic, carried out an impairment test on investments in subsidiaries. At the separate Financial Statements the total amount of impairment amounted to € 178,644k which relates to impairment of investments in subsidiaries and non-current assets (see notes 12 and 14) and is analyzed as follows: (i) amount of € 159,259k in VIVARTIA, (ii) amount of € 10,813k in SINGULARLOGIC and (iii) amount of € 8,572k in RKB. The aforementioned amounts are included in the item "Income/(Expenses) from participating interest and other financial assets" of the separate Income Statement.

10.3 Assumptions used in calculation of Value in Use

The recoverable value of each CGU is determined according to the calculation of the value in use. The calculations for the CGU's recoverable amount were based on the present value of the expected future cash flows. The methodology for determining the value in use is affected (has sensitivity) by the following key assumptions, as adopted by the management for the estimation of future cash flows:

5-year business plan per CGU:

  • o The business plans are prepared for a maximum period of 5 years. The cash flows beyond the 5-year estimates are derived using implied growth rates stated below.
  • o The business plans are based on recent qualified budgets and estimates.
  • o Forecasted operating margins and EBITDA, as well as future estimates based on reasonable assumptions are used in business plans.

The calculations for determining the recoverable amounts of the CGU's are based on business plans approved by the Management, which have included the necessary revisions to capture the current economic situation and reflect past experience, projections of studies per sector and other information available from external sources.

Perpetuity Growth rate:

The cash flows beyond the 5 year period are extrapolated using the estimated growth rates in perpetuity, as obtained from external sources. For the period ended on 30/06/2020 and the year ended on 31/12/2019, perpetuity growth rate stood at 1.6%.

Weighted Average Cost of Capital (WACC):

The WACC method reflects the discount rate of future cash flows for each CGU, according to which the cost of equity and the cost of long-term debt and any grants are weighted, in order to calculate the cost of capital of the company. The basic parameters determining the weighted cost of capital (WACC) include:

o Risk-free return:

Since all cash flows of the business plans are denominated in euro, the yield of ten-year Euro Swap Rate (EUS) was used as the risk-free rate. At the valuation date the ten-year Euro Swap Rate was 0.17 %. The 10-year Greek government bond was not used as risk free rate, given the recognition by the markets of significant risk premium (spread) on the title.

o Country risk premium:

Assumptions of independent sources were taken into account for the calculation of the specific country risk premium. The risk associated with the activity in each market (Greece, Bulgaria, etc.), as stated in each specific country risk premium, is included in the Cost of Equity of each company.

o Equity risk premium:

The calculation of the equity risk premium was based on assumptions by independent sources. Betas are evaluated annually based on published market data.

Apart from the above considerations concerning the determination of the value in use of CGUs, no other changes that may affect the rest of the assumptions have come to the Management's attention. Below are the main assumptions adopted by the Management for the estimation of future cash flows, so as to determine the value in use and perform impairment tests:

Key business plans assumptions WACC Perpetuity growth
30/06/2020 31/12/2019 30/06/2020 31/12/2019
Food and Dairy 8.6%-9.0% 7.4%-7.9% 1.6% 1.6%
Transportation 9.8% 9.9% 1.6% 1.6%

The impairments for the year at Group and Company level are presented in note 27 to the financial statements.

Sensitivity analysis of recoverable amounts:

The Management is not currently aware of any other event or condition that could reasonably affect any of the key assumptions underlying the determination of the recoverable amount of the CGUs. Nevertheless, on 30/06/2020, the Group analyzed the sensitivity of the recoverable amounts per CGU through changes in some of the key assumptions disclosed in note 10.3 (Indicatively a change: (i) a percentage point in EBITDA up to 2024 and half a percentage point to EBITDA in perpetuity, (ii) a percentage point in the discount rate up to 2024 and half a percentage point in the discount rate in perpetuity or (iii) a half-percentage point growth rate in perpetuity). From the relevant analysis it arises that in the case of the above changes an amount of impairment for the Group between € 7.6 m to a maximum of € 21.9 m may result and which concerns the operating segments "Food and Dairy" and "Transportation".

11 INTANGIBLE ASSETS

The intangible assets at Group level as at 30/06/2020 and 31/12/2019 are briefly presented in the following tables:

THE GROUP
Amounts in € '000 Brand
Names
Computer
Software
Suppliers/
distribution
agreements
Know
How
Other Total
Gross book value as of 01/01/2020 230,330 29,989 4,702 7,415 43,274 315,710
Additions 3 512 - - 3 518
Additions of assets classified as held for sale - 3 - - 1,052 1,055
Assets classified as held for sale (12,806) (4,595) - - (32,042) (49,443)
Impairment of intangible assets (11,200) - - - - (11,200)
Other movements/Reclassifications - 4 - - (4) -
Gross book value as of 30/06/2020 206,327 25,913 4,702 7,415 12,283 256,640
Accumulated depreciation as of 01/01/2020 (10,410) (23,430) (4,702) (7,415) (32,629) (78,586)
Depreciation charge (279) (794) - - (621) (1,694)
Depreciation of assets classified as held for sale - (203) - - (423) (626)
Accumulated depreciations of assets classified as held for
sale
- 4,261 - - 25,200 29,461
Other movements/Reclassifications - (4) - - 4 -
Accumulated depreciation as of 30/06/2020 (10,689) (20,170) (4,702) (7,415) (8,469) (51,445)
Net book value as of 30/06/2020 195,638 5,743 - - 3,814 205,195
THE GROUP
Amounts in € '000 Brand
Names
Computer
Software
Suppliers /
distribution
agreements
Know
How
Other Total
Gross book value as of 01/01/2019 230,908 26,501 4,702 7,415 39,220 308,746
Additions - 2,250 - - 4,170 6,420
Disposals - (45) - - (282) (327)
Disposals from Sale of subsidiaries - (4) - - - (4)
Impairment of intangible assets (600) - - - (59) (659)
Other movements/Reclassifications 22 1,287 - - 225 1,534
Gross book value as of 31/12/2019 230,330 29,989 4,702 7,415 43,274 315,710
Accumulated depreciation as of 01/01/2019 (9,812) (21,584) (4,702) (7,415) (30,087) (73,600)
Depreciation charge (576) (1,874) - - (2,824) (5,274)
Depreciation of disposals - 1 - - 282 283
Depreciation charges of sold subsidiaries - 4 - - - 4
Exchange differences on cost - (1) - - - (1)
Other movements/Reclassifications (22) 24 - - - 2
Accumulated depreciation as of 31/12/2019 (10,410) (23,430) (4,702) (7,415) (32,629) (78,586)
Νet book value as of 31/12/2019 219,920 6,559 - - 10,645 237,124

Within the period, total impairment losses of intangible assets of € 11,200k (31/12/2019: € 659k) were recognized, which have impacted the Group's consolidated results from continuing operations (see note 27). This amount relates in full to impairment losses on intangible assets with an indefinite useful life.

The intangible assets at Company level as at 30/06/2020 και την 31/12/2019 are briefly presented in the following table and pertain solely to software programs:

THE COMPANY
30/06/2020 31/12/2019
731 693
- 38
731 731
(691) (684)
(4) (7)
(695) (691)
36 40

12 INVESTMENTS IN SUBSIDIARIES

The Company's subsidiaries are presented in note 2.

The analysis of the movement in "Investments in subsidiaries" account as at 30/06/2020 and 31/12/2019 is as follows:

THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019
Opening balance 774,635 782,092
Changes in share capital of subsidiaries 38 (10,363)
Disposals of subsidiaries - 4,131
Loss from investment in subsidiaries and associates at fair
value recognised in profit and loss
(163,676) (1,225)
Closing balance 610,997 774,635

On 30/06/2020, the Company conducted a relevant impairment test on investments in subsidiaries, as it was assessed that there are relevant indications of impairment (see note 10.2.2).

During the period that ended on 30/06/2020 an impairment arose on the value of investments in subsidiaries amounting to € 163,676k which is included in the "Income/(Expenses) from investments in subsidiaries & other financial assets" of the company's Income Statement. The impairment loss is due to changes in the Management's assumptions in the preparation of business plans related to the operation of the individual companies as well as the discount rate.

13 INVESTMENT PROPERTY

The Group's investment property is defined based on the fair value method of IAS 40 as follows:

THE GROUP
Amounts in € '000 30/06/2020 31/12/2019
Opening net book value 260,042 259,786
Additions 547 1,138
Fair value adjustments Investment properties (9,465) (882)
Closing net book value 251,124 260,042

Investment property as of 30/06/2020 includes the properties of the subsidiary RKB amounting to € 251,124k. These properties are burdened with liens securing borrowing of RKB (see note 31.2). Within the six-month period, the Group performed a reassessment of the fair value of RKB's investment property by appointing an independent real estate appraisal firm. Following the reassessment of the said investment property, a decrease in fair value arose, amounting to € 9,465 k that is included in the item "Other operating expenses" of the consolidated Income Statement for the period 01/01-30/06/2020.

Moreover, the following amounts, related to the investment properties, have been recognized in the Income Statement for the year:

THE GROUP
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Ιncome from leases from investment property 4,582 5,295
Operating expenses related to investment property from which the
Group received income from leasing
1,452 1,604
Operating expenses related to investment property from which the
Group did not received income from leasing
836 795

14 OTHER NON-CURRENT ASSETS

The other non-current assets for the Group and the Company are presented as follows:

THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Guarantees 3,380 3,757 23 23
Other long-term receivables 1,330 1,389 - -
Loans to related companies - - 7,538 7,538
Other long-term receivables from related parties - - 251,836 251,836
Less:Impairment provisions - - (93,203) (78,781)
Net book value 4,710 5,146 166,194 180,616

The amount of € 251,836k that was raised in 2014 from MIG's CBL was used in order to settle loan liabilities of its subsidiary RKB to PIRAEUS BANK S.A., for which MIG's company guarantee had been provided. PIRAEUS BANK S.A. has agreed for the Company to substitute PIRAEUS BANK S.A. regarding the loan liabilities which were settled in compliance with applicable legislation and established practices.

Changes in provision for impairment regarding the Company as at 30/06/2020 and 31/12/2019 are presented below as follows:

THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019
Balance at the beginning (78,781) (77,318)
Additional provisions (14,422) (1,463)
Closing balance (93,203) (78,781)

15 DEFERRED TAX ASSETS AND OBLIGATIONS

Deferred income tax occurs from temporary differences between the book value and the tax bases of the assets and liabilities and is calculated based on the tax rate which is expected to be applicable in the financial years when the temporary taxable and deductible differences are predicted to be reversed.

Deferred tax assets and liabilities are offset when an applicable legal right exists to offset current tax assets against current tax liabilities and when the deferred taxes refer to the same tax authority. A deferred tax asset is recognized in respect to tax losses carried forward to the extent that the realization of a relevant tax benefit is possible through future taxable profits.

The offset amounts for the Group are the following:

THE GROUP
30/06/2020 31/12/2019
Amounts in € '000 Deferred Tax
Assets
Deferred Tax
Liabilities
Deferred Tax
Assets
Deferred Tax
Liabilities
Tangible assets - 32,747 - 34,066
Intangible assets - 46,026 - 50,930
Long-term investments 306 - 306 -
Trade and other receivables 3,910 - 3,851 -
Other assets 407 - 223 472
Retained earnings 3,243 1 3,296 1
Accrued pension and retirement obligations 3,821 - 4,346 -
Other long-term liabilities 2,263 831 2,281 1,236
Other current liabilities - 29 1,225 -
Total 13,950 79,634 15,528 86,705
Off set deferred tax assets & liabilities 491 491 497 497
Deferred tax asset / (liability) 14,441 80,125 16,025 87,202

It is noted that a deferred tax asset amounting to € 3,243k has been recognized only in that part of the losses for which the Management estimates with reasonable certainty that they will be offset with future taxable profits within the following five year period.

