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As a Commercial Business Analyst, you will work within commercial analytics, using data and insights to strengthen sales performance and support data‑driven commercial decisions. You will analyze sales,&nbsp;customer&nbsp;and web data to&nbsp;identify&nbsp;opportunities, follow up performance, and support commercial priorities in the Sales Market.&nbsp;In this role, you will&nbsp;be responsible for&nbsp;the Sales Market Greece consisting&nbsp;of Greece, Cyprus, Bulgaria, Croatia, Serbia, Bosnia &amp; Herzegovina, Albania, Kosovo and North Macedonia.&nbsp;You will:&nbsp;<ul><li>Combine consumer and market research with full‑funnel web analytics, testing, and campaign evaluation to uncover behavioral patterns,&nbsp;identify&nbsp;opportunities, and support data‑driven commercial decisions across the organization</li><li>Conduct 360 analysis from customer,&nbsp;web&nbsp;and sales perspective to gather insights relevant&nbsp;for Commercial&nbsp;team</li><li>Analyze full funnel web performance across .com and app, including traffic, user behavior, product performance, and sales</li><li>Provide insights on campaign effectiveness, including conversion attribution and return on ad spend</li><li>Analyze sales, customer and web data to draw insights related to QCP, product,&nbsp;assortment&nbsp;and pricing</li><li>Analyze customer feedback across touchpoints to&nbsp;identify&nbsp;opportunities to enhance customer experience and measure the impact of commercial activities</li><li>Plan, support, and evaluate A/B and multivariate testing to&nbsp;optimize&nbsp;customer experience and conversion in online store and CRM/Email</li><li>Conduct customer segmentation, cohort analysis, and product performance reviews.&nbsp;</li><li>Implement tagging, tracking, and SEO analytics to ensure&nbsp;accurate&nbsp;data collection and improve visibility in owned channels</li><li>Act as&nbsp;expert&nbsp;user of SQL and data platforms, supporting data extraction and team upskilling</li><li>Support Experience Lead, E‑com Leads, Commercial Managers and Marketing team with analytics activities and share insights</li><li>Conduct commercial and sales performance analysis, generating actionable insights from reports and dashboards to support decision‑making</li><li>Plan, quantify and drive execution of tactical activations in the Sales Market, within the budget and frame set by Global (e.g.,&nbsp;maximum&nbsp;discount)&nbsp;</li><li>Consult and collect input from Commercial Leads on plan and execution of tactical activations&nbsp;&nbsp;</li><li>Drive business cases and follow-up of 'Big rocks', in alignment with Commercial Manager and Commercial leads&nbsp;</li><li>Conduct 360 analysis from customer,&nbsp;web&nbsp;and sales perspective to gather insights relevant for Commercial team&nbsp;</li><li>Analyze full funnel web performance across .com and app, including traffic, user behavior, product performance, and sales&nbsp;</li><li>Support providing insights on campaign effectiveness, including conversion attribution and return on ad spend&nbsp;</li><li>Analyze sales, customer and web data to draw insights related to QCP, product,&nbsp;assortment&nbsp;and pricing&nbsp;</li><li>Plan, support, and evaluate A/B and multivariate testing to&nbsp;optimize&nbsp;customer experience and conversion in online store and CRM/Email&nbsp;</li><li>Conduct customer segmentation, cohort analysis, and product performance reviews&nbsp;</li><li>Implement tagging, tracking, and SEO analytics to ensure&nbsp;accurate&nbsp;data collection and improve visibility in owned channels&nbsp;</li></ul>WHO YOU’LL WORK WITH​&nbsp;As a Commercial Business Analyst,&nbsp;you will work closely with Commercial, Digital Experience, E‑commerce&nbsp;and Marketing teams, supporting strong commercial decisions through insights, follow‑ups&nbsp;and analytics support. You&nbsp;will&nbsp;collaborate cross‑functionally, translating data into clear recommendations that support prioritization and execution.