E O S A n n u a l R e p o r t 2 0 2 0 / 2 0 2 1 | T h e F i s c a l Ye a r 2 0 2 0 / 2 1 1 9 Assets The total assets of EOS Consolidated increased by 3.7 percent over prior year to EUR 2.3 billion. One reason was the inventory of purchased debt portfolios and real estate which grew to EUR 1.9 billion (previous year: EUR 1.8 billion) despite lower total investment during the financial year. This was mainly caused by disproportionately high investment toward the end of the financial year, associated with lower repayments in the reporting period. Other drivers were record investments in Spain and France and an increase in investments in Eastern Europe. Purchased portfolios account for 75.1 percent and real estate in inventories 8 percent of total assets. Fixed assets Purchased receivables and real estate in inventories* Receivables Cash and cash equivalents Other assets Total assets 28 Feb. 2021 29 Feb. 2020 EUR % EUR % 234,620 1,898,522 60,964 50,211 39,161 10.3 83.1 2.7 2.2 1.7 263,548 1,834,308 22,002 43,286 39,684 12.0 83.3 1.0 2.0 1.8 2,283,478 100.0 2,202,828 100.0 * Includes portfolio investments reported as loans receivable for structural reasons (financial presentation) Equity and financing In the last financial year, the total financing developed favorably compared with the previous year. The company’s equi- ty increased by EUR 65 million, due in part to a partial profit retention from the previous year’s result. The equity-to- assets ratio of 35.1 percent is at a relatively high level for a financial services provider and is 1.6 percent higher than the previous year. While borrowing from banks decreased, the EOS Group’s refinancing needs, which are covered by the parent company, increased compared to the previous year. Equity Provisions Liabilities with banks Liabilities with related parties and companies Trade payables Other liabilities Total financing 28 Feb. 2021 29 Feb. 2020 EUR % EUR % 802,131 100,355 162,043 1,010,266 42,147 166,537 35.1 4.4 7.1 44.2 1.8 7.3 737,220 105,510 222,839 925,484 46,177 165,598 33.5 4.8 10.1 42.0 2.1 7.5 2,283,478 100.0 2,202,828 100.0