{"id":106288,"date":"2024-11-01T15:26:45","date_gmt":"2024-11-01T13:26:45","guid":{"rendered":"https:\/\/banknews.gr\/?p=106288"},"modified":"2024-11-01T15:26:45","modified_gmt":"2024-11-01T13:26:45","slug":"%cf%84%cf%81%ce%ac%cf%80%ce%b5%ce%b6%ce%b1-%cf%80%ce%b5%ce%b9%cf%81%ce%b1%ce%b9%cf%8e%cf%82-%ce%b8%ce%b5%cf%84%ce%b9%ce%ba%ce%ac-%cf%83%cf%87%cf%8c%ce%bb%ce%b9%ce%b1-%ce%b1%cf%80%cf%8c-%cf%84%ce%bf","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=106288","title":{"rendered":"\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2: \u0398\u03b5\u03c4\u03b9\u03ba\u03ac \u03c3\u03c7\u03cc\u03bb\u03b9\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf\u03c5\u03c2 \u03b1\u03bd\u03b1\u03bb\u03cd\u03c4\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 &#8211; \u0391\u03bd\u03bf\u03af\u03b3\u03b5\u03b9 \u03bf \u03b4\u03c1\u03cc\u03bc\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae"},"content":{"rendered":"<p>\u039c\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 \u03c4\u03c1\u03af\u03c4\u03bf\u03c5 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd<strong>\u00a0\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2,<\/strong>\u00a0\u03bf\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2\u00a0<strong>\u03c3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03c5\u03bd \u03ac\u03ba\u03c1\u03c9\u03c2 \u03b8\u03b5\u03c4\u03b9\u03ba\u03ac \u03c4\u03b9\u03c2 \u03b5\u03be\u03b5\u03bb\u03af\u03be\u03b5\u03b9\u03c2<\/strong>. \u0397 \u03bc\u03b5\u03b3\u03ac\u03bb\u03b7 \u03b8\u03b5\u03c4\u03b9\u03ba\u03ae \u03b1\u03bb\u03bb\u03b1\u03b3\u03ae \u03b5\u03af\u03bd\u03b1\u03b9 \u03bf \u03bf\u03b4\u03b9\u03ba\u03cc\u03c2 \u03c7\u03ac\u03c1\u03c4\u03b7\u03c2 \u03c0\u03bf\u03c5 \u03b4\u03cc\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03b7 \u03b4\u03b7\u03bc\u03bf\u03c3\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u00a0<strong>\u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03be\u03ac\u03bb\u03b5\u03b9\u03c8\u03b7 \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd (DTC)<\/strong>\u00a0\u03c9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf 2034 \u03c0\u03bf\u03c5 \u03b1\u03bd\u03bf\u03af\u03b3\u03b5\u03b9 \u03c4\u03bf\u03bd \u03b4\u03c1\u03cc\u03bc\u03bf \u03b3\u03b9\u03b1\u00a0<strong>\u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ad\u03c2 \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd<\/strong>\u00a0\u03bc\u03b5 \u03b1\u03c0\u03b1\u03c1\u03c7\u03ae \u03c4\u03b7 \u03c6\u03b5\u03c4\u03b9\u03bd\u03ae \u03c7\u03c1\u03ae\u03c3\u03b7.<\/p>\n<p>H \u03b1\u03bc\u03b5\u03c1\u03b9\u03ba\u03b1\u03bd\u03b9\u03ba\u03ae \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u00a0<strong>Morgan Stanley<\/strong>\u00a0<strong>(\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 overweight \u03bc\u03b5 \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 \u20ac5,39)<\/strong>\u00a0\u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b1\u03bd\u00a0<strong>\u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 consensus<\/strong>, \u03c0\u03b1\u03c1\u03ac \u03c4\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1, \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc\u00a0<strong>2%,<\/strong>\u00a0\u03b5\u03bd\u03ce \u03b1<strong>\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7<\/strong>\u00a0\u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c3\u03b5 \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc\u00a0<strong>0,9 \u03b5\u03c5\u03c1\u03ce<\/strong>. \u039f\u03b9 \u03bb\u03cc\u03b3\u03bf\u03b9 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03c4\u03ac\u00a0<strong>+10%<\/strong>\u00a0\u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03c4\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 (C\u03bfR). \u0395\u03af\u03bd\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03cc\u03c4\u03b9 \u03b7 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7\u00a0\u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd (DTC)\u00a0\u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03cd\u03bd\u03b5\u03c4\u03b1\u03b9 \u03ad\u03c9\u03c2 \u03c4\u03bf 2034, \u03b5\u03bd\u03ce \u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 35% \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 30% \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 350 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03c6\u03ad\u03c4\u03bf\u03c2 \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 8%.