&nbsp;WHO YOU ARE​&nbsp;We are looking for people with…&nbsp;<ul><li>2+ years of experience in commercial analytics, preferably within e‑commerce,&nbsp;retail&nbsp;or a data‑driven commercial environment.&nbsp;&nbsp;</li><li>Strong&nbsp;experience in sales,&nbsp;customer and&nbsp;performance analytics.&nbsp;&nbsp;</li><li>Proficiency&nbsp;in Google Analytics, Adobe Analytics,&nbsp;Tableau&nbsp;and Power BI.&nbsp;&nbsp;</li><li>Knowledge&nbsp;of A/B testing methodologies, performance&nbsp;measurement&nbsp;and tracking implementation.&nbsp;&nbsp;</li><li>Strong&nbsp;analytical,&nbsp;reporting&nbsp;and presentation skills.&nbsp;&nbsp;</li><li>Bachelor’s&nbsp;degree in Business, Marketing, Economics, Data Science,&nbsp;Statistics&nbsp;or&nbsp;a related field.&nbsp;&nbsp;</li><li>Professional&nbsp;English skills, written and spoken.&nbsp;</li></ul>And people who are…&nbsp;<ul><li>Analytical&nbsp;and insight‑driven, with a commercial mindset.&nbsp;&nbsp;</li><li>Able&nbsp;to translate complex data into clear, relevant insights.&nbsp;&nbsp;</li><li>Structured, detail‑oriented and comfortable working with large datasets.&nbsp;&nbsp;</li><li>A&nbsp;strong collaborator who works effectively across teams.&nbsp;&nbsp;</li><li>Curious,&nbsp;proactive&nbsp;and continuously looking for improvements.&nbsp;</li></ul>WHY YOU’LL LOVE WORKING HERE ​&nbsp; At H&amp;M Group, we are proud to be a vibrant and welcoming company. We offer our employees attractive benefits with extensive development opportunities around the globe.&nbsp;​&nbsp;More specifically, we offer:&nbsp;<ul><li>25% Staff discount on all our H&amp;M Group brands, both in stores and online (H&amp;M, COS, Weekday, Monki, H&amp;M HOME, &amp; Other Stories and ARKET)</li><li>H&amp;M Incentive&nbsp;Program&nbsp;– HIP.&nbsp;Learn more about the program&nbsp;here</li><li>Private Health and Life Insurance</li><li>Food Vouchers</li><li>Long Service&nbsp;Reward at&nbsp;10, 15 &amp; 20 year&nbsp;anniversary</li><li>Baby Birth Gift Card</li><li>Retirement Reward</li><li>Bonus for Referring a Friend</li><li>Hybrid Work Model</li><li>Unlimited Career Opportunities (over 70% of our recruitment processes are internal)</li></ul>

Commercial Business Analyst

We are seeking for an experienced Credit Control Risk Analyst to join our Group Credit Control within the Group Risk Management.&nbsp;By joining this role, you’ll be part of the Group Credit Control which is responsible for the implementation of a sound credit risk management framework throughout the Group and for identifying, monitoring, analyzing, measuring, managing and reporting of credit risks of the Bank, on a solo or consolidated basis. It challenges and assists in the implementation of risk management measures by Business Units, in order to ensure that the processes and controls in place in the First Line of Defense are properly designed and effective.&nbsp;As a credit control risk analyst you will be monitoring the monthly data flow, analyzing the respective data and be responsible for proper internal and external reporting of key risk metrics.&nbsp;Your key responsibilities will be:<ul><li>Data management and Portfolio Analysis (NP formation, impairment, risk classification etc)</li><li>Active involvement in the full circle of IFRS 9 data loading and impairment calculation</li><li>Credit risk drivers Identification</li><li>Ad hoc analysis and reporting (i.e Internal/External Audit, Top Management)</li><li>Participation to ΙΤ projects (FRS, UAT) and Risk projects (i.e. OSI/AQR)</li></ul>&nbsp;You will be a great candidate if you:<ul><li>Have 3 to 10 years of relevant professional experience within an established organization in Banking</li><li>Hold a Bachelor and postgraduate degrees in Maths, Statistics, Finance, Engineering or a quantitative field of study</li><li>Are Proficient of data analytics tools preferable SQL</li><li>Are experienced in credit risk management</li><li>Have credit risk experience of the Retail and/or SME/Corporate customer segments</li><li>Are fluent in English language.</li><li>Have strong interpersonal and communication skills, collaborative spirit, agility and can-do attitude.