16 TRADE AND OTHER RECEIVABLES

Trade and other receivables of the Group are analyzed as follows:

THE GROUP
Amounts in € '000 30/06/2020 31/12/2019
Trade receivables 216,819 251,990
Intercompany accounts receivable 281 1,172
Notes receivable 227 482
Checks receivable 52,098 46,014
Less:Impairment provisions (93,646) (131,236)
Net trade receivables 175,779 168,422
Advances to suppliers 9,069 8,020
Less:Impairment provisions (1,204) (1,204)
Total 183,644
175,238

In respect to trade receivables amounting to € 101,460k of VIVARTIA group, the Group has received client guarantees amounting to € 16,040k (31/12/2019: € 15,977k).

Changes in provisions for bad trade receivables of the Group within the years ended as at 30/06/2020 and 31/12/2019 are as follows:

THE GROUP
Amounts in € '000 30/06/2020 31/12/2019
Opening balance (132,440) (132,170)
Additional provisions (1,292) (1,862)
Utilised provisions 417 1,650
Transfer from/to disposal groups held for sale 38,466 -
Exchange differences (1) (58)
Closing balance (94,850) (132,440)

17 CASH, CASH EQUIVALENTS AND RESTRICTED CASH

The Group's and the Company's cash, cash equivalents and restricted deposits are analyzed as follows:

THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Cash in hand 3,265 3,519 6 7
Cash equivalent balance in bank 107,956 154,628 237 112
Time deposits - 1,220 - 1,220
Blocked deposits 3,646 10,571 388 977
Total cash, cash equivalents and restricted cash 114,867 169,938 631 2,316
Cash, cash equivalents and restricted cash in € 107,856 159,916 630 2,315
Cash, cash equivalents and restricted cash in foreign currency 7,011 10,022 1 1
Total cash, cash equivalents and restricted cash 114,867 169,938 631 2,316

Bank deposits receive a floating interest rate which is based on the banks' monthly deposit interest rates. The interest income on sight and time deposits is accounted for on an accrued basis and is included in "Financial Income" in the Income Statement.

From the restricted deposits of the Group, an amount of € 3,258k (31/12/2019: € 9,645k) pertains to guarantees for credit facilities of the Group's subsidiaries. The relevant amount for the Company is € 0k (31/12/2019: € 589k).

18 SHARE CAPITAL AND SHARE PREMIUM

The Company's share capital as at 30/06/2020 stands at € 281,853,224.40 fully paid and divided into 939,510,748 ordinary registered shares of € 0.30 nominal value each. Every share of the Company provides one voting right. On 30/06/2020 the share premium account stands at € 3,874,689k. The decision, made as of 04/09/2020 Regular General Meeting of Shareholders approved the partial offset of the Company's share premium reserve by € 3,945,296k for writing off equal losses of previous years, pursuant to article 35 para. 3 of L. 4548/2018, as amended by article 49 para. 4 of L. 4587/2018.

19 OTHER RESERVES AND FAIR VALUE RESERVES

The Group's other reserves are analyzed as follows:

THE GROUP
Amounts in € '000 Statutory
Reserve
Special
reserves
Other
reserves
Translation
reserves
Total
Opening Balance as of 01/01/2020 32,140 501 381 (68) 32,954
Exchange differences - - - (40) (40)
Closing balance as of 30/06/2020 32,140 501 381 (108) 32,914
THE GROUP
Amounts in € '000 Statutory
Reserve
Special
reserves
Other
reserves
Translation
reserves
Total
Opening Balance as of 01/01/2019 32,140 501 381 (66) 32,956
Exchange differences - - - (1) (1)
Closing balance as of 30/06/2019 32,140 501 381 (67) 32,955

The Company's other reserves are analyzed as follows:

THE COMPANY
Amounts in € '000 Statutory
Reserve
Special reserves Other reserves Total
Opening Balance as of 01/01/2020 32,140 501 307 32,948
Current period movements - - - -
Closing balance as of 30/06/2020 32,140 501 307 32,948
THE COMPANY
Amounts in € '000 Statutory
Reserve
Special reserves Other reserves Total
Opening Balance as of 01/01/2019 32,140 501 307 32,948
Current period movements - - - -
Closing balance as of 30/06/2019 32,140 501 307 32,948

The Group's fair value reserves are analyzed as follows:

THE GROUP
30/06/2020 30/06/2019
Amounts in € '000 Cash flow hedge Cash flow hedge
Opening balance 1,416 (10,034)
Gains/(Losses) transferred to P&L - 798
Cash flow hedge (14,652) 9,170
Closing balance (13,236) (66)

20 BORROWINGS

The Group's and the Company's borrowings on 30/06/2020 are analyzed as follows:
-- -- -- -- -- -- -- -- --------------------------------------------------------------------------------- -- -- -- -- --
THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Long-term borrowings
Bank loans 119,821 122,703 - -
Bonds 965,277 990,585 228,750 228,750
Convertible bonds 295,105 295,105 295,105 295,105
Other loan 648 - - -
Less: Long-term loans payable in the next 12
months
(325,173) (331,631) (228,750) (228,750)
Total long-term borrowings 1,055,678 1,076,762 295,105 295,105
THE GROUP THE COMPANY
Amounts in € '000 30/06/2020
31/12/2019
30/06/2020 31/12/2019
Short-term borrowings
Bank loans 64,572 70,314 25,000 25,000
Other loans - - 2,120 1,320
Plus: Long-term loans payable in the next 12
months
325,173 331,631 228,750 228,750
Total short-term borrowings 389,745 401,945 255,870 255,070

The total financial cost of the long-term and short-term loan liabilities as well as finance leases for the six-month period 01/01-30/06/2020 (and the respective comparative period) is included in "Financial expenses" of the consolidated and separate Income Statement.

The Group's average borrowing interest rate for the six-month period ending on 30/06/2020 amounted to (a) 3.73% (2019: 3.85%) regarding long term loans and (b) 4.73% (2019: 5.10%) regarding short term loans.

The long-term and short-term liabilities of the Group as of 30/06/2020, include principal and interest liabilities (see note 3.1) of a total amount of € 107,926k of a Group's subsidiary, for which the Management is, at the date of approval of the attached financial statements, in the process of discussions with the creditor bank, with the aim of restructuring the terms of the loan obligations. For loan liabilities of the Company amounting to € 253,750k by extension contractually payable on 31/12/2020, as well as loan liabilities of the Company amounting to € 295,105k contractually payable on 31/07/2021, under the Restructuring Agreement that the Company has concluded, which presupposes the observance of commitments, the Management examines their refinancing and / or repayment through the disposal of assets.

(a) Loans of the Company (MIG):

Common Bond Loan of € 115,000k

On 18/03/2015, MIG signed the issue of a new Common Bond Loan amounting up to € 115,000k in two tranches, where PIRAEUS BANK S.A. assumed the obligation to cover it, in order for MIG to refinance equivalent existing debt towards the credit institution. The issuance of the first tranche worth € 100,000k was completed on 19/03/2015, while the issuance of the second tranche worth € 15,000k was completed on 21/10/2016. The duration of the loan is 3 years, maturing in October 2019. The interest rate was defined at 6-month Euribor plus 4.10% spread, which has gradually increased, reaching 5.25% in the last year.

The loan balance as at 30/06/2020 stands at € 86,250k, following the payment of the due instalments totaling € 28,750k on 28/12/2018. The loan balance is contractually payable on 31/12/2020.

Common bond loan of € 150,000k

On 21/10/2016 MIG signed the issue of a common bond loan amounting up to € 150,000k where EUROBANK ERGASIAS S.A., assumed the obligation to cover it, in order for MIG to refinance equivalent existing debt towards the credit institution. The duration of the loan is 3 years, maturing in October 2019. The interest rate was defined at 6-month Euribor plus 4.40% spread, which has gradually increased, reaching 5.25% in the last year.

On 02/12/2016, EUROBANK ERGASIAS S.A., amended the common bond loan issued by the Company amounting to € 150,000k to Investment Funds managed by FORTRESS which on 24/12/2018 were transferred to legal entity CF Aegean Investments Designated Activity Company. Following, on 23/10/2019, CF Aegean Investments Designated Activity Company transferred the total of common bond loan to PIRAEUS BANK S.A.

As of 30/06/2020, the remaining amount stands at € 142,500k following the payment of the first instalment amounting to € 7,500k as at 30/06/2017 and the total balance of the loan is contractually payable on 31/12/2020.

To secure the aforementioned bond loans amounting to a total of € 228.8 m as of 30/06/2020, a first and second class pledge has been set up on all the shares of the companies ATTICA and VIVARTIA owned (directly and indirectly) by the Company. The Company retains the voting rights of the aforementioned shares, though the pledge extends to rights and benefits of the above securities with the possibility of being attributed to the Company.

Convertible bond loan of € 425,200k

On 27/07/2017, the Board of Directors of MIG specified the terms of the new Convertible Bond Loan (CBL), the issuance of which was resolved by the 2nd Reiterative Annual General Meeting of 10/07/2017. The aggregate amount of the CBL may not exceed the amount of € 460,302k divided into a maximum number of 1,534,340,000 bonds of a par value of € 0.30 each convertible into shares.

Bondholders may ask for conversion of their bonds into shares of the Company for the first time twelve (12) months following the issuance date of the CBL and, subsequently, at every monthly anniversary throughout the term of the CBL, upon written notice to the Company (hereinafter referred to as the "Conversion Notice Day"). In such case, the Company shall have an early repayment right in respect of the entire number (and not part of) the bonds for which the conversion right is exercised, within fifteen (15) working days starting from the day following the Conversion Notice Day. If the time-limit in question expires without any action, said bonds will be converted on the twentieth (20th) working day after the Conversion Notice Day (hereinafter referred to as the "Conversion Day"). If, on the day prior to the Conversion Notice Day, the stock market price of the share is lower than its nominal value (€ 0.30), the Company, upon bondholders' request will proceed to all appropriate corporate actions, including reducing the number of shares (reverse split) and at the same time reducing the share capital, by reducing the nominal value of each share for the purpose of writing off loss, in order to cause a readjustment of the stock market price to at least thirty cents (€ 0.30), which shall then constitute the conversion price. In such case, the Conversion Day will be subsequent to the completion of the relevant corporate actions. On 28/07/2017, MIG signed the Convertible Bond Loan Issuance Programme Plan up to the amount of € 460,250k. The new CBL is not listed for trading on the Athens Exchange.

CBL maturity was set at 4 years with the possibility of early repayment on every monthly repayment period date throughout the CBL maturity and, in particular, in the case of exercise of the conversion

right. The CBL interest-rate shall be 12-month EURIBOR plus 4% spread. According to the CBL Programme, the Company has the option to recapitalise part of any interest due, at its absolute discretion, through issuance of up to 116,833,849 additional bonds (PIK Bonds) of a par value of € 0.30 each convertible into Company's shares. The agreement includes terms relating to the issuer's obligations and constraints, termination events, compliance with financial covenants and disposal of Group assets after obtaining any required consents from other interested parties. To secure the CBL, a third-class pledge has been set up on all the shares of the companies ATTICA and VIVARTIA owned (direct and indirect) by the Company.