<\/p>\n<p>\u0397 \u03b1\u03bc\u03b5\u03c1\u03b9\u03ba\u03b1\u03bd\u03b9\u03ba\u03ae \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1<strong>\u00a0Goldman Sachs<\/strong>\u00a0<strong>(\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7\u00a0buy\u00a0\u03bc\u03b5 \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 \u20ac5,40 \u03b5\u03c5\u03c1\u03ce)<\/strong> \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac, \u03b8\u03b5\u03c9\u03c1\u03b5\u03af \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03b1\u03bd\u03b1\u03ba\u03bf\u03b9\u03bd\u03ce\u03b8\u03b7\u03ba\u03b1\u03bd \u03ae\u03c4\u03b1\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac. \u039f\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bb\u03cd\u03c4\u03b5\u03c2 \u03ae\u03c4\u03b1\u03bd \u03b7 \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b5\u03c5\u03b8\u03c5\u03bd\u03c4\u03ae\u03c1\u03b9\u03c9\u03bd \u03b3\u03c1\u03b1\u03bc\u03bc\u03ce\u03bd \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2, \u03b7 \u03b1\u03bd\u03b1\u03b8\u03b5\u03ce\u03c1\u03b7\u03c3\u03b7 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b1 \u03c0\u03ac\u03bd\u03c9 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2, \u03b7 \u03b5\u03c0\u03b9\u03c3\u03ae\u03bc\u03b1\u03bd\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b5\u03c5\u03b8\u03c5\u03bd\u03c4\u03ae\u03c1\u03b9\u03b5\u03c2 \u03b3\u03c1\u03b1\u03bc\u03bc\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 \u03c4\u03bf 2025 \u03c0\u03b1\u03c1\u03ac \u03c4\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03b7 \u03c5\u03c0\u03b5\u03c1\u03bf\u03c7\u03ae \u03c4\u03bf\u03c5 \u03ba\u03b1\u03b8\u03b1\u03c1\u03bf\u03cd \u03b5\u03b9\u03c3\u03bf\u03b4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c4\u03bf\u03c5 \u03b3\u2019 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5\u00a0consensus.<\/p>\n<p>H\u00a0<strong>JP Morgan\u00a0(\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7\u00a0overweight\u00a0\u03ba\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c4\u03b1 \u20ac5,90),<\/strong> \u03b5\u03be\u03b7\u03b3\u03b5\u03af \u03cc\u03c4\u03b9 \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03c3\u03c4\u03bf\u03c7\u03b5\u03cd\u03b5\u03b9 \u03c3\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03c3\u03c4\u03bf 35% \u03b1\u03c0\u03cc \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2024 (\u03b1\u03c0\u03cc 30% \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2), \u03bc\u03b5 \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03b3\u03b9\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c3\u03c4\u03bf 50% \u03c4\u03bf \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03ad\u03c4\u03bf\u03c2, \u03c0\u03bf\u03c5 \u03bc\u03b5\u03c4\u03b1\u03c6\u03c1\u03ac\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03b4\u03c5\u03bd\u03b7\u03c4\u03b9\u03ba\u03ae \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 8% \u03ba\u03b1\u03b9 12% (\u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7\u00a0JPM). \u0391\u03c5\u03c4\u03cc \u03ba\u03b1\u03b8\u03af\u03c3\u03c4\u03b1\u03c4\u03b1\u03b9 \u03b5\u03c6\u03b9\u03ba\u03c4\u03cc \u03b1\u03c0\u03cc \u03c4\u03b7 \u03c6\u03b9\u03bb\u03bf\u03b4\u03bf\u03be\u03af\u03b1 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03cd\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7 \u03c4\u03c9\u03bd\u00a0DTCs, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03c6\u03b1\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03c1\u03c5\u03b8\u03bc\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03bf\u03c3\u03c4\u03ae\u03c1\u03b9\u03be\u03b7. \u0391\u03c5\u03c4\u03cc \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03b5\u03cd\u03b5\u03b9 \u03c3\u03b1\u03c6\u03ce\u03c2 \u03c9\u03c2 \u03ad\u03bd\u03b1 \u03c0\u03c1\u03ce\u03b9\u03bc\u03bf \u03bc\u03ae\u03bd\u03c5\u03bc\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c4\u03b9 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03bc\u03b5 \u03bd\u03b1 \u03c0\u03b5\u03c1\u03b9\u03bc\u03ad\u03bd\u03bf\u03c5\u03bc\u03b5 \u03bd\u03b1 \u03b1\u03ba\u03bf\u03cd\u03c3\u03bf\u03c5\u03bc\u03b5 \u03b1\u03c0\u03cc \u03ac\u03bb\u03bb\u03b5\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b1 \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c4\u03bf\u03c5\u03c2 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2 \u03bc\u03ae\u03bd\u03b5\u03c2, \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03b8\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03bf\u03cd\u03bd \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf 50% \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd \u03c4\u03b7\u03c2\u00a0Alpha\u00a0\u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u0395\u03a4\u0395, \u03b3\u03b9\u03b1 \u03c4\u03bf 2025.