</li><li>Excel our value-based behaviors with emphasis at Learning &amp; self-improving with every opportunity and Developing new solutions, minimising complexity</li></ul>&nbsp;What’s in it for you:<ul><li>Competitive remuneration.&nbsp;</li><li>Hybrid work: work-life balance through remote and in-office work.  &nbsp;&nbsp;</li><li>Learning &amp; Development:&nbsp;</li></ul><ul><li></li></ul><ul><li>Access Unlimited LinkedIn Learnings, international training methodologies&nbsp;</li><li>Upskilling, Professional development and career guidance from successful executives.   &nbsp;</li><li>Identification and Utilization of Talent Pool through a structured Talent Management process.  &nbsp;&nbsp;</li></ul><ul><li>Wellbeing:&nbsp;</li></ul><ul><li></li></ul><ul><li>Premium Health &amp; Life insurance for you, your partner and/or your family and mental health support. &nbsp;</li><li>Pension plan to support your plans and future financial expectations.  &nbsp;</li><li>Team building &amp; wellbeing activities.  &nbsp;</li><li>Potential Extra days of annual leave (Winter Bonus).   &nbsp;&nbsp;</li><li>Engage in volunteering activities through our TeamUp program.&nbsp;</li></ul><ul><li>Extra Benefits:</li></ul><ul><li></li></ul><ul><li>Exclusive discounts at partner stores.  &nbsp;</li><li>Staff pricing for banking products.  &nbsp;</li><li>Nursery and summer camp allowance for your little ones.  &nbsp;</li></ul>

Credit Control Risk Analyst

We are seeking a dynamic&nbsp;Business Analyst&nbsp;to join our Lending &amp; Risk Management Services Business Analysis Unit within the Group Organization and Business Analysis department. The Lending &amp; Risk Management Services Business Analysis Unit is responsible for conducting detailed business analyses, outlining problems, identifying opportunities, and proposing solutions for the business, while taking risk assessment and compliance obligations into account including support of risk-related initiatives and processes (e.g., credit assessment, monitoring, and reporting). This includes defining business requirements and reporting them back to stakeholders, executing initial tests, and ensuring that deliverables meet the required standards. As a Business Analyst you will be responsible for bridging the gap between IT and the business stakeholders, alongside the relevant enablers (e.g Compliance, Operational Risk etc.) In this role, you will gain exposure to lending transformation initiatives and digital banking projects, contributing to the evolution of the lending platforms and processes.&nbsp; Your key responsibilities will be:<ul><li>Liaise with management and stakeholders, performing stakeholder analysis as a prerequisite.</li><li>Write scenarios and user acceptance test cases, and coordinate with IT to prepare designs for functional specifications.</li><li>Identify opportunities for improvement in business operations and processes, and design or modify business systems.</li><li>Interact with business stakeholders and subject matter experts to understand their problems and needs.</li><li>Gather, document, and analyze business needs and requirements, modeling business processes, and identifying opportunities for process improvements.</li><li>Analyze &amp; resolve business problems, document the functional design of the system, and assist in testing the system and creating user manuals and documentations.&nbsp;</li><li>Support analysis and implementation of risk-related requirements, including data, reporting, and process enhancements</li></ul>&nbsp;You will be a great candidate if you:<ul><li>Hold a Bachelor's and preferably a prostgraduate degree in Finance, Business Administration, or IT.</li><li>Have 2 to 5 years of relevant professional experience as a business analyst in the lending domain.</li><li>Are experienced with wholesale applications&nbsp;and/or retail lending and risk management applications.</li><li>Have a solid understanding and interest in the lending lifecycle.</li><li>Possess advanced analytical and conceptual skills.