The Group proceeded to early repayment of CBL within the second half of 2018 amounting to € 136,617k from the HYGEIA disposal and amounting to € 2,100k within the first half of 2019 from the CTDC disposal. Therefore, on 30/06/2020, the balance of the loan amounts to € 295,105k and it is contractually payable on 31/07/2021.

Other short-term loan obligations

Other short-term loan obligations of the parent include a credit agreement with an open revolving account, the balance of which on 30/06/2020 amounted to € 25,000k contractually payable on 31/12/2020. In order to secure this credit, a fourth class pledge has been set up on all the shares of the companies ATTICA and VIVARTIA owned (direct and indirect) of the Company.

(b) VIVARTIA group loans

As at 30/06/2020, VIVARTIA group total loan liabilities amounted to € 423,312k, of which an amount of € 372,875k pertains to long-term debt obligations, while an amount of € 50,437k pertains to shortterm debt obligations. It is to be noted that in the first half of 2018, VIVARTIA group finalized capital and interest restructuring of its Common Syndicated Bond Loans. The management of the VIVARTIA group received the consent of the bond lenders for the non-compliance with financial ratios of the common bond loans concerning the Food Services and Dairy sub-sectors on 30/06/2020.

(c) ATTICA group loans

On 30/06/2020, ATTICA group loans stood at € 399,944k, of which € 10,558k are short-term loan liabilities.

(d) RKB loans

On 30/06/2020, RKB's bank loans stood at € 75.0 m and pertained to short-term loan liabilities, while Group's other current liabilities also include accrued interest amounting to € 32.9 m.

The above loan was issued in 24/06/2008 and its terms provide for termination events including, amongst others, overdue payments, financial covenants and noncompliance with the general and financial assurances which have been provided. Also, to ensure the above loan, RKB real estate properties were pledged.

The Group's Management is in the process of negotiations regarding the refinancing of the above loan. Already, by the date of approval of the attached semi-annual financial statements, the management has received in writing the provision of consent for the postponement of actions until 31/12/2020 on behalf of the creditor.

20.1 Table of loan liabilities future repayments

Regarding the long-term and short-term loans, the table below presents future repayments for the Group and the Company on 30/06/2020 and 31/12/2019.

THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Within 1 year 389,745 401,945 255,870 255,070
After 1 year but not more than 2 years 347,591 372,415 295,105 295,105
After 2 years but not more than 3 years 123,071 118,307 - -
After 3 years but not more than 4 years 105,982 106,592 - -
After 4 years but not more than 5 years 479,034 479,448 - -
1,445,423 1,478,707 550,975 550,175

20.2 Lease liabilities

Future minimum payments for finance leases in connection with the present value of net minimum lease payments for the Group and the Company on 30/06/2020 and 31/12/2019 are as follows:

THE GROUP THE COMPANY
30/06/2020
31/12/2019
30/06/2020 31/12/2019
Amounts in € '000 Future
minimum
lease
payments
Net
present
value
Future
minimum
lease
payments
Net
present
value
Future
minimum
lease
payments
Net
present
value
Future
minimum
lease
payments
Net
present
value
Within 1year 12,282 11,687 13,620 12,825 193 162 132 97
After 1year but not more than 5 years 35,572 31,507 38,599 34,307 585 538 685 623
More than five years 34,611 19,738 37,207 21,229 - - - -
Total of future minimum lease
payments
82,465 62,932 89,426 68,361 778 700 817 720
Less: Interest expenses (19,533) - (21,065) - (78) - (97) -
Total of Present value of future
minimum lease payments
62,932 62,932 68,361 68,361 700 700 720 720

The total financial cost of the long-term and short-term loan liabilities as well as of the finance lease obligations for the period ended on 30/06/2020 is included in the account "Financial expenses" of the consolidated and separate Income Statement.

The Group has chosen not to recognize lease liabilities for short-term leases (leases with a maturity less than 12 months) or for low-value leases. Lease payments for these leases are recognized as an expense in the Income Statement using the fixed method. In addition, specific variable leases are not included in the initial recognition of lease liabilities and are recognized as an expense in the Income Statement, as they occur. Variable leases include, inter alia, leases determined on the basis of sales from the use of the identified asset.

The expense related to the payment of leases that is not included in the measurement of lease liabilities which was recognized in the Income Statement for the six-month period 01/01-30/06/2020 amounted to € 1,917k (01/01-30/06/2019: € 4,729k ) and € 31k (01/01-30/06/2019: € 85k) for the Group and Company, respectively.

On 30/06/2020, the total commitments of the Group and the Company for short-term leases amounted to € 16,712k and € 7k, respectively.

The total cash outflows for leases for the period 01/01-30/06/2020 amounted to € 5,263k and € 39k for the Group and the Company, respectively.

21 FINANCIAL DERIVATIVES

As of 30/06/2020, financial derivatives amounted to receivables of € 841k and liabilities of € 18,628k versus receivables of € 3,375k as at 31/12/2019. The derivatives in question pertain to hedging actions on fuel price fluctuations undertaken by ATTICA group. The items in question are recorded at fair value.

22 PROVISIONS

THE GROUP
30/06/2020 31/12/2019
Amounts in € '000 Other
provisions
Provision of
affairs sub
judice
Total Other
provisions
Provision
of affairs
sub judice
Total
Opening Balance 2,573 1,469 4,042 816 2,981 3,797
Additional provisions 14 400 414 1,800 - 1,800
Utilised provisions (67) - (67) (22) (1,512) (1,534)
Transfer from disposal groups
classified as held for sale
(300) (103) (403) - - -
Reclassification - - - (21) - (21)
Closing balance 2,220 1,766 3,986 2,573 1,469 4,042
Non-Current Provisions 2,220 1,766 3,986 2,220 1,366 3,586
Current provisions - - - 353 103 456
2,220 1,766 3,986 2,573 1,469 4,042

The table below presents an analysis of the changes in the provisions account of the Group:

Apart from the analysis based on the nature of the commitment, the table above also presents the analysis based on the expected timing of the outflow (presenting the distinction between current and non – current provisions). More specifically with regards to the non-current provisions, it is noted that these are not presented at discount, since there is no estimate in respect to the timing of their payment.

Provisions for court litigations:

Provisions for court litigations regarding the Group amounting, as at 30/06/2020, to € 1,766k, mainly pertain to (a) an amount of € 1,141k pertains to provisions made by ATTICA group, mainly in respect to compensation to sailors previously employed on the group's vessels and (b) an amount of € 625k pertains to provisions made by VIVARTIA group.

Other provisions:

Other provisions of the Group amount to € 2,220k on 30/06/2020. This category refers to various provisions in respect to risks in VIVARTIA and ATTICA groups' companies, none of which is unilaterally significant compared to the financial size of the consolidated financial statements.

23 SUPPLIERS AND OTHER LIABILITIES

The Group's trade payables are analyzed as follows:

THE GROUP
Amounts in € '000 30/06/2020 31/12/2019
Suppliers 116,660 122,999
Checks Payable 145 264
Customers' Advances 4,157 6,009
Other Liabilities 2,200 2,170
Total 123,162 131,442

There is no analysis of the Company's trade payables since the Company is a holding company.

24 OTHER SHORT-TERM LIABILITIES

THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Deferred income-Grants 17,983 14,235 - -
Social security insurance 12,698 11,326 46 95
Other Tax liabilities 39,091 29,208 137 218
Dividends payable 2,145 3,377 - -
Salaries and wages payable 5,696 6,107 - -
Accrued expenses 16,236 11,157 857 663
Others Liabilities 12,518 12,597 4,946 4,135
Obligation arising from tangible assets acquisitions 593 731 - -
Accrued Interest expenses 74,581 60,687 36,111 23,550
Total 181,541 149,425 42,097 28,661

The Group's and the Company's other short-term liabilities are analyzed as follows:

The accrued interest expenses account includes an interest amount due by Group subsidiaries of approximately € 32.9 m which, as at 30/06/2020, has not been paid as part of the negotiating process for the refinancing of the loan liabilities of the Group with its lending banks.

25 SALES

The Group's sales are analyzed as follows:

THE GROUP
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Marine transports 113,181 157,586
Sales of goods 214,168 238,438
Sales of merchandises 43,902 45,561
Sales of raw materials 3,044 4,475
Income from services provided 5,729 6,953
Total from continuing operations 380,024 453,013
Total from discontinued operations 13,750 26,629
Total 393,774 479,642

Allocation of revenue from sales by the Group's operating segments is presented in note 8.

26 COST OF SALES – ADMINISTRATIVE – DISTRIBUTION EXPENSES

The cost of sales, administrative and distribution expenses of the Group are analyzed as follows:

THE GROUP
01/01-30/06/2020 01/01-30/06/2019
Amounts in € '000 Cost of
sales
Administrative
expenses
Distribution
expenses
Total Cost of
sales
Administrative
expenses
Distribution
expenses
Total
Wages, retirement and other
employee benefits
53,463 22,784 21,326 97,573 65,463 26,157 25,921 117,541
Inventory cost 128,668 10 335 129,013 133,021 18 594 133,633
Tangible assets depreciation 30,250 2,324 2,423 34,997 30,048 1,440 2,658 34,146
Intangible assets depreciation 322 997 388 1,707 333 811 502 1,646
Right-of-use assets depreciations 2,804 922 2,464 6,190 1,706 906 2,200 4,812
Third party expenses 1,283 4,773 1,254 7,310 1,105 4,933 1,521 7,559
Third party benefits 8,331 795 1,943 11,069 9,693 773 2,205 12,671
Operating leases rentals 797 157 963 1,917 1,788 408 2,533 4,729
Taxes & Duties 431 242 452 1,125 541 183 587 1,311
Fuels - Lubricants 46,402 6 - 46,408 66,110 10 - 66,120
Provisions 325 400 1,200 1,925 291 - 771 1,062
Insurance 3,409 887 205 4,501 3,442 764 212 4,418
Repairs and maintenance 15,078 1,232 1,038 17,348 15,004 1,552 1,049 17,605
Other advertising and promotion
expenses
3,003 62 7,103 10,168 3,932 156 6,673 10,761
Sales commission - - 18,070 18,070 - - 20,968 20,968
Port expenses 5,155 - - 5,155 6,437 - - 6,437
Other expenses 1,566 2,147 2,106 5,819 3,537 2,085 2,305 7,927
Transportation expenses 2,841 235 7,890 10,966 3,222 193 7,505 10,920
Consumables 3,058 165 508 3,731 3,246 161 523 3,930
Total costs from continuing
operations
307,186 38,138 69,668 414,992 348,919 40,550 78,727 468,196
Total costs from discontinued
operations
10,597 2,006 3,169 15,772 19,794 3,948 4,219 27,961
Total 317,783 40,144 72,837 430,764 368,713 44,498 82,946 496,157

The Company's operating expenses are analyzed as follows:

