{"id":106888,"date":"2024-11-08T12:49:02","date_gmt":"2024-11-08T10:49:02","guid":{"rendered":"https:\/\/banknews.gr\/?p=106888"},"modified":"2024-11-08T12:49:02","modified_gmt":"2024-11-08T10:49:02","slug":"%ce%bf%ce%b9-%ce%b5%cf%80%ce%b5%ce%bd%ce%b4%cf%85%cf%84%ce%b9%ce%ba%ce%bf%ce%af-%ce%bf%ce%af%ce%ba%ce%bf%ce%b9-%ce%b4%ce%af%ce%bd%ce%bf%cf%85%ce%bd-%cf%88%ce%ae%cf%86%ce%bf-%ce%b5%ce%bc%cf%80","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=106888","title":{"rendered":"\u039f\u03b9 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03bf\u03af \u03bf\u03af\u03ba\u03bf\u03b9 \u03b4\u03af\u03bd\u03bf\u03c5\u03bd &#8220;\u03c8\u03ae\u03c6\u03bf&#8221; \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 &#8211; \u03a0\u03c9\u03c2 \u03c3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03c5\u03bd \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 &#8211; \u039f\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9"},"content":{"rendered":"<p>\u039f\u03b9 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03bf\u03af \u03bf\u03af\u03ba\u03bf \u03c3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ac \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03c0\u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2, \u03bf\u03b9 \u03b4\u03b9\u03bf\u03b9\u03ba\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03bf\u03c5\u03c2 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2,\u00a0 \u03b8\u03b1 \u03c0\u03bb\u03b7\u03c1\u03ce\u03c3\u03bf\u03c5\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c3\u03b2\u03ad\u03c3\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 (DTCs) \u03c0\u03bf\u03bb\u03cd \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 (\u03c4\u03bf 2033).<\/p>\n<p><strong>Alpha Bank<\/strong><\/p>\n<p><strong>\u00a0\u0397 UBS<\/strong> <strong><span lang=\"EL\">\u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af \u03c4\u03b7 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac \u03bc\u03b5 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 2,32 \u03b5\u03c5\u03c1\u03ce <\/span><\/strong><span lang=\"EL\">\u03ba\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c0\u03c9\u03c2 \u03b7 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 <\/span><span lang=\"EL\">\u03b5\u03af\u03c7\u03b5 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ae \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7 \u03c3\u03c4\u03bf \u03b3\u0384 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf, \u03bc\u03b9\u03ba\u03c1\u03ae \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03c4\u03b7\u03c2. \u039f \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03c0\u03c1\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b5 \u03c4\u03bf<\/span>\u00a0consensus\u00a0<span lang=\"EL\">\u03c0\u03bf\u03c5 \u03c3\u03c5\u03b3\u03ba\u03ad\u03bd\u03c4\u03c1\u03c9\u03c3\u03b5 \u03b7 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1 \u03ba\u03b1\u03c4\u03ac 3%, \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03bf\u03b9 \u03b1\u03c0\u03bf\u03bc\u03b5\u03b9\u03ce\u03c3\u03b5\u03b9\u03c2 \u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 14%, \u03bc\u03b5 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03bf \u03ba\u03ad\u03c1\u03b4\u03bf\u03c2 \u03c0\u03c1\u03bf \u03c6\u03cc\u03c1\u03c9\u03bd \u03bd\u03b1 \u03be\u03b5\u03c0\u03b5\u03c1\u03b1\u03c3\u03c4\u03b5\u03af \u03ba\u03b1\u03c4\u03ac 13%. \u03a9\u03c3\u03c4\u03cc\u03c3\u03bf, \u03c4\u03b1 \u03c3\u03c4\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (<\/span>EPS<span lang=\"EL\">) \u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 29% (+22% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7) \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03c9\u03bd \u03ba\u03ac\u03c4\u03c9 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03b3\u03c1\u03b1\u03bc\u03bc\u03ae. \u0397 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03ae\u03c4\u03b1\u03bd +9% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c3\u03c4\u03b1 