</li><li>Are proficient in the MS Office tools (Excel, PowerPoint, Visio)</li><li>Have excellent command of English and Greek (both in writing and verbally) Have strong interpersonal and communication skills, a collaborative spirit, agility, and a can-do attitude.</li><li>Hold or are in the process of obtaining professional qualifications (e.g., PRINCE2, PMP, CBAP, SIX SIGMA LEAN), which will be appreciated.</li><li>Familiarity with credit risk concepts, data, or regulatory frameworks (e.g., IFRS9, Basel) will be considered an asset.</li></ul>&nbsp;What’s in it for you:<ul><li>Competitive remuneration.&nbsp;</li><li>Hybrid work: work-life balance through remote and in-office work.  &nbsp;&nbsp;</li><li>Learning &amp; Development:&nbsp;</li></ul><ul><li></li></ul><ul><li>Access Unlimited Udemy Learnings, international training methodologies&nbsp;</li><li>Upskilling, Professional development and career guidance from successful executives.   &nbsp;</li><li>Identification and Utilization of Talent Pool through a structured Talent Management process.  &nbsp;&nbsp;</li></ul><ul><li>Wellbeing:&nbsp;</li></ul><ul><li></li></ul><ul><li>Premium Health &amp; Life insurance for you, your partner and/or your family and mental health support. &nbsp;</li><li>Pension plan to support your plans and future financial expectations.  &nbsp;</li><li>Team building &amp; wellbeing activities.  &nbsp;</li><li>Potential Extra days of annual leave (Winter Bonus).   &nbsp;&nbsp;</li><li>Engage in volunteering activities through our TeamUp program.&nbsp;</li></ul><ul><li>Extra Benefits:</li></ul><ul><li></li></ul><ul><li>Exclusive discounts at partner stores.  &nbsp;</li><li>Staff pricing for banking products.  &nbsp;</li><li>Nursery and summer camp allowance for your little ones.  &nbsp;</li></ul>

Lending Services Business Analyst

What Impact will you make?&nbsp;Are you looking for an&nbsp;opportunity&nbsp;in&nbsp;Thessaloniki&nbsp;that offers you a&nbsp;hybrid working model?&nbsp;Are you ready to work on&nbsp;large scale&nbsp;projects for industry-leading clients&nbsp;around the world and elevate your&nbsp;career&nbsp;to an&nbsp;international level?&nbsp;If so, check below for more info about this career&nbsp;opportunity!&nbsp;You bring passion, we bring opportunities!&nbsp;#YourOpportunity&nbsp;Deloitte is a worldwide leader in Professional Services with a presence in more than 150 countries and territories. Since 2018, Deloitte has been operating its&nbsp;Competence Center in Thessaloniki with satellites in the cities of Patras, Heraklion, and Ioannina&nbsp;- which are model hubs of expertise, training, and innovation, specializing in cutting-edge exponential technologies, in which graduates and young professionals undergo immersive experiences, continuous learning, gaining practical insights and hands-on training that empower them to navigate the complexities of the digital landscape.&nbsp;&nbsp;Deloitte is an ideal working environment for&nbsp;both young and senior professionals&nbsp;who want to take the next step in their careers, offering them a supportive and international working environment that leverages their expertise and potential. Its corporate culture is based on trust and collaboration and ensures diversity and inclusion so that everyone feels part of a great team.&nbsp;&nbsp;We are currently seeking for enthusiastic team players with exceptional analytical skills and a well-rounded personality to become part of our dynamic and highly motivating&nbsp;M&amp;A Transaction Services&nbsp;team&nbsp;in&nbsp;Thessaloniki. Our team is specialized in providing in-depth transaction support services, especially M&amp;A advisory, to private equity investors, international funds and other interested parties.&nbsp;#YourServiceLineStrategy,&nbsp;Risk&nbsp;&amp;&nbsp;Transactions&nbsp;(SR&amp;T)&nbsp;Advisory&nbsp;Strategy,&nbsp;Risk&nbsp;&amp;&nbsp;Transactions&nbsp;(SR&amp;T)&nbsp;is&nbsp;an&nbsp;end-to end&nbsp;strategic&nbsp;advisory&nbsp;practice,&nbsp;enabling&nbsp;our&nbsp;C suite&nbsp;clients&nbsp;to&nbsp;make&nbsp;informed,&nbsp;robust&nbsp;decisions&nbsp;and&nbsp;strategic&nbsp;choices.