THE COMPANY
01/01-30/06/2020 01/01-30/06/2019
Amounts in € '000 Fees and
other
expenses
to third
parties
Wages,
salaries
and social
security
costs
Other
operating
expenses
Total Fees and
other
expenses
to third
parties
Wages,
salaries
and social
security
costs
Other
operating
expenses
Total
Wages, retirement and other employee benefits - 1,966 - 1,966 - 2,820 - 2,820
Third party expenses 776 - 263 1,039 699 - 276 975
Third party benefits - - 10 10 - - 29 29
Operating leases rentals - - 31 31 - - 85 85
Taxes & Duties - - 20 20 - - 2 2
Insurance - - 351 351 - - 350 350
Repairs and maintenance - - 142 142 - - 196 196
Other advertising and promotion expenses 24 - - 24 348 - - 348
Other expenses - - 102 102 2 - 168 170
Total 800 1,966 919 3,685 1,049 2,820 1,106 4,975

27 OTHER FINANCIAL RESULTS

The Group's and the Company's other financial results are analyzed as follows:

THE GROUP
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Profit / (loss) from financial instruments measured at fair value through
profit/loss
(70) 49
Impairment losses of assets (21,200) (4,046)
Results from derivatives (12,510) 1,312
Foreign exchange profit/(loss) 6 (42)
Other financial results (2) 98
Other financial results income from continuing operations (33,776) (2,629)
Other financial results income from discontinued operations (23) 4,798
Total other financial results (33,799) 2,169
THE COMPANY
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Profit/(loss) from sale of subsidiaries and associates - 3,931
Impairment losses of investments and other assets (178,644) -
Total income/(expenses) from investments in subsidiaries & other
financial assets
(178,644) 3,931
Foreign exchange profit/(loss) (1) (1)
Total income/(expenses) from financial assets at fair value through
profit or loss
(1) (1)

The impairment recognized burdening the consolidated and separate results in the period 01/01- 30/06/2020 and the respective comparative six-month is further analyzed as follows:

THE GROUP THE COMPANY
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Impairment loss of:
Intangible assets 11,200 - - -
Tangible assets 535 4,046 - -
Investments in subsidiaries - - 163,676 -
Other assets 9,465 - 14,968 -
Total impairment losses 21,200 4,046 178,644 -

28 EARNINGS PER SHARE

Basic earnings per share for the period 01/01-30/06/2020 and for the respective comparable six-month period for continuing and discontinued operations were calculated as follows:

THE GROUP THE COMPANY
(a) Basic earnings/(loss) per share (amounts in € '000) 01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Profit/(Loss)
Profit/(loss) attributable to owners of the parent company
from continuing operations
(77,459) (37,545) (194,361) (12,580)
Profit/(loss) attributable to owners of the parent company
from discontinued operations
(8,475) 3,747 - -
Profit/(loss) attributable to owners of the parent
company for the purposes of basic earnings per share
(85,934) (33,798) (194,361) (12,580)
THE GROUP THE COMPANY
01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Number of shares
Weight average number of shares for the basic
earnings/(loss) per share
939,510,748 939,510,748 939,510,748 939,510,748
Basic earnings/(loss) per share (€ per share) from
continuing operations
(0.0824) (0.0400) (0.2069) (0.0134)
Basic earnings/(loss) per share (€ per share) from
discontinued operations
(0.0090) 0.0040 - -
Basic earnings/(loss) per share (€ per share) (0.0914) (0.0360) (0.2069) (0.0134)

As at 30/06/2020, the Convertible Securities of the CBL of the Company are a class of potential share securities which could reduce earnings per share. In particular, in the context of the calculation of the diluted earnings per share, it is considered that the convertible securities have been converted to common shares and the net profit or loss is adjusted in order to eliminate interest expenses.

Diluted earnings per share for the period 01/01-30/06/2020 and the respective comparative six-month period regarding continuing and discontinued operations were calculated as follows:

THE GROUP THE COMPANY
(b) Diluted earnings/(loss) per share (amounts in € '000) 01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Profit/(Loss)
Profit/(loss) attributable to owners of the parent company
from continuing operations
(77,459) (37,545) (194,361) (12,580)
Profit/(loss) attributable to owners of the parent company
from discontinued operations
(8,475) 3,747 - -
Profit/(loss) attributable to owners of the parent
company for the purposes of diluted earnings per share
(85,934) (33,798) (194,361) (12,580)
Interest expense of convertible bonds 5,262 5,348 5,262 5,348
Number of shares
Weight average number of shares for the basic
earnings/(loss) per share
939,510,748 939,510,748 939,510,748 939,510,748
Effect of dilution
Plus: Increase in number of shares from due to probable
exercise of convertible bonds
3,278,941,047 3,292,888,905 3,278,941,047 3,292,888,905
Weight average number of shares for the diluted
earnings/(loss) per share
4,218,451,795 4,232,399,653 4,218,451,795 4,232,399,653
Diluted earnings/(loss) per share (€ per share) from
continuing operations
(0.0171) (0.0076) (0.0448) (0.0017)
Diluted earnings/(loss) per share (€ per share) from
discontinued operations
(0.0020) 0.0009 - -
Diluted earnings/(loss) per share (€ per share) (0.0191) (0.0067) (0.0448) (0.0017)

29 ANALYSIS OF TAX EFFECTS ON OTHER COMPREHENSIVE INCOME

The tax effect of other comprehensive income on the Group is analyzed as follows:

THE GROUP
30/06/2020 30/06/2019
Amounts in €'000 Before
tax
amount
Tax
(expense)
/benefit
Net of
tax
amount
Before
tax
amount
Tax
(expense)
/benefit
Net of tax
amount
Exchange differences on translating foreign
operations
(44) - (44) (1) - (1)
Cash flow hedging (18,458) - (18,458) 11,551 - 11,551
Share of other comprehensive income of equity
accounted investments
13 - 13 (5) - (5)
Other comprehensive income/(expenses) (18,489) - (18,489) 11,545 - 11,545

30 RELATED PARTY TRANSACTIONS

30.1 Company's transactions with subsidiaries

a) Asset accounts THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019
Borrowings and other receivables 8,116 7,981
Other long-term receivables 251,836 251,836
Total 259,952 259,817
b) Liability accounts THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019
Other liabilities 90 136
Borrowings and other liabilities 2,120 1,320
Discontinued operations 56 -
Total 2,266 1,456
c) Income THE COMPANY
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Other income 2 -
Financial income 34 34
Discontinued operations 133 122
Total 169 156
d) Expenses THE COMPANY
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Other expenses 25 295
Discontinued operations 63 95
Total 88 390

30.2 Transactions with other related parties

a) Asset accounts THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Trade and other receivables 16,777 17,390 - -
Cash, cash equivalents & restricted cash 26,473 38,007 436 1,957
Discontinued operations 2,678 - - -
Total 45,928 55,397 436 1,957
b) Liability accounts THE GROUP THE COMPANY
Amounts in € '000 30/06/2020 31/12/2019 30/06/2020 31/12/2019
Trade and other payables 2,127 2,783 114 70
Borrowings 888,389 902,344 584,920 572,299
Discontinued operations 30,190 - - -
Total 920,706 905,127 585,034 572,369
c) Income THE GROUP THE COMPANY
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Other income 663 1,045 - -
Financial income 10 19 - 9
Discontinued operations 249 95 - -
Total 922 1,159 - 9
d) Expenses THE GROUP THE COMPANY
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019 01/01-30/06/2020 01/01-30/06/2019
Other expenses 1,561 812 34 60
Financial expenses 18,765 16,622 12,621 8,597
Discontinued operations 829 498 - -
Total 21,155 17,932 12,655 8,657

30.3 Group's companies eliminated transactions

THE GROUP
Amounts in € '000 30/06/2020 31/12/2019
Assets 265,171 268,191
Liabilities (265,171) (268,191)
Total - -
THE GROUP
Amounts in € '000 01/01-30/06/2020 01/01-30/06/2019
Sales 8,657 12,880
Operating income/(expenses) (9,005) (13,192)
Financial income 167 156
Financial expenses (34) (34)
Sales (discontinued operations) 357 341
Operating income/(expenses) (discontinued
operations)
(9) (29)
Financial expenses (discontinued operations) (133) (122)
Total - -

30.4 The most significant transactions and outstanding balances of the Company and the Group

The most significant transactions and outstanding balances between the Company and related parties on 30/06/2020, in compliance with the provisions of IAS 24, are as follows:

Amounts in € '000 ASSETS LIABILITIES INCOME EXPENSES
ATTICA Subsidiary 2 - -
VIVARTIA Subsidiary 1,718 801 36 4
SINGULARLOGIC Subsidiary
Discontinued
operations
6,396 56 133 63
MIG MEDIA S.A. Subsidiary - 89 - 21
JSC ROBNE KUCE BEOGRAD (RKB) Subsidiary 251,836 - -
ATHENIAN ENGINEERING Subsidiary - 1,320 -
PIRAEUS BANK group Οther related parties 436 585,033 - 12,655
TOTAL 260,388 587,299 169 12,743

The most significant transactions and outstanding balances between the Group and related parties on 30/06/2020, in compliance with the provisions of IAS 24, are as follows:

Amounts in € '000 ASSETS LIABILITIES INCOME EXPENSES
Associates and related companies of
SINGULARLOGIC group
Subsidiary
Discontinued
operations
626 47 194 105
Associates and related companies of
VIVARTIA group
Associates and other
related companies
281 832 653 1,463
Associates and related companies of
ATTICA group
Associates and other
related companies
15,948 679 5 -
PIRAEUS BANK group Οther related parties 29,073 919,148 70 19,587
45,928 920,706 922 21,155

30.5 Management remuneration

The remuneration of the executives of the Group includes gross salaries, fees, social security cost, indemnities and other costs and amounts to € 4.2 m for the six-month period that ended on 30/06/2020 and € 4.6 m for the respective comparative period (Company: for the six-month period ended on 30/06/2020 amounts to € 0.8 m plus € 0.2 m termination benefits and € 1.0 m for the respective comparative period). Also, according to the decisions of the General Assemblies, provisions for

benefits following termination of employment amount to € 0.9 m for the six-month period ended on 30/06/2020 and € 1.7 m for the respective comparative period (Company: € 0.3 m for the six-month period ended on 30/06/2020, € 0.7 m for the respective comparative period).

The benefits of the discontinued operations amount to € 0.6 m for the six-month period ended on 30/06/2020 (related to SINGULARLOGIC) and € 1.1 m for the respective comparative period [are related to CTDC (owner of Hilton Cyprus Hotel) and SINGULARLOGIC].

No loans have been provided to the executives of the Group (and their families).

31 CONTINGENT LIABILITIES

31.1 Guarantees

As at 30/06/2020, MIG Group's companies had the following contingent liabilities.

  • VIVARTIA group on 30/06/2020 had the following contingent liabilities:
  • o Issuance of performance guarantees amounting to € 11,440k (31/12/2019: € 11,672k),
  • o Provision of performance guarantees for subsidized investment programs amounting to € 16k (31/12/2019: € 16k),
  • o Provision of guarantees for participation in tenders amounting to € 101k (31/12/2019: € 366k).
  • o Provision of guarantees for the good payment of suppliers amounting to € 1,116k (31/12/2019: €1,380k).
  • ATTICA group on 30/06/2020 had the following contingent liabilities:
  • o Issuance of performance guarantees amounting to € 2,043k (31/12/2019: € 1,220k),
  • o Provision of guarantees for the repayment of trade liabilities amounting to € 578k (31/12/2019: € 578k),
  • o Provision of guarantees for participating in various tenders amounting to € 828k (31/12/2019: € 942k),
  • o Provision of guarantees to the lending banks for the repayment of the group's vessel loans amounting to € 296,739k (31/12/2019: € 299,577k).
  • o Provision of other guarantees amounting to € 783k (31/12/2019: € 739k.).
  • SINGULARLOGIC group (discontinued operation) on 30/06/2020 had the following contingent liabilities:
  • o Issuance of performance guarantees for client contracts amounting to € 2,498k (31/12/2019: € 2,513k),
  • o Issuance of guarantees for the prepayment of State projects amounting to € 3,277k (31/12/2019: € 3,537k),
  • o Provision of guarantees for participating in various tenders amounting to € 75k (31/12/2019: € 229k),
  • o Concession of receivables to lending banks for loan coverage amounting to € 5,692k (31/12/2019: € 8,976k).