<\/p>\n<p>H \u03b1\u03bc\u03b5\u03c1\u03b9\u03ba\u03b1\u03bd\u03b9\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1<strong>\u00a0Citi (\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7\u00a0buy\u00a0\u03ba\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c4\u03b1 \u20ac5,20 )<\/strong>\u00a0\u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b7 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c4\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c4\u03c1\u03ad\u03c7\u03bf\u03bd \u03ad\u03c4\u03bf\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf\u03c7\u03b5\u03cd\u03b5\u03b9 \u03c0\u03bb\u03ad\u03bf\u03bd \u03c3\u03b5 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (EPS) \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 0,90 \u03b5\u03c5\u03c1\u03ce (\u03b1\u03c0\u03cc 0,80 \u03b5\u03c5\u03c1\u03ce), \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 RoTE \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 17% (\u03b1\u03c0\u03cc 14%)\u03ba\u03b1\u03b9 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf NIM \u03c3\u03c4\u03bf 2,7% \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 2,6%. \u0397\u00a0Citi\u00a0\u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03ba\u03ac\u03c0\u03bf\u03b9\u03b1 \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b1\u03b8\u03b5\u03ce\u03c1\u03b7\u03c3\u03b7 \u03c3\u03c4\u03bf consensus \u03bc\u03b5\u03c4\u03ac \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bf\u03b9 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5 \u03ad\u03c4\u03bf\u03c5\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ae\u03b4\u03b7 \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b5\u03c2 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b8\u03b5\u03c9\u03c1\u03b7\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7\u03c2.<\/p>\n<p>H \u03b5\u03bb\u03b2\u03b5\u03c4\u03b9\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1<strong>\u00a0UBS (\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 buy \u03ba\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c4\u03b1 \u20ac5,70)<\/strong>\u00a0\u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b1\u03bd \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03c4\u03b7\u03c2. \u0397 \u03b5\u03bd\u03c3\u03ce\u03bc\u03b1\u03c4\u03b7 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9, +15% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c3\u03c4\u03b1 5,69 \u03b5\u03c5\u03c1\u03ce, \u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03c4\u03ac 1%. \u0397 \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c3\u03c4\u03bf NIM \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c3\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u20ac22,5 \u03b5\u03ba\u03b1\u03c4. \u03b3\u03b9\u03b1 25 \u03bc.\u03b2. \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u20ac27,5 \u03b5\u03ba\u03b1\u03c4. \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2. \u03a3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03b5\u03af\u03bd\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03b7 \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b7 \u03c4\u03b7\u03c2\u00a0\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2\u00a0\u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03b9 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03b7 \u03ba\u03b1\u03b8\u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf NII \u03b3\u03b9\u03b1 \u03c4\u03bf 2025 \u03c3\u03c4\u03b1 1,85-1,9 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03b1\u03c0\u03cc 1,8 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2 (\u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 UBS 1,9 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce), \u03c0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03c3\u03c5\u03bd\u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03b1\u03c0\u03cc \u03cc\u03c4\u03b9 \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2. \u0397 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7 \u03c4\u03bf\u03c5 DTC \u03b8\u03b1 \u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03c5\u03bd\u03b8\u03b5\u03af \u03b5\u03c0\u03b9\u03c4\u03c1\u03ad\u03c0\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae (\u03c5\u03c0\u03bf\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c3\u03c4\u03bf 30% \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03c4\u03bf\u03c5 CET1 \u03ad\u03c9\u03c2 \u03c4\u03bf 2027 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 40% \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u039c\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 \u03c4\u03c1\u03af\u03c4\u03bf\u03c5 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