2,90 \u03b5\u03c5\u03c1\u03ce. \u03a4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b3\u03b9\u03b1 \u03c4\u03bf \u03b5\u03bd\u03bd\u03b5\u03ac\u03bc\u03b7\u03bd\u03bf \u03c3\u03c4\u03b1 0,27 \u03b5\u03c5\u03c1\u03ce \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03bd\u03ad\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03c3\u03c4\u03b1 0,34 \u03b5\u03c5\u03c1\u03ce \u03b1\u03c0\u03cc 0,33 \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03b9\u03bd. \u03a4\u03bf \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5\u00a0<\/span>CET<span lang=\"EL\">1 \u03c4\u03ce\u03c1\u03b1 \u03c3\u03c4\u03bf 15,5%, \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03b5\u03af \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03bc\u03b5 \u03c4\u03b7 \u03b2\u03bf\u03ae\u03b8\u03b5\u03b9\u03b1 \u03c4\u03b7\u03c2 \u03c1\u03bf\u03c5\u03bc\u03b1\u03bd\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae\u03c2. \u0397 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b7 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03b1\u03bb\u03bb\u03ac \u03b5\u03bd\u03b8\u03b1\u03c1\u03c1\u03c5\u03bd\u03c4\u03b9\u03ba\u03ac \u03c3\u03b7\u03bc\u03ac\u03b4\u03b9\u03b1 \u03b2\u03b5\u03bb\u03c4\u03af\u03c9\u03c3\u03b7\u03c2 \u03c3\u03b5\u00a0<\/span>R<span lang=\"EL\">\u03bf<\/span>TE\u00a0adj<span lang=\"EL\">.\u00a0<\/span><\/p>\n<p>\u0397<strong> JP Morgan<\/strong> \u03bc\u03b5 <strong>\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 2,30 \u03b5\u03c5\u03c1\u03ce \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c0\u03c9\u03c2 \u03b7 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03cc\u03b8\u03b5\u03c3\u03b7 \u03c4\u03b7\u03c2\u00a0Alpha\u00a0Bank\u00a0\u03bc\u03b5\u03c4\u03b1\u03c4\u03c1\u03ad\u03c0\u03b5\u03c4\u03b1\u03b9 \u03cc\u03bb\u03bf \u03ba\u03b1\u03b9 \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf \u03c3\u03b5 \u03bc\u03b9\u03b1 \u03b9\u03c3\u03c4\u03bf\u03c1\u03af\u03b1 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2, \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03c4\u03bf\u03c5 \u03b9\u03c3\u03c7\u03c5\u03c1\u03bf\u03cd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0CET1 \u03c3\u03c4\u03bf \u03c3\u03b7\u03bc\u03b5\u03af\u03bf \u03b5\u03ba\u03ba\u03af\u03bd\u03b7\u03c3\u03b7\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c7\u03b1\u03bc\u03b7\u03bb\u03ce\u03bd \u03b1\u03c0\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03c9\u03bd.<br \/>\n<\/strong><span lang=\"EL\">\u0395\u03ba\u03c4\u03b9\u03bc\u03ac \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03b1\u03bd\u03b1\u03c6\u03b5\u03c1\u03cc\u03bc\u03b5\u03bd\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 \u03b3\u0384 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03cd\u03c8\u03bf\u03c5\u03c2 \u20ac167 \u03b5\u03ba\u03b1\u03c4. \u03ae\u03c4\u03b1\u03bd 2% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf<\/span>\u00a0consensus\u00a0<span lang=\"EL\">\u03c4\u03b7\u03c2 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1\u03c2, \u03bc\u03b5 \u03c4\u03bf \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03ad\u03c3\u03bf\u03b4\u03bf \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 (<\/span>NII<span lang=\"EL\">) 2% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf, \u03c4\u03b9\u03c2 \u03b1\u03bc\u03bf\u03b9\u03b2\u03ad\u03c2 2% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2, \u03c4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 2% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 20% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2. \u03a4\u03bf \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03bf \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03b5\u03c6\u03ac\u03c0\u03b1\u03be \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u20ac50 \u03b5\u03ba\u03b1\u03c4. \u03c0\u03bf\u03c5 \u03c3\u03c7\u03b5\u03c4\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b5\u03b8\u03b5\u03bb\u03bf\u03c5\u03c3\u03af\u03b1\u03c2<\/span>\u00a0VES\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2. \u039c\u03b5 