31.2 Encumbrances

  • The vessels of ATTICA group have mortgages amounting to approximately € 645,678k (31/12/2019: € 645,678k) as collaterals for mortgage loan liabilities.
  • RKB has pledged its investment properties as collateral for its loans, amounting to € 251,124k (31/12/2019: € 260,042k).
  • DELTA and BARBA STATHIS (subsidiaries of VIVARTIA group) have pledged their trademarks as collateral for their bond loans. Respectively, UNITED MILK COMPANY LTD (a subsidiary of VIVARTIA group) has pledged specific assets in order to secure its bank loans. Regarding

OLYMPIC CATERING S.A., a notional collateral has been created on its productive mechanical equipment to secure its bond loan.

DELTA, GOODY'S and EVEREST (subsidiaries of VIVARTIA group) have pledged their trademarks as collateral for their bond loans.

31.3 Court cases

The Company and its subsidiaries (under their property as defendant and plaintiff) are involved in various court cases and arbitration procedures during their normal operations. The Group makes provisions in the Financial Statements in respect to the pending court cases when it is probable that cash outflows will be required in order to settle the liability and this amount can be estimated reliably.

The Group as of 30/06/2020 has made provisions amounting to € 1,766k (31/12/2019: € 1,469k), in respect to court cases (please refer to note 22). The Management as well as the legal advisors estimate that the outstanding cases, apart from those already provided for, are to be settled without a significant negative impact on the Group's or Company's consolidated financial position or on their operating results.

CPB's Lawsuit against MIG:

Further to MIG's appeal before the International Arbitration Tribunal against the Republic of Cyprus, claiming the amount of € 824 m plus interest and additional damages relating to its investment in CYPRUS POPULAR BANK (CPB), the State-owned bank CPB, which has been under resolution since 2013, filed a lawsuit against MIG (thus including it as the 12th defendant in a lawsuit already filed against 11 persons, among which Mr. A. Vgenopoulos and Messrs. Bouloutas and Magiras) before the Cypriot courts claiming an amount of over € 2 m without specifying a priori the subject of the claim, "reserving its right to specify its claims and damages at a later stage".

On 08/05/2013 an Interim Order (Interim Measures) was issued unilaterally (ex parte), inter alia ordering and forbidding MIG, until a new order is issued, from transferring to or in favor of A. Vgenopoulos, E. Bouloutas and K. Magiras, any assets (kept on their account or to their benefit), including funds, except if the total value of their assets without incumbencies and other securities ("unencumbered value") exceeds the amount of € 3.79 billion.

On 28/06/2013 and 01/07/2013 MIG and A. Vgenopoulos, E. Bouloutas and K. Magiras filed applications for setting aside the procedure (cancellation of the writ of summons).

On 02/07/2013 A. Vgenopoulos, E. Bouloutas and K. Magiras filed an opposition against CPB's application for an interim order. MIG stated that it would not file an opposition and that it would accept the outcome of the oppositions of the other defendants, without admitting the facts included in CPB's application.

On 23/05/2014 the Court issued its interim decisions whereby a) it rejected the applications dated 28/06/2013 and 01/07/2013 for setting aside the procedure and b) rendered the interim orders dated 08/05/2013 absolute against all defendants and in force until the termination of the trial or until an opposite order of the Court and overruled the relevant objections of the defendants.

On 06/06/2014 MIG filed appeals against ( a) the interim decision dated 23/05/2014 on the set aside application and ( b) the interim decision/order dated 23/05/2014 on the interim order application and the relevant objections of the defendants. Both parties have filed appeal outlines and a hearing date is expected to be fixed in 2020.

On 17/07/2014 MIG filed a set aside application due to lack of jurisdiction of the District Court of Nicosia against which CPB filed an opposition. On 11/04/2016 the Court ruled that the burden of proof in the set aside application is borne by the applicants-defendants. On 31/01/2017 the Court

issued a decision according to which the Court accepted its jurisdiction without examining the individual requests and allegations of the applicants, among which the request for a preliminary ruling of the Court of European Union on the matter. On 14/02/2017 MIG and E. Bouloutas and K. Magiras filed an appeal against the above decision for which a pre-trial is expected to be fixed in 2020. The heirs of the late A.Vgenopoulos are expected to formulate their position in a similar way.

With regard to the jurisdiction, MIG obtained and filed with the Court a legal opinion from Professor Andrian Briggs in Private Law in Oxford University who contends that according to the Regulation (EC) 44/2001 the Cypriot Courts lack jurisdiction in this case.

On 15/05/2015 CPB filed an application to amend the statement of claim and MIG, consequently, filed its opposition. The Court with its interim decision dated 08/09/2015, allowed the amendment of the statement of claim which was filed on the same day. By reserving its position on numerous matters, CPB specifies the amount of damages incurred to € 3.99 billion.

On 26/2/2020 CPB filed an application to amend the writ of summons in order that the liquidator of the late A. Vgenopoulos' legacy is added as a litigant party. The next stage of the procedure is the filing of the statement of defense of the defendants.

It is hereby noted that CPB has initiated proceedings for the declaration of enforceability in Greece and in England, of the freezing order dated 23/05/2014, which does not turn against MIG's assets. By decision no. 27/2016 of the Athens one-member Court of First Instance (Voluntary Procedure) the above order was declared enforceable in Greece, as explicitly mentioned in the said decision of the Athens Court of First Instance. Against this decision MIG (together with A. Vgenopoulos, E. Bouloutas and K. Magiras) filed an Appeal before the Athens three-member Court of Appeal (Contentious Jurisdiction) which was finally rejected by decision no. 983/2017 of the Athens threemember Court of Appeal. MIG has filed before the Supreme Court an application for cassation against said decision for which no fixed date of hearing has been set. The other defendants have also filed applications for cassation.

Furthermore, by Order of Judge Leslie of High Court of Justice in England and Wales, Queen's Bench Division, dated 26/02/2015, the above order of the Nicosia District Court was declared enforceable in England and Wales. Upon CPB's relevant application a decision on interim measures was issued according to the provisions of article 47(2) and (3) of Regulation 44/2001 of the Council, which does not concern MIG's assets. MIG together with the above defendants has challenged the above Order of Judge Leslie by filing an appeal, the hearing of which has been adjourned by consecutive orders of the Court until 31/10/2020.

The Company still considers that the obvious aim of CPB's lawsuit against MIG was the defense of the Republic of Cyprus in the international arbitration. According to MIG's legal counsels, CPB's claim and consequently the outcome of the case cannot be assessed at this initial procedural stage, in terms of both illegal acts or omissions and damages, taking into consideration all the circumstances surrounding the case, including other parallel proceedings.

Lawsuit of 1. "Elma Holdings Public Co Ltd", 2. "Liberty Life Insurance Public Company Ltd", 3. "Dodoni Portfolio Investments Public Company Limited" and 4. "Jupiter Portfolio Investments Public Company Limited" vs, inter alia, MIG before the Cypriot courts.

The claimants have turned not only against MIG but also against CPB, the former members of the Board of Directors of "Bank of Cyprus Public Company Ltd", "Dubai Financial Limited Liability Company", "Deutsche Bank A.G. London Branch", "PricewaterhouseCoopers Ltd", "Grant Thornton (Cyprus) Ltd", and the Central Bank of Cyprus. The claimants request compensation for damages allegedly caused by acts or/and omissions of the Board of Directors of CPB and by conspiracy among the Company and other defendants, which led the CPB into a resolution regime and/or termination of

its operations and /or collapse and/or bankruptcy without however making references to specific acts or omissions. The total amount of the requested compensation comes to € 39 m. plus interests and costs.

Following rejection at first instance by the Court of various procedural objections or applications, for which the Company may revert at a later stage according to local procedural rules, the claimants have to file their statement of claim in order to bring forward their claim.

MIG's Management believes that the claim is unsubstantiated, however as its adjudication is still at an early procedural stage and no details of the claim have been provided, MIG's legal counsels are not yet able to formulate an opinion on its outcome.

Criminal case FOCUS

On 25/07/2016 the Attorney General of the Republic of Cyprus filed before the Nicosia District Court the criminal case no. 15161/16 against 10 defendants including MIG. The charge sheet was served on MIG on 08/08/2016. The case concerns a wire transfer of € 1 m made on 27/07/2007 from an account of "Focus Maritime Corporation", a company in which Michael Zolotas has interests, to an account of "A.C. Christodoulou Consultants Ltd", a company in which Athena Christodoulou, daughter of the former Governor of the Central Bank of Cyprus Christodoulos Christodoulou, has interests, allegedly made in order for the latter to refrain from taking appropriate action and conducting investigations concerning MIG's acquisition of control in CPB in February 2006. The above "fee" for said purpose was purportedly agreed to be received by Christodoulos Christodoulou from Andreas Vgenopoulos and MIG. Moreover, as an additional return, he purportedly agreed with Andreas Vgenopoulos to have his then son-in-law Andreas Kizouridis appointed at a high-ranking position in CPB. At the hearing of 22/03/2017 the Attorney General of the Republic of Cyprus removed A. Vgenopoulos, due to his demise, and K. Magiras, due to the denial of Greek Justice to execute the European arrest warrant against him, from the charge sheet and committed the case to the Nicosia Assize Court for all other defendants, including MIG.

The hearing of the case started on 09/05/2018 through the examination of the witnesses for the prosecution who filed various documentary evidence. Further to the dismissal of the prejudicial objections raised by the defendants against the filing of documentary evidence, the hearing continued with the examination of witnesses.

On 19/03/2019 the Attorney General terminated the criminal prosecution against A. Kizouridis in order to have him summoned as a witness for the prosecution given that Kizouridis voluntarily gave a multipage testimony which was considered as a credible witness statement. Following the filing of objections by the counsels for the defendants, the Court by a resolution dated 02/04/2019, allowed for the largest part of the testimony of A. Kizouridis, while with regard to the part referring to what he heard from the demised A. Vgenopoulos the Court allowed for it in connection only with the fact that statements were made by the demised A. Vgenopoulos.

Following cancellation by the Supreme Court of the arrest warrants issued against M. Zolotas and M. Fole, on 07/08/2019 the Nicosia Assize Court terminated the trial (and criminal prosecution) against them. Upon several judicial actions by both sides, M. Zolotas and M. Fole eventually remained in the charge-sheet, but they were released of the obligation of appearing in person at the court, thus having the right to be represented by a defense lawyer thereafter.

The principal hearing continued almost on a daily basis as of 05/05/2020 with the examination of a series of witnesses for the prosecution, which was completed at the hearing of 01/07/2020.