&nbsp;It&nbsp;integrates&nbsp;the&nbsp;full&nbsp;scale&nbsp;of&nbsp;Deloitte's&nbsp;M&amp;A&nbsp;capabilities,&nbsp;consolidates&nbsp;Climate&nbsp;&amp;&nbsp;Sustainability&nbsp;advisory&nbsp;capabilities,&nbsp;and&nbsp;tightens&nbsp;the&nbsp;connection&nbsp;between&nbsp;strategy&nbsp;development&nbsp;and&nbsp;risk&nbsp;management&nbsp;to&nbsp;assist&nbsp;clients&nbsp;with&nbsp;navigating&nbsp;uncertainty&nbsp;and&nbsp;change.&nbsp;#AboutYourTeamThe&nbsp;Private&nbsp;Equity,&nbsp;M&amp;A,&nbsp;and&nbsp;Infrastructure&nbsp;Advisory&nbsp;team&nbsp;is&nbsp;being&nbsp;setup&nbsp;as&nbsp;part&nbsp;of&nbsp;CFA&nbsp;practice.&nbsp;The&nbsp;team&nbsp;will&nbsp;advise&nbsp;on&nbsp;acquisitions,&nbsp;divestments,&nbsp;buy-outs&nbsp;and&nbsp;capital&nbsp;raisings&nbsp;across&nbsp;the&nbsp;above&nbsp;mentioned&nbsp;sectors,&nbsp;a&nbsp;significant&nbsp;number&nbsp;of&nbsp;which&nbsp;will&nbsp;be&nbsp;cross-border&nbsp;or&nbsp;international&nbsp;in&nbsp;nature.&nbsp;The&nbsp;team&nbsp;will&nbsp;work&nbsp;closely&nbsp;with&nbsp;the&nbsp;Private&nbsp;Market&nbsp;Advisory&nbsp;that&nbsp;provides&nbsp;consulting&nbsp;advice&nbsp;to&nbsp;public&nbsp;and&nbsp;private&nbsp;sector,&nbsp;and&nbsp;the&nbsp;Financial&nbsp;Investors&nbsp;and&nbsp;Institutional&nbsp;Tax&nbsp;teams&nbsp;that&nbsp;cover&nbsp;all&nbsp;the&nbsp;major&nbsp;sources&nbsp;of&nbsp;capital&nbsp;-&nbsp;Private&nbsp;Equity,&nbsp;Pension&nbsp;funds,&nbsp;Listed&nbsp;institutional&nbsp;landlord.&nbsp;As&nbsp;such,&nbsp;the&nbsp;team&nbsp;will&nbsp;have&nbsp;visibility&nbsp;across&nbsp;a&nbsp;wide&nbsp;spectrum&nbsp;of&nbsp;interesting&nbsp;real&nbsp;estate&nbsp;and&nbsp;infrastructure&nbsp;situations&nbsp;and&nbsp;access&nbsp;to&nbsp;global&nbsp;capital&nbsp;sources.&nbsp;#YourRoleYour role as a&nbsp;Senior Consultant&nbsp;will focus on the execution of financial due diligence engagements, i.e. performing and presenting analyses on the financial and business performance of a company, including analysis of adjusted earnings (Quality of Earnings), adjusted net debt and working capital and understanding of other potential deal / value drivers, within the context of a potential extraordinary transaction, supporting buyers and sellers in assessing their related risks and opportunities.You will focus on the delivery of client engagements, by understanding objectives for clients and Deloitte, aligning your own work to objectives and setting personal priorities, teaming with others across businesses and borders and taking accountability for own and team results. In this role, you will build relationships and exercise your communication skills in order to positively influence your peers and other stakeholders. You will commit to personal learning and development by actively seeking opportunities for growth, you will share knowledge and experience with others, and act as a strong brand ambassador, embracing our purpose and values in order to put these into practice in your professional life.&nbsp;During your tenure as a&nbsp;Senior Consultant&nbsp;/ Assistant Manager you will demonstrate and develop the ability to:&nbsp;<ul><li>Select appropriate methods for collecting and analyzing large and complex data sets to extract insights and support solutions;</li><li>Build an understanding of how stages of the M&amp;A lifecycle operate to enhance delivery in own phase of expertise;</li><li>Produce a high quality work product and collaborate with others across phases of the M&amp;A transaction lifecycle to deliver a superior client experience;</li><li>Analyze financial and accounting information when evaluating transactions;</li><li>Manage own work in an ethical manner with a continuous attention to quality and risk rules, and confidentiality;</li><li>Help the team determine attractiveness/readiness of a proposed deal by identifying pre-deal transaction benefits/risks;</li><li>Drive sound financial decision making throughout the transaction through diligence.