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03b3\u03b9\u03b1 \u03b1\u03c5\u03c4\u03cc, \u03c4\u03b1 \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03ba\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03ae\u03c4\u03b1\u03bd \u20ac229 \u03b5\u03ba\u03b1\u03c4. \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 25% \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf<\/span>\u00a0consensus<span lang=\"EL\">, \u03bc\u03b5<\/span>\u00a0ROTE\u00a0<span lang=\"EL\">13,5% \u03c3\u03c4\u03bf \u03b3\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf. \u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2<\/span>\u00a0CET<span lang=\"EL\">1<\/span>\u00a0pro<span lang=\"EL\">&#8211;<\/span>forma\u00a0<span lang=\"EL\">\u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c5\u03c0\u03cc\u03bb\u03bf\u03b9\u03c0\u03b5\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac 50 \u03bc.\u03b2. \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c3\u03b5 17,1% \u03ba\u03b1\u03b9 \u03b7 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1 \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b5 \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd<\/span>\u00a0DTCs<span lang=\"EL\">, \u03c0\u03b1\u03c1\u03cc\u03bc\u03bf\u03b9\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03bf\u03bc\u03bf\u03b5\u03b9\u03b4\u03b5\u03af\u03c2 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b5\u03c2, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b7 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03bf\u03c4\u03b5\u03af \u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae 50% \u03b1\u03c0\u03cc \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2024 (\u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 35% \u03c4\u03c9\u03bd \u03b4\u03b5\u03b4\u03bf\u03c5\u03bb\u03b5\u03c5\u03bc\u03ad\u03bd\u03c9\u03bd), \u03c4\u03bf\u03c5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03bf\u03bd \u03b3\u03b9\u03b1 \u03b5\u03bd\u03b4\u03b5\u03b9\u03ba\u03c4\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c3\u03ba\u03bf\u03c0\u03bf\u03cd\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03c0\u03b1\u03c1\u03cc\u03bd. \u0397 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03ce\u03c1\u03b1 \u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03c3\u03c4\u03b1 \u20ac0,34, \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 6% \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1<\/span>\u00a0consensus<span lang=\"EL\">. \u039f\u03b9 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2<\/span>\u00a0Alpha\u00a0Bank\u00a0<span lang=\"EL\">\u03c5\u03c0\u03bf\u03c7\u03c9\u03c1\u03bf\u03cd\u03bd \u03ba\u03b1\u03c4\u03ac -5% \u03c6\u03ad\u03c4\u03bf\u03c2 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03bf\u03c5 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03bf\u03cd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7<\/span>\u00a0SX<span lang=\"EL\">7<\/span>P\u00a0<span lang=\"EL\">\u03bc\u03b5 \u03ac\u03bd\u03bf\u03b4\u03bf 26% \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 5 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7<\/span>\u00a0P<span lang=\"EL\">\/<\/span>E\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9 0,5 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7<\/span>\u00a0P<span lang=\"EL\">\/<\/span>TBV\u00a0<span lang=\"EL\">\u03c4\u03bf 2025.