On 07 and 08/07/2020 the Prosecutor and the defendants filed their pleadings about whether a prima facie case has been established or not.

On 31/07/2020 the Court issued an interim decision whereby it dismissed all charges against defendants Chr. Christodoulou, M. Zolotas, M. Fole, A.C. Christodoulou Consultants Ltd for abuse of process and furthermore, as regards Mr. Fole, due to lack of jurisdiction of Cypriot Courts to hear the case; it acquitted Ath. Christodoulou as it found that a prima facie case did not exist and decided that a prima facie case existed as regards MIG and Focus Maritime Corporation in respect of all charges relating to them.

On 10/08/2020 the Prosecution stated that it would not appeal the interim decision, MIG's counsel stated that he would call witnesses for the defense, therefore time was required, and the counsel of Focus Maritime Corporation informed the Court that its client ceased to exist as it was struck off from the relevant companies registry of Marshall Islands. The Court asked that documentary evidence is brought before it. The case was fixed for 25/08/2020, when documents evidencing the strike off of Focus Maritime Corporation since 2016 were indeed filed.

By a letter dated 25/08/2020 MIG asked the Attorney General of the Republic of Cyprus to terminate the criminal prosecution with nolle prosequi as the procedure has been infected and/or discovering the truth and dispensing justice are no longer possible and/or the continuation of the procedure constitutes abuse, but the Attorney General decided to continue the criminal prosecution whatsoever.

On 17/08/2020 MIG presented two witnesses for the defense and requested a postponement for a few days in order to take adequate time for the completion and presentation of the expert report. The Court rejected the postponement request and considered the witness depositions for the defense as concluded.

The final pleadings were filed on 28/09/2020 and the Court will issue its decision on the verdict on 27/11/2020.

It is hereby noted that MIG as a legal entity was not obliged to appear in person (through its directors) at Court and may only be condemned to pay a fine. Following the acquittal/dismissal of all charges against all other defendants, the outcome of the trial is considered uncertain and the amount of the fine that could be imposed on MIG in the paradoxical event of a guilty verdictis not possible to be estimated at this point.

Other Potential Liabilities

On 18/12/2015, the transfer of all shares of SKYSERV to SWISSPORT AVIAREPS HELLAS S.A. was completed. According to specific terms and conditions of the sale and purchase agreement, MIG has undertaken to compensate SKYSERV for any amounts that it may be required to pay and for which there was no relevant provision in its Financial Statements. Three lawsuits have been filed against SKYSERV by the OLYMPIC AIRWAYS SERVICES S.A. - In Liquidation" (hereinafter "OAS") seeking payment for the total amount of € 5.6 m, (plus interest from the lapse of 30 days after issuance of each invoice), invoking the contracts for provision of services entered between the companies on 09/06/2009. The hearings of the above lawsuits took place on 21/02/2018, 28/02/2018 and 14/03/2018.

On the one of the above lawsuits for a claim of € 1,243,119.10 (plus interest), the Athens Multimember First Instance Court issued its decision no. 4964/2018, whereby it admitted the lawsuit for the amount of € 1,183,402.50 plus interest as of 23/10/2009. Both OAS and SKYSERV filed appeals against said decision, which will be heard on 09/04/2020. However, the said hearing was adjourned due to the provisional suspension of the Courts' operation for reasons of public health (because of COVID-19). A new hearing date for SKYSERV's appeal was fixed ex officio for 08/04/2021, while OAS's appeal was fixed for 22/04/2021.

On the second lawsuit for a claim of € 4,144,902.09 (plus interest) the Athens Multi-Member Court of First Instance issued its decision no. 3768/2019, whereby it rejected the main grounds of the lawsuit as vague, the grounds relating to tort as illegitimate and the ancillary grounds of unjust enrichment as inadmissible.

On the third lawsuit for a claim of € 251,418.32 (plus interest) the Athens Multi-Member Court of First Instance issued its decision no. 239/2020, whereby the main grounds of the lawsuit were rejected partially (i.e. for part of the amount of the claim) as vague and partially as meritless, while the ancillary grounds of unjust enrichment were rejected partially as vague and partially as illegitimate, respectively.

OAS's lawsuit did not contain all necessary elements required for enabling judicial assessment and in the context of the trials, OAS provided - objectively - no evidence adequate to lead to the substantiation of its claims in the Court's consideration. Furthermore, SKYSERV raised an objection regarding the abusive filing of each lawsuit, as OAS stated through its legal representative at three different time points that no debt had arisen from the agreements in question and that the invoices in question were supposed to be cancelled even before OAS was put under liquidation, which in fact did not occur. For the above reasons, the Company considers that it is possible that the above decision no. 4964/2018 of the Athens Multi-Member Court of First Instance be reversed on appeal, whereas with respect to the other two lawsuits its estimation that the lawsuits would be rejected has already been confirmed.

On 09/11/2018 the Company completed the transfer of its total stake, direct and indirect, in HYGEIA to HELLENIC HEALTHCARE SINGLE-PERSON HOLDINGS S.A. (the Buyer). According to individual terms and conditions of the sale and purchase, the Company (together with its subsidiary, by 100%, MARFIN CAPITAL S.A.) has assumed towards the Buyer, inter alia, the liability of HYGEIA, MITERA and/or LETO deriving from or in connection with litigation concerning malpractice, professional liability and similar cases, provided that the event or circumstances which caused the initiation of the relevant proceeding refers to a date on or prior to 09/11/2018. The Company is liable for any amount that HYGEIA, MITERA and/or LETO may be required to assume, compensate or pay pursuant to an enforceable court judgment or out of court settlement, to the extent that such amount exceeds (i) the amount of provisions specifically made for each of HYGEIA, MITERA and LETO in the Annual Financial Statements on 31/12/2017; and (ii) any amount that such company has actually received as beneficiary pursuant to a valid insurance policy. The Buyer shall keep the Company informed of any material developments in relation to a matter giving rise to an indemnified liability and the Company shall give to the Buyer whatever reasonable assistance the Buyer may reasonably require in mitigating, settling, disputing etc. any relevant third party claim.

In any case, it is noted that the Company considers that at the time of transfer the above mentioned companies of HYGEIA group had taken satisfying provisions for contingent liabilities with regard to the above described litigation. So far the Company has received no notice of any developments that could trigger its liability.

Contingent liabilities - ATTICA

At the expense of the ATTICA group, disputed or under arbitration disputes or other obligations amounting to € 3.4 m concerning compensation for claims against position reservation program are pending. Based on an existing agreement, the above pending disputes are foreseen with the payment of receivables totaling € 1.5 m. On this basis, on 31/12/2019, the management of ATTICA group formed an equal provision. ATTICA group paid off the above obligation under the agreement that existed in July 2020.

31.4 Other commitments

The Group's other commitments are analyzed as follows:

THE GROUP
Amounts in € '000 30/06/2020 31/12/2019
Within 1 year 4,010 1,543
Total other commitments 4,010 1,543

31.5 Contingent tax obligations

The Group's tax obligations are not conclusive since there are non-tax audited financial years which are analyzed in note 2 of the Financial Statements for the six-month period ended on 30/06/2020. For the non-tax audited financial years there is a probability that additional taxes and penalties will be imposed when they are assessed and finalized. The Group assesses on an annual basis its contingent liabilities which may result from tax audits of preceding financial years, by forming provisions where it is deemed necessary. The Group has made provisions for non-tax audited financial years amounting to € 831k (31/12/2019: € 1,236k).

The Management considers that apart from the formed provisions, potential tax amounts which may arise will not have any significant effect on equity, Profit/Loss and on cash flows of the Group and the Company.

Tax Compliance Report:

For the years 2011- 2018, the Group companies operating in Greece and subject to tax audits by Chartered Accountants in accordance with paragraph 5 of Article 82 of Law 2238/1994 and in compliance with the provisions of Article 65Α par. 1, Law 4174/2013, received a Certificate of Tax Compliance without any substantial differences. Under the Circular POL 1006/2016, the companies that have been subject to this special tax audit are not exempted from the statutory audit of the competent tax authorities. The Management of the Group estimates that in case such audits are carried out by the Tax Authorities in the future, no additional tax differences will arise with a significant effect on the Financial Statements.

Regarding the financial year 2019, the special audit for the issue of the Certificate of Tax Compliance is currently in progress and the relevant tax certificates are expected to be issued following the publication of the interim condensed Financial Statements for the period ended on 30/06/2020. Should any additional tax liabilities arise till the finalization of the tax audit, it is estimated that they will not have a material effect on the Financial Statements. It is to be noted that under the recent legislation, such audit and the issue of the Certificate of Tax Compliance for 2016 and onwards are optional.

32 FAIR VALUE OF FINANCIAL INSTRUMENTS

32.1 Measurement of fair value of financial instruments

Financial instruments levels analysis

Financial assets and financial liabilities measured at fair value in the Statement of Financial Position of the Group and the Company are classified under the following 3 level hierarchy in order to determine and disclose the fair value of financial instruments per valuation technique:

  • Level 1: Investments that are valued at fair value based on quoted (unadjusted) prices in active markets for comparable assets or liabilities.
  • Level 2: Investments that are valued at fair value, using valuation techniques for which all inputs that significantly affect the fair value, are based (either directly or indirectly) on observable market data.

Level 3: Investments that are valued at fair value, using valuation techniques, in which the data that significantly affects the fair value, is not based on observable market data. This level includes investments where the determination of the fair value is based on unobservable market data (five years business plan), using however additional observable market data (Beta, Net Debt / Enterprise Value of identical firms in the specific segment such as those included in the WACC calculation).

The following tables reflect the Group financial assets and liabilities measured at fair value on a recurring basis on 30/06/2020 and 31/12/2019:

THE GROUP
30/06/2020 31/12/2019
Financial assets Fair value measurement at the end of the reporting Fair value measurement at the end of the reporting
period using year using
Amounts in € '000 Level 1 Level 2 Level 3 Total Level 1 Level 2 Level 3 Total
Financial assets measured at fair value through
P&L
- Securities 165 - 105 270 236 - 165 401
- Mutual Funds - - 176 176 - - 165 165
- Derivatives - 841 - 841 - 3,375 - 3,375
Non-recurring fair value measurements
-Assets Held for sale - 73,707 - 73,707 - - - -
Total financial assets 165 74,548 281 74,994 236 3,375 330 3,941
Financial liabilities
- Derivatives - 18,628 - 18,628 - - - -
Non-recurring fair value measurements
-Liabilities Held for sale - 63,930 - 63,930 - - - -
Total financial liabilities - 82,558 - 82,558 - - - -
Net fair value 165 (8,010) 281 (7,564) 236 3,375 330 3,941

There were no transfers between Levels 1 and 2 during the six-month period.

Investment portfolio and other investments at fair value through profit and loss

Investments in listed shares in domestic and foreign stock markets are valued based on the quoted market prices of these shares. Investments in unquoted shares are valued based on widely accepted valuation models which sometimes incorporate data based on observable market inputs and sometimes are based on unobservable data.