</li></ul>&nbsp;#Our Requirements&nbsp;Key QualificationsTo qualify for the role you must have:<ul><li>At least 3 years of relevant work experience in transaction services &amp; financial due diligence services and / or audit and assurance services, preferably within a Big 4 environment or another international advisory firm;</li><li>Relevant experience in:</li><li>Financial Due Diligence Services;</li><li>Vendor Financial Due Diligence Services;</li><li>Understanding of transactions and awareness of price adjustment mechanisms;</li><li>Strong presentation and communication skills;</li><li>Excellent command of the English and Greek language;</li><li>Strong report writing skills;</li><li>Analytical thinking and problem solving skills;</li><li>Computer Literacy. Excellent MS Office knowledge (mainly focused on MS Excel and MS PowerPoint);</li><li>University Degree in Economics, Accounting, Finance or related disciplines;</li><li>Military obligations fulfilled where applicable;</li><li>Ability to operate in high performing teams and manage multiple priorities and projects.</li></ul>&nbsp;Preferred skills:<ul><li>Postgraduate Degree in Finance, Economics, Accounting, Business Administration from a prominent University;</li><li>Completed (or nearly completed) professional certifications, such as Association of Chartered Certified Accountants (ACCA), ICAEW Chartered Accountant (ACA), Chartered Financial Analyst (CFA) or similar will be considered an asset.</li></ul>&nbsp;#WhatWeOfferAt Deloitte, we know that great people make a great organization. We value our people and offer employees a broad range of benefits:🏠&nbsp;Modern hybrid workplace, characterized by flexibility and Smart Working⚖&nbsp;Empowered well-being: We provide multiple program offerings to support your well-being needs (flexible working arrangements,&nbsp;extra days of leave,&nbsp;parental allowances)&nbsp;🌍&nbsp;Engagement within international large-scale teams and projects, with opportunities to travel&nbsp;for training or client purposes.&nbsp;📚&nbsp;Constant opportunities for learning with unlimited access to internal and external learning platforms and sponsored&nbsp;certificates&nbsp;aligned with business needs and technology trends&nbsp;🚀&nbsp;Challenging and innovating environment where personal development and growth are encouraged, always with transparency and trust&nbsp;?&nbsp;Diverse culture and active communities that enable you to bring yourself&nbsp;to&nbsp;work&nbsp;&nbsp;🎉&nbsp;Team Building and Corporate Social&nbsp;Responsibility Activities🏃&nbsp;A buddy to support you with your onboarding🌴&nbsp;Extra days of annual leave⚕&nbsp;Private medical health insurance plan&nbsp;💳&nbsp;Ticket restaurant card&nbsp;?&nbsp;Exclusive Discounts&nbsp;to several retail providers, restaurants and others&nbsp;📱&nbsp;&nbsp;Mobile phone&nbsp;🍏&nbsp;Fresh&nbsp;fruits&nbsp;and unlimited coffee&nbsp;everyday&nbsp;at our offices&nbsp;&nbsp;&nbsp;Please note that all well-being benefits mentioned above are subject to annual review.&nbsp;ABOUT DELOITTE&nbsp;#Our servicesDeloitte offers Global professional services that include Audit, Risk Advisory, Tax, Consulting and Financial Advisory. Our approach combines insight and innovation from multiple disciplines with global business and industry expertise to help our clients excel anywhere in the world.We deliver outstanding impact on the reputation and success of our clients, in Greece and globally. In pursuing this we contribute to a sustainable and prosperous society, and are firm believers in the positive impact business can and should have on the world it operates within.&nbsp;#Our PurposeOur purpose, "To make an impact that matters for our clients, our people and society "- defines who we are and what we stand for. This is not about size, it&amp;#39s about being the first choice. The first choice for the largest and most influential clients, and the first choice for the best talent.&nbsp;#Our valuesAt Deloitte we foster a collaborative culture where talented individuals can produce their best work. We value innovative thinking, diverse insights and a genuinely distinctive level of customer service through our expertise and professionalism.We value difference, with respect at the heart of our inclusive culture.