\u00a0\u00a0<\/span><\/p>\n<h4><strong>\u00a0Eurobank<\/strong><\/h4>\n<p><strong>\u0397 JP Morgan \u03bc\u03b5<\/strong> <strong><span lang=\"EL\">\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 2,80 \u03b5\u03c5\u03c1\u03ce <\/span><\/strong><span lang=\"EL\">\u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03c0\u03c9\u03c2 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac \u03ba\u03b1\u03b9 \u03b7 \u03c0\u03bf\u03c1\u03b5\u03af\u03b1 \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bb\u03c5\u03c4\u03ce\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03bb\u03bf\u03cd\u03c3\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03c0\u03bf\u03bb\u03cd \u03ac\u03bd\u03b5\u03c4\u03b7<strong> \u03bc\u03b5 \u03c4\u03b7 Eurobank \u03c9\u03c2 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c4\u03b9\u03bc\u03ce\u03bc\u03b5\u03bd\u03b7 \u03ad\u03ba\u03b8\u03b5\u03c3\u03b7 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1<\/strong>, \u03bc\u03b1\u03b6\u03af \u03bc\u03b5 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2. \u0397 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03ac\u03bd\u03bf\u03b4\u03bf 24% \u03c6\u03ad\u03c4\u03bf\u03c2 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 14% \u03c4\u03bf\u03c5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd, \u03b5\u03bd\u03ce \u03c4\u03ce\u03c1\u03b1 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 5,9 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 P\/E \u03ba\u03b1\u03b9 0,8 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 P\/TBV \u03b3\u03b9\u03b1 \u03c4\u03bf 2025. \u00a0<\/span><\/p>\n<p><span lang=\"EL\">\u03a3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03bd\u03af\u03b6\u03b5\u03b9 \u03c0\u03c9\u03c2 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 \u03b3\u2019 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03ae\u03c4\u03b1\u03bd 10% \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf<\/span>\u00a0consensus\u00a0<span lang=\"EL\">\u03c4\u03b7\u03c2 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 12% \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b4\u03b9\u03ba\u03ad\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2, \u03bc\u03b5 \u03c4\u03bf\u00a0<\/span>NII<span lang=\"EL\">\u00a02% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf, \u03c4\u03b9\u03c2 \u03b1\u03bc\u03bf\u03b9\u03b2\u03ad\u03c2 5% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 4% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf, \u03b5\u03bb\u03b1\u03c6\u03c1\u03ce\u03c2 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03bf \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 4% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2. \u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03b1\u03c0\u03bf\u03b4\u03bf\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03b5\u03bd\u03c3\u03ce\u03bc\u03b1\u03c4\u03c9\u03bd<\/span>\u00a0<span lang=\"EL\">\u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd\u00a0<\/span>ROTE<span lang=\"EL\">\u00a0\u03ae\u03c4\u03b1\u03bd 19,9% \u03c3\u03c4\u03bf \u03b3\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03ba\u03b1\u03b9 19,2% \u03c3\u03c4\u03bf \u03b5\u03bd\u03bd\u03b5\u03ac\u03bc\u03b7\u03bd\u03bf, \u03c0\u03c1\u03bf\u03ba\u03b1\u03bb\u03ce\u03bd\u03c4\u03b1\u03c2 \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03c3\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 17,5% \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03b1\u03c0\u03cc \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 16,5%, \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03c9\u03bd \u03c4\u03ac\u03c3\u03b5\u03c9\u03bd \u03c4\u03c9\u03bd\u00a0<\/span>NII<span lang=\"EL\">. \u0391\u03c5\u03c4\u03cc \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03bf \u03c0\u03c1\u03ce\u03c4\u03bf \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b5\u03bd\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2, \u03c6\u03ad\u03c1\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03bd \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc \u03c4\u03b7\u03c2\u00a0<\/span>Eurobank<span lang=\"EL\">\u00a0\u03ba\u03bf\u03bd\u03c4\u03ac \u03c3\u03c4\u03bf \u03cc\u03c1\u03b9\u03bf \u03c4\u03c9\u03bd 100 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce, \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03bf \u03ba\u03b1\u03c4\u03ac 23% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7. \u03a4\u03b1 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03ae\u03c4\u03b1\u03bd \u03ad\u03bd\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b1 \u03b2\u03b1\u03c3\u03b9\u03ba\u03ac \u03c3\u03b7\u03bc\u03b5\u03af\u03b1 \u03b5\u03c3\u03c4\u03af\u03b1\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5<\/span>\u00a0conference\u00a0call\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9 \u03b7 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b5 \u03b5\u03c0\u03af\u03c3\u03b7\u03bc\u03b1 \u03c4\u03bf\u03bd \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03ba\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03bf \u03c3\u03c4\u03cc\u03c7\u03bf\u00a0<\/span>ROTE<span lang=\"EL\">\u00a0\u03c3\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 15% \u03b1\u03c0\u03cc \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 13%, \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b5\u03b9\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03c0\u03b9\u03b8\u03b1\u03bd\u03ae\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03bf\u03cd \u03c3\u03c5\u03bc\u03bc\u03b5\u03c4\u03bf\u03c7\u03ae\u03c2 \u03c3\u03c4\u03bf 100%. \u0397 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b1 \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b5 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1 \u03c4\u03b7\u03bd \u03b1\u03c0\u03cc\u03ba\u03c4\u03b7\u03c3\u03b7 \u03ac\u03bc\u03b5\u03c3\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03ad\u03bc\u03bc\u03b5\u03c3\u03bf\u03c5 \u03bc\u03b5\u03c1\u03b9\u03b4\u03af\u03bf\u03c5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 15% \u03c3\u03c4\u03b7\u03bd \u03ba\u03c5\u03c0\u03c1\u03b9\u03b1\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1, \u03c4\u03bf \u03bf\u03c0\u03bf\u03af\u03bf \u03b8\u03b1 \u03b1\u03bd\u03b5\u03b2\u03ac\u03c3\u03b5\u03b9 \u03c4\u03bf \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03cc \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03b9\u03b4\u03b9\u03bf\u03ba\u03c4\u03b7\u03c3\u03af\u03b1\u03c2 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03c3\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 69% \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03bf\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ae\u03c2. \u0395\u03c0\u03b9\u03c0\u03bb\u03ad\u03bf\u03bd, \u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2\u00a0<\/span>CET<span lang=\"EL\">1 \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc 1,6% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c3\u03b5 17,8%, \u03c7\u03ac\u03c1\u03b7 \u03c3\u03c4\u03b1 \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd\u00a0<\/span>RWA<span lang=\"EL\">\u00a0\u03c0\u03bf\u03c5 \u03c3\u03c7\u03b5\u03c4\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b1\u03be\u03b9\u03bf\u03bb\u03bf\u03b3\u03ae\u03c3\u03b5\u03b9\u03c2 (16,9% \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2). \u03a0\u03b1\u03c1\u03cc\u03bc\u03bf\u03b9\u03b1 \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03bf\u03bc\u03cc\u03c4\u03b9\u03bc\u03bf\u03c5\u03c2 \u03bf\u03bc\u03af\u03bb\u03bf\u03c5\u03c2, \u03bf \u038c\u03bc\u03b9\u03bb\u03bf\u03c2 \u03c3\u03c7\u03b5\u03b4\u03b9\u03ac\u03b6\u03b5\u03b9 \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 \u03c5\u03c0\u03bf\u03bb\u03bf\u03af\u03c0\u03c9\u03bd\u00a0<\/span>DTC<span lang=\"EL\"> \u03ba\u03b1\u03b9 \u03ad\u03c7\u03b5\u03b9 \u03b1\u03c5\u03be\u03ae\u03c3\u03b5\u03b9 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03c4\u03bf 2024 \u03c3\u03c4\u03bf 50%.