Fair value measurement of Level 3 financial instruments

The changes in the Group's and the Company's financial instruments classified in Level 3 as at 30/06/2020 and 31/12/2019 are presented as follows:

THE GROUP
30/06/2020 31/12/2019
Financial assets Financial assets
measured at fair value measured at fair value
Amounts in € '000 through P&L through P&L
Securities Mutual
Funds
Securities Mutual
Funds
Opening balance 165 165 165 16
Purchases - 11 - 149
Sales - - (32) -
Issues and settlements (60) - - -
Total gains/(losses) recognised in profit or loss
under line item:
- Other financial results - - 32 -
Closing balance 105 176 165 165
Total amount included in profit or loss for
unrealized gains /(losses) on Level 3 instruments
- - 32 -

32.2 Measurement of fair value of non-financial assets

The following table presents non-financial assets of the Group measured at fair value on a recurring basis on 30/06/2020 and 31/12/2019:

30/06/2020
Fair value
measurement at
end of the
31/12/2019
Fair value
measurement at
end of the
Amounts in € '000 reporting period
Level 3
reporting year
Level 3
Investment Property
- Buildings in Serbia 251,124 260,042
Total non-financial assets 251,124 260,042

Determination of the fair value of the Group's Level 3 investment property is based on a relevant valuation work performed by an independent property appraisal firm. Indicatively, in respect to the investment property valuation, the key assumptions used, which were based on unobservable data, are summarized in the following table:

30/06/2020 31/12/2019
Assumptions Balkans Balkans
Rental value € 2,8-€ 90 / sqm € 2,8-€ 90 / τ.μ
Discount rate 7,72%-12,89% 6,89%-12,09%

33 RISK MANAGEMENT POLICIES

Each one of MIG's large investments is exposed to specific risks. The occurrence of any of these risks could lead to a possible revaluation of MIG's portfolio and to the reassessment of the strategic objectives of the Group.

33.1 Risk management objectives and policies

Τhe Company and the Group are exposed to risks pertaining to financing, interest rates, fuel prices, liquidity, credit and currencies. The Group reviews and periodically assesses its exposure to the risks cited above on a case by case basis as well as collectively and uses financial instruments to hedge its exposure to certain risk categories.

Evaluation and assessment of the risks faced by the Company and the Group are conducted by the Management. The main aim is to monitor and assess all the risks to which the Company and Group are exposed to through their business and investment activities.

The Group uses several financial instruments or pursues specialized strategies to limit its exposure to changes in the values of investments that may result from market volatility, including changes in prevailing interest rates and currency exchange rates.

33.2 Currency risk

The Group's functional currency is the Euro. The Group operates in foreign countries and therefore is exposed to currency risk. This type of risk mainly arises from current or future cash flows in foreign currency and from investments outside the Eurozone. The largest percentage of MIG's and the Group's revenue and costs are Euro denominated. Likewise, the largest percentage of the Company's investments is denominated in Euro.

The Group holds foreign investments whose net assets are exposed to FX risk. FX risk stems from the exchange rates to the USD and other currencies of European countries where the subsidiaries of the Group operates.

The Group's investment in the Serbian RKB is not exposed to significant FX risk since the majority of its assets (investment properties and other tangible assets) are denominated in Euro and the major part of the inflows associated with these assets is also in Euro. It is noted, that in other markets where the Group operates (other Balkan countries) the financial needs of each company are assessed, and if feasible, the financing is in the same currency with the relevant asset being financed or that is going to be financed.

The analysis of the Group's financial assets and liabilities per currency converted in Euro as at 30/06/2020 and 31/12/2019 is presented as follows:

THE GROUP
30/06/2020 31/12/2019
Amounts in € '000 USD BGN RSD Other USD BGN RSD Other
Notional amounts
Financial assets 1,628 5,779 3,704 46 1,056 9,090 3,227 2,935
Financial liabilities (644) (4,059) (570) (1) (481) (4,129) (326) (2,688)
Short-term exposure 984 1,720 3,134 45 575 4,961 2,901 247
Financial assets 2 2 298 - 2 2 380 -
Financial liabilities - (720) - - - (917) - -
Long-term exposure 2 (718) 298 - 2 (915) 380 -

The following table shows the FX sensitivity analysis on the Group's results and equity by taking into consideration a change in FX rates by +/- 10%.

THE GROUP
10% -10% 10% -10% 10% -10%
30/06/2020
Amounts in € '000 USD RSD Other
Profit for the year (before tax) 94 (94) 343 (343) 4 (4)
Equity 94 (94) 343 (343) 4 (4)
31/12/2019
Amounts in € '000 USD RSD Other
Profit for the year (before tax) 41 (41) 328 (328) 1 (1)
Equity 41 (41) 328 (328) 1 (1)

Sensitivity analysis for the currency Lev is not included in the table above, because the exchange rate of EURO/LEV is fixed.

The Group's exposure to FX risk varies during the financial year depending on the volume of the transactions and its wider FX risk exposure. However, the above analysis is considered to be representative of the Group's FX risk exposure.

33.3 Liquidity risk

Prudent liquidity risk management implies cash adequacy as well as the existence and availability of necessary funding sources. The Group is managing its liquidity requirements on a daily basis through systematic monitoring οf it's short and long-term financial liabilities and through daily monitoring of the payments made. Furthermore, the Group constantly monitors the maturity of its receivables and payables, in order to maintain a balance between capital continuity and flexibility via its bank credit worthiness.

Maturity of financial liabilities as at 30/06/2020 and 31/12/2019 for the Group and the Company is analyzed as follows:

THE GROUP
30/06/2020 31/12/2019
Amounts in € '000 Short-term Long-term Short-term Long-term
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Long-term borrowing 306,588 7,720 1,055,678 - 311,471 9,757 1,075,074 1,688
Lease liabilities 6,070 5,617 31,507 19,738 6,426 6,399 34,307 21,229
Trade payables 123,112 50 - - 126,597 4,845 - -
Other short-term-long-term
liabilities
182,971 813 5,018 19 143,225 6,876 5,877 30
Short-term borrowing 74,309 1,128 - - 51,781 28,936 - -
Derivative financial instruments 18,628 - - - - - - -
Total 711,678 15,328 1,092,203 19,757 639,500 56,813 1,115,258 22,947
THE COMPANY
30/06/2020 31/12/2019
Amounts in € '000 Short-term Long-term Short-term Long-term
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Within 6
months
6 to 12
months
1 to 5
years
More
than 5
years
Long-term borrowing 228,750 - 295,105 - 228,750 - 295,105 -
Lease liabilities 77 85 538 - 21 76 623 -
Trade payables - - - - - - - -
Other short-term-long-term
liabilities
42,097 - 1,579 - 28,661 - 2,277 -
Short-term borrowing 27,120 - - - 26,320 - - -
Total 298,044 85 297,222 - 283,752 76 298,005 -

As presented in the table above, the total debt of the Group on 30/06/2020 amounted to € 1,508,355k with an amount of € 1,106,923k for long-term debt (of which long-term lease liabilities € 51,245k) and an amount of € 401,432k for short-term debt (of which short-term lease liabilities € 11,678k). Respectively, the total debt of the Company on 30/06/2020 amounted to € 551,675k with an amount of € 295,643k relating to long-term debt (of which long-term lease liabilities € 538k) and an amount of € 256,032k relating to short-term debt (of which short-term lease liabilities € 162k).

The Group and the Company on 30/06/2020 had negative working capital, since current liabilities exceeded current assets by € 308,600k and 295,200k respectively. This issue will be resolved following the successful completion of the restructuring of the Group companies' debt (see notes 3.1 and 20).

33.4 COVID-19 pandemic

On January 30, 2020, the World Health Organization (WHO) declared the outbreak of the COVID-19 virus an "extraordinary event which is determined to constitute a public health risk" and in March 2020 the WHO declared COVID-19 as pandemic. The outbreak of the COVID-19 pandemic, combined with the restrictive measures taken to address it, such as, indicatively, lockdown, restriction on passenger traffic, temporary suspension of stores operation until mid-May, etc., had an adverse impact on global economic activity of the Group, especially in respect of Transportation and the sub-sector of Food Services of Food and Dairy, affecting its sales and operating profitability during the sixmonth period 01/01-30/06/2020.

Determining the term and extent of the economic impact of the pandemic on financial performance, position and liquidity of the Group for the following period involves significant uncertainty, as it

depends on a number of factors, such as the extent of relapse of the pandemic, widespread use of the vaccine to address it, the degree and extent of new restrictive measures that may be taken by the State in conjunction with the state support measures to the affected companies and the degree of recovery of tourism.

The Group's Management, as well as the managements of separate operating segments, evaluating all the new data on an ongoing basis, have already taken and go on taking measures to limit the impact of the pandemic on operations, financial performance and position of the operating segments, with the ultimate objective of ensuring their sound operation and development.

Human resources protection measures

In order to protect the health and the safety of employees and their families, associates and customers, a series of were implemented including as follows, among others:

- Systematic provision of information on the ways of prevention and protection of employees and their families, following the instructions of EODY, especially with regard to vulnerable groups.

- Procedure for dealing with and monitoring cases of sudden illness or symptoms of respiratory infection of employees, members of their family or their immediate environment as well as employees who have returned from a trip abroad.

- Occasional granting of special purpose leaves and implementation of flexible form of work teleworking for the majority of administrative staff.

- Regular disinfection of buildings and disposal of personal protective equipment in the facilities of the Group's companies.

- Limiting visits by external partners and visitors and all the domestic and foreign business trips.

All the above are measures, taken by the Management of the Group as well as the managements of the separate operating sectors within the previous months, which will continue to apply depending on the needs that will arise and the conditions that will be formed.

In addition to the aforementioned, specialized measures were taken by the Group's operating segments as analyzed below.

Food and Dairy

Specific measures, taken and still being implemented on a case-by-case basis concerning the "Food and Dairy" operational sector are related to the production units and include rescheduling of work shifts and transfer of staff to and from work. Regarding restaurants, care was taken to place acrylic glass in store cash registers, use of mask and gloves, observation of safe distance rules between both employees and customers, and regular use of disinfectant solutions, while the effects on the operation of stores were minimized and the best possible level of service to the clients was offered.

Transportation

The crews of ATTICA group vessels are fully trained in hygiene issues, they have received specialized instructions of the authorities for the necessary precautionary measures from COVID-19, while at the same time they are fully informed about any suspicious case at sea in cooperation with the competent authorities. The vessels have the appropriate equipment (masks, gloves, special kit), while special cabins have been provided to every vessel to address and limit any individual incident, in order to ensure the health of passengers and crew. All vessels are equipped with an antiseptic solution for the personal hygiene of passengers and staff. The cleaning procedures of the air conditioning units, the cabins, as well as the common areas of the vessels have been intensified and certified services of external collaborators regularly carry out disinfections on the vessels. In addition, during the trip, passengers are constantly informed about the observance of the rules of prevention, through informative messages displayed on the vessels' screens. Also, the crews make frequent

announcements and recommendations, in order to maintain the necessary distances between the passengers during their stay in one of the lounges, the bars or on decks and to avoid overcrowding during their disembarkation from the vessel.

Effect on financial position

The effects of the pandemic on every operating segment are analyzed as follows:

Food and Dairy

During the six-month period 01/01-30/06/2020, the Food and Dairy segment demonstrated a decrease in sales and operating profitability by 10% and 15% respectively in relation to the corresponding comparative period. These changes have arisen from the Food Services sub-sector, which faced significant challenges due to the conditions created by the outbreak of the COVID-19 pandemic as well as the measures taken to address it. In particular, the mandatory suspension of operation of the stores of the Food Services sub-sector in May, in combination with the restrictive measures on transportation and the decline in tourism volumes led to a decrease in sales of approximately 40% compared to the corresponding comparative period of 2019, while the sub-sector's operational profitability was adversely affected to a significant extent.