&nbsp;#Our talent experienceFrom day one at our firm, practitioners are part of a community. Our development and career progression framework will help them develop the skills and capabilities to succeed. The wellness of our people and the ability to offer agile working arrangements is at the centre of our unique talent experience. We create a workplace that encourages collaboration, creativity, inclusiveness to ensure our staff are supported, encouraged and feel a sense of purpose and meaning in what they do each day.&nbsp;Sounds like the sort of role for you? Apply now. This document has been prepared by Deloitte Business Solutions Societe Anonyme of Business Consultants, Deloitte Certified Public Accountants Societe Anonyme and Deloitte Alexander Competence Center Single Member Societe Anonyme of Business Consultants.Deloitte Business Solutions Societe Anonyme of Business Consultants, a Greek company, registered in Greece with registered number 000665201000 and its registered office at Marousi Attica, 3a Fragkokklisias &amp; Granikou str., 151 25, Deloitte Certified Public Accountants Societe Anonyme, a Greek company, registered in Greece with registered number 0001223601000 and its registered office at Marousi, Attica, 3a Fragkokklisias &amp; Granikou str., 151 25 and Deloitte Alexander Competence Center Single Member Societe Anonyme of Business Consultants, a Greek company, registered in Greece with registered number 144724504000 and its registered office at Thessaloniki, Municipality of Pylaia - Chortiatis of Thessaloniki, Vepe Technopolis Thessaloniki (5th and 3rd street), are all companies of the Deloitte Central Mediterranean S.r.l. (“DCM”) geography. DCM, a company limited by guarantee registered in Italy with registered number 09599600963 and its registered office at Via Santa Sofia no.28, 20122, Milan, Italy is one of the Deloitte NSE LLP geographies. Deloitte NSE LLP is a UK limited liability partnership and member firm of Deloitte Touche Tohmatsu Limited, a UK private company limited by guarantee.Deloitte refers to one or more of Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms and their related entities (collectively, the “Deloitte organization”). DTTL (also referred to as “Deloitte Global”) and each of its member firms and related entities are legally separate and independent entities, which cannot obligate or bind each other in respect of third parties. DTTL and each DTTL member firm and related entity is liable only for its own acts and omissions, and not those of any of each other. DTTL does not provide services to clients. Please see&nbsp;www.deloitte.com/&nbsp;about to learn more.DTTL, Deloitte NSE LLP and Deloitte Central Mediterranean S.r.l. do not provide services to clients. Please see&nbsp;www.deloitte.com/about&nbsp;to learn more about our global network of member firms.Deloitte is a leading global provider of audit and assurance, consulting, tax and related services. Our global network of member firms and related entities in more than 150 countries and territories serves four out of five Fortune Global 500® companies. Learn how Deloitte’s approximately 470,000 people make an impact that matters at&nbsp;www.deloitte.com.This communication contains general information only, and Deloitte Business Solutions Societe Anonyme of Business Consultants, Deloitte Certified Public Accountants Societe Anonyme and Deloitte Alexander Competence Center Single Member Societe Anonyme of Business Consultants, is not, by means of this communication, rendering professional advice or services. Before making any decision or taking any action that may affect your finances or your business, you should consult a qualified professional adviser. No entity in the Deloitte organization shall be responsible for any loss whatsoever sustained by any person who relies on this communication. Deloitte organization refers to Deloitte Touche Tohmatsu Limited (“DTTL”), its global network of member firms and their related entities collectively.© 2026 For more information contact Deloitte Central Mediterranean.

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