Fiscal year 2024/25: EOS strengthens its leading market position in Europe.

The fiscal year 2024/25 was exceptionally successful for the Eastern Europe region. We have impressively reaffirmed our leading market position. I would particularly like to highlight the success of our colleagues in Greece and Poland. Thanks to a reorganization in Greece and our many years of experience and expertise, we were able to acquire significant receivables portfolios. This entrepreneurial spirit and our commitment to finding fair solutions for defaulting payers and businesses make us an important partner in the Greek NPL market. EOS in Poland was able to strengthen and expand its market position in a highly competitive environment, for example, through the investment in a portfolio of secured and unsecured receivables with a nominal value of EUR 63 million. Our partners appreciate our high standards for transaction processes and the transparency in our collaboration.

Strategic partnerships have also contributed to our success, such as the extended cooperation with the International Finance Corporation (IFC), a member of the World Bank Group. Alongside Poland, Romania, Serbia, Croatia, and Bosnia and Herzegovina, we now foster co-investments in Bulgaria. This joint venture is the first of its kind in Bulgaria, with the aim of further expanding the responsible purchase of NPLs. Environmental, social, and governance (ESG) aspects are taken into account when selecting and processing the NPLs. Beyond that we have broadened our portfolio in Romania with a new asset class that has a lower risk profile: the acquisition of performing loans, which are loans that borrowers regularly service. It was a great team effort to adapt the processes and systems accordingly.

We remain innovative and will increasingly leverage AI-driven technologies in the future: Agentic AI has already entered the testing phase in Romania, Croatia, and Slovakia. The AI will support and facilitate the work of the Collection Agents, because our dedicated employees are our greatest asset.

The past fiscal year has been extremely successful for the entire Western Europe region. Particularly noteworthy are the developments in Portugal and France. In France, EOS made a significant investment in a mixed receivables portfolio with a nominal value of over EUR 200 million. In Belgium, EOS Aremas underscores its role as a reliable banking partner with long-term forward-flow agreements: Regular sales of unsecured receivables enable banks like BNP Paribas Fortis to strategically relieve their balance sheets and create new opportunities. Such partnerships contribute significantly to the stability of the financial sector.

Digitalization continues. The debt collection system Kollecto+, developed by EOS itself, has now been implemented in eleven countries. In the upcoming fiscal year, EOS Aremas in Belgium will also be integrated , following Spain and Portugal in Western Europe. At the same time, we are advancing automation through Robotic Process Automation (RPA). This enhances our efficiency and relieves our employees. The EOS Group has implemented several RPA solutions in our countries—compared to the previous year, the number of automated process solutions has increased by more than 100%.

In the fiscal year 2024/25, EOS Consolidated increased its revenue across all regions.
The revenue of EOS Consolidated rose by a total of 5.6 percent to EUR 1.053,3 million compared to the previous year which was EUR 997,3 million.

The past fiscal year was also a year of restructuring for EOS. We established the new region of Central Europe, which includes the German market and is a strong growth area. We have consolidated our resources, standardized processes, and intensified cross-border collaborations.

Success proves us right. Germany, one of the most important markets for the EOS Group, was able to make significant investments in 2024/25 and strengthen its market position once again. This success is largely the result of an impressive team effort: Dedicated colleagues at all levels have questioned processes, reviewed services, and increased efficiency to create growth. Our courage and determination have been rewarded.

The region is also taking important technological steps for a successful future. A particular focus is on further digitalization and the harmonization of the debt collection system. The planned introduction of Kollecto+ as the debt collection system in Germany next year will significantly enhance efficiency in receivables management. Our goal is to provide the best possible service through digital solutions. This is exemplified by the new service portal from EOS in Switzerland. The digital self-service platform allows defaulting payers to easily and quickly resolve their outstanding debts and serves as a good example of user-friendly digital receivables management.

In the past fiscal year, our employees in all regions have achieved great things. Their teamwork and commitment to growth are the foundation of our business success.