The existence of uncertainty regarding the future spread of the pandemic in line with the contingent measures to be taken in order to address it make it difficult to make a safe estimate about the course of sales. Key factors such as consumer purchasing power, restaurants operational regulations, the course of tourism as well as the establishment of a drug/vaccine that will effectively treat COVID-19 will play a significant role in the development of the course of sales. Nevertheless, the management of the group considers that its initial projection for a reduction of sales of the Food Services subsector by 30% -40% for FY 2020 compared to 2019 adequately reflects the best estimates based on the data available so far. At the same time, EBITDA of the Food and Dairy segment for FY 2020 is expected to present a decrease compared to FY 2019, due to the particularly significant decrease in EBITDA of the Food Services sub-segment, whose exact amount will be determined according to the course of operations, mainly related to travel business (airports, vessels, Motorists Service Stations ) and the size and scope of state support measures in Catering to be taken in the following months.

In the context of limiting the effects on sales, the management of the "Food and Dairy" operating segment was and remains vigilant in order to immediately adapt the operation of companies to the new conditions, starting from the supply chain to the final stage of customer service. In particular, regarding the Food Services sub-sector, the management takes all possible measures to take advantage of the new consumer trends and market regulations. Indicatively, strengthening the delivery service, the use of new technology for further development of e-ordering with the aim of improving the consuming experience of the consumer, the optimal use of outdoor spaces, as well as participation in mass catering tenders (school meals, vulnerable groups, etc.).

At the level of operational profitability for the "Food and Dairy" operational segment, measures were applied to reduce operating costs (advertising costs, management, slowing down investment plans, etc.), which are adjusted based on new developments and market data. Furthermore, for the Food Services sub-segment, which is hit to a higher degree due to the pandemic, the support measures established by the State (40% rent discount for the months of suspension of catering stores, inclusion of staff in suspension, use of Syn-ergasia program) have been used, while at the same time the management is renegotiating all the basic operating contracts in order to adapt the basic terms to the current conditions.

Transportation

During the first half of 2020, restrictions imposed on movement of passengers and vehicles and the reduced passenger protocol for vessels from the end of May onwards, led to a significant reduction in the Transportation segment, reflected both - in the reduced turnover for the six-month period 01/01-30/06/2020, standing at € 117 m as compared to € 164 m in the corresponding comparative half-year period, and in the operational profitability of the Transportation segment, as EBITDA stood at € 1.9 m versus € 15.5 m in the first half of 2019.

Despite destabilization of fuel prices, the reduction in fuel purchase costs is largely offset by the petroleum products rusk hedging contracts, signed by the Transportation segment prior to the significant fall in fuel prices.

The decrease in traffic volume for two months July-August 2020 is equivalent to a reduction of the turnover of the segment by € 37.7 m or 30.5% compared to the corresponding period last year. In respect of the following months of 2020, taking into account the observed gradual increase in cases, a decrease in traffic volume is also expected, as compared to the corresponding period last year.

The management of the Transportation segment constantly assesses every new information with regards to the evolution of the pandemic, the relevant decisions, made by the Authorities and adjusts – at regular intervals – the vessels routes mainly caring about protecting ATTICA Group's financial position and rendering the best possible service to its customers and local communities. In the context of monitoring the traffic volume, on-going estimates are made in respect of the course of the group's development, which confirm the initial estimates of the management, and lead to a reduction of the turnover of the Transportation segment 2020 by an estimated range from 30% to 40% in relation to the fiscal year 2019.

Private Equity

In the same context, Private Equity operating segment, represented by RKB, is faced with the adverse effects of the pandemic as any restrictive measures may affect the operation of its commercial stores. Serbia was faced with the danger of COVID-19 spread in the middle of March. State of emergency was declared and the government urgently took quarantine measures, suspending the operation of shopping centers since March 21st, allowing only banks, supermarkets and pharmacies to operate. The Serbian government reopened the shopping malls on May 5th under restrictive terms. Regarding the impact of the pandemic on the financial performance of the subsidiary RKB, sales recorded a decrease of -15% compared to the first half of 2019, while EBITDA amounted to € 0.8 m compared to € 1.7 m in the corresponding comparative period. Annual sales are expected to decrease by 15% compared to 2019. To this end, the management of RKB, in the period remaining until the end of the year, will focus on maintaining the existing leases, while strengthening the rental collecting rate mechanisms. Moreover, it will seek to streamline its expenses and prepare for the return of the market back to normal.

Effect on liquidity and financial position

On 30/06/2020, due to the negative impact of the pandemic on the economy and consequently on the financial performance of the Group, the Management carried out an impairment test on the assets of the Group, the results of which are analyzed in Notes 10,11, 12 and 27.Furthermore, the course of the pandemic gives rise to a risk that MIG Group assets, i.e. recognized goodwill, intangible assets, investment property and/or fixed assets as well as investments in subsidiaries in the separate financial statements, will be valued at lower values in the coming periods and, consequently, impairments will arise that will burden the income statement and the financial position of the Group and the Company.

Regarding the Company's loan liabilities, the terms in place are related to compliance with financial ratios. The Management is constantly monitoring this compliance in order to timely address the relative request to the creditor bank and obtain its consent regarding the compliance obligations if and when deemed necessary.

In order to minimize its exposure to credit risks and uncertainties, the Group has created the appropriate infrastructure and has established monitoring procedures per counterparty based on their credit ratings. However, the spread of the pandemic creates new conditions and requires vigilance to effectively handle potentially arising cases of payment inability or post-date receivables.

The effects of the pandemic on liquidity and financial position per operating segment are as follows:

Food and Dairy

According to the basic scenario of the course of the pandemic and its effects on the market and economy, VIVARTIA group management examines the plans of addressing liquidity issues, arising from the operations of all sub-sectors, in particular – Catering. Regarding the Dairy and Frozen Food sub-sectors, the measures that have been taken focus on reducing operating costs, redesigning investment plans in conjunction with daily credit risk assessment of clients and potential use of liquidity identification tools provided by the financial system (factoring lines, etc.).

On the contrary, significant decrease in sales and – consequently – in EBITDA of the Food Services sub-sector versus 2019 is estimated to generate significant additional cash needs, regarding which the management - in addition to the aforementioned measures - is taking additional actions, such as, indicatively, as follows:

  • Obligations to suppliers and lessors: In respect of the obligations to suppliers and lessors, for whom the contractual repayment dates expired during the health crisis period given the mandatory suspension of operations, the Food Services sub-sector management is in on-going process of negotiating the settlement of the relative issues.
  • Amounts due to the State: Making use of state regulations for outstanding payments related to employers' contributions and taxes (VAT, Payroll Tax) effective during the aforementioned period.
  • Borrowings and other loan liabilities: Negotiations with the banks in order to find the optimal solution regarding settlement of the borrowings (capital installments and/or interest) regarding the Food Services sub-sector, as well as to facilitate obtaining new credit lines in order to meet the working capital needs. In addition, regarding the other obligations of the Food Services subsector arising from its loan agreements (compliance with financial rations, etc.), the Management is negotiating obtaining the primary consent of the creditor banks.
  • Investment plan: The Food Services sub-sector management has directly redesigned its investment plan for 2020, significantly reducing the initially projected cash outflows.

In view of the long-lasting cooperation of the Food Services sub-sector with its suppliers, lessors and creditor banks and in line with the State support provided to the companies, whose operations have been adversely affected by the pandemic, VIVARTIA group management estimates that the actions, listed above, will successfully address the additional cash needs created due to the pandemic and will ensure VIVARTIA group ability to continue as a going concern.

Transportation

Taking into account the current conditions, uncertainty and rapidly changing environment, ATTICA group management aims to maximize the group's liquidity. The Group safeguards its cash flows, making efforts to maintain adequate working capital and identifying areas of cost savings, as recorded

below regarding the management's actions. In particular, the Group continues to implement measures to reduce its operating costs in order to further strengthen its financial position, which can be summarized as follows:

  • Decreasing all the operating expenses of ATTICA group.
  • Making use of all the support measures (short-term and long-term) announced by the State for the affected companies in order to ensure sufficient liquidity. In particular, within the framework of the measures announced by the State, ATTICA a) postponed the payment of tax and insurance obligations as defined in the State decisions, and b) agreed with the Greek lending banks to transfer capital loan payments to the future periods.
  • Actions are taken to further enhance ATTICA's liquidity. In particular, ATTICA a) signed an agreement on working capital loan with a credit institution amounting to € 20 m, b) signed a factoring agreement of € 15 m, c) received from the State return prepayment of € 1.8 m (within the period 01/01/2020-30/08/2020), d) extended the time of settling obligations to suppliers, e) postponed supplies that are not absolutely necessary as well as payments that can be extended.

Private Equity

The management of RKB, in the period remaining until the year end, will focus on maintaining the existing rentals, while, at the same time, improving the mechanisms of increasing the rentals collectability rate. In addition, it will seek to optimize its costs and prepare for the return of the market back to normal. Based on this plan, the management of RKB does not expect to face significant liquidity issues.

34 STATEMENT OF FINANCIAL POSITION POST REPORTING DATE EVENTS

34.1 Financial Services

  • According to the decision of 04/09/2020 of the Ordinary General Meeting of the Shareholders, it was resolved to proceed to the partial offset of the Company's share premium reserve by € 3,945,296k for writing off equal losses of previous years pursuant to article 35 para. 3 of L. 4548/2018, as amended by article 49 para. 4 of L. 4587/2018.
  • On 17/09/2020 MIG announced that it received a binding offer from the investment funds of "CVC CAPITAL PARTNERS" ("CVC") for the sale of its entire stake in "VIVARTIA HOLDINGS S.A." ("VIVARTIA"). The offer is subject to the usual terms and conditions for transactions of such kind. MIG's Board of Directors decided during its meeting on 17/09/2020 to grant to CVC an exclusivity period for the negotiations and the completion of the agreement until 06/11/2020.

The terms of a potential agreement between CVC and MIG, including consideration, will be negotiated. On the acceptance of the outcome of the negotiation will resolve the Board of Directors, after obtaining the opinion of specialized financial advisers of recognized international standing that will have assessed whether the consideration and other terms of the transaction are reasonable and fair. Any agreement will be subject to the approval of the Company's Shareholders.

In any potential transaction the final agreed consideration is subject to negotiations and could be different from the carrying value of the investment as presented in the interim condensed separate and consolidated as at the reporting date (30/06/2020). As a result, the result of any potential disposal of the investment (being the difference between the carrying value and the consideration less the cost to sale) will be determined at the date that the transaction is finalized.

34.2 Transportation

ATTICA entered into a loan agreement with a bank credit institution of € 20 m to further enhance the group's liquidity.

Apart from the aforementioned, there are no events posterior to the Financial Statements, regarding either the Group or the Company, which may require reference by IFRS.

35 APPROVAL OF FINANCIAL STATEMENTS

The interim condensed separate and consolidated Financial Statements for the six-month period ended 30/06/2020 were approved by the Board of Directors of MARFIN INVESTMENT GROUP HOLDINGS S.A. on 30/09/2020.

The Chairman of the BoD

The Chief Executive Officer

The Director of Accounting and Finance

Panagiotis Throuvalas I.D. No: ΑΚ543083

Athanasios Papanikolaou I.D. No: ΑΝ612863

Stavroula Markouli I.D. No: ΑΒ656863

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