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Default Numberformat vs string question

Hi,

if I have the following formula on a sheet in cell B1:

If(A10;"Premium due = EUR " & A1;"Premium Return = EUR " & A1)

the return in cell B1 will be f.i. Premium due = EUR 1000

How can I get to print another number format/lay out within the
formula, i.e. that the outcome will be:

Premium due = EUR 1.000,00

Thanks, Mike
 
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