<\/span><\/p>\n<p><strong>\u0397 Jefferies\u00a0<\/strong> \u03bc\u03b5 <strong><span lang=\"EL\">\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7\u00a0 \u03b1\u03b3\u03bf\u03c1\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c3\u03c4\u03b1 2,90 \u03b5\u03c5\u03c1\u03ce <\/span><\/strong><span lang=\"EL\">\u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03b5\u03bd\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7<\/span>\u00a0Eurobank\u00a0<span lang=\"EL\">\u03cc\u03c4\u03b9 \u03b3\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03ae\u03c4\u03b1\u03bd \u03ac\u03bb\u03bb\u03bf \u03ad\u03bd\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03bc\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7<\/span>\u00a0RoTBV\u00a0<span lang=\"EL\">19,9% \u03ba\u03b1\u03b9 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1<\/span>\u00a0TBV\u00a0<span lang=\"EL\">\u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7 \u03ba\u03b1\u03c4\u03ac 18% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c3\u03c4\u03b1 2,27 \u03b5\u03c5\u03c1\u03ce. \u03a4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c0\u03c1\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03ae\u03c1\u03b8\u03b1\u03bd 5% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c3\u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1 (<\/span>NII\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2), \u03b5\u03bd\u03ce \u03c4\u03b1 \u03ad\u03be\u03bf\u03b4\u03b1 \u03ae\u03c4\u03b1\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf. \u0398\u03b5\u03c4\u03b9\u03ba\u03cc \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03bf \u03c4\u03bf\u03c5 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03ae\u03c4\u03b1\u03bd \u03b7 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03ae\u03c4\u03b1\u03bd \u03ad\u03bd\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf\u03c5\u03c2 \u03bb\u03cc\u03b3\u03bf\u03c5\u03c2 \u03c0\u03bf\u03c5 \u03b7<\/span>\u00a0Eurobank\u00a0<span lang=\"EL\">\u03b1\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\u03bf 2024 \u03b3\u03b9\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf<\/span>\u00a0NII\u00a0<span lang=\"EL\">(\u03c4\u03ce\u03c1\u03b1 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9<\/span>\u00a0NIM\u00a0<span lang=\"EL\">280 \u03bc.\u03b2. \u03ba\u03b1\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7<\/span>\u00a0RoTBV\u00a0<span lang=\"EL\">\u03c0\u03ac\u03c9 \u03b1\u03c0\u03cc 17,5%). \u0397<\/span>\u00a0Eurobank\u00a0<span lang=\"EL\">\u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b5 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b3\u0384 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03cd\u03c8\u03bf\u03c5\u03c2 413 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03ae\u03c4\u03b1\u03bd 21% \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf<\/span>\u00a0consensus<span lang=\"EL\">. \u03a4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c0\u03c1\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03ae\u03c4\u03b1\u03bd 5% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1, \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd (\u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1<\/span>\u00a0NII\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2 \u03bc\u03b5 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf.<\/span><\/p>\n<p><strong><span lang=\"EL\">\u0397<\/span> Morgan Stanley \u03bc\u03b5 <span lang=\"EL\">\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u00a0 \u03c4\u03b1 2,63 \u03b5\u03c5\u03c1\u03ce <\/span><\/strong><span lang=\"EL\">\u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03b7 \u0395<\/span>urobank<span lang=\"EL\">\u00a0\u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b5 \u03ba\u03b1\u03c4\u03ac 10% \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03ad\u03b2\u03bb\u03b5\u03c0\u03b1\u03bd. \u0391\u03c5\u03c4\u03cc \u03bf\u03c6\u03b5\u03af\u03bb\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1\u00a0<\/span>NII<span lang=\"EL\">\u00a0(2%), \u03c3\u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03b1\u03bc\u03bf\u03b9\u03b2\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03ad\u03c2 (3%), \u03c3\u03c4\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03ac \u03ad\u03be\u03bf\u03b4\u03b1 (-2%) \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c3\u03c5\u03b3\u03b3\u03b5\u03bd\u03b5\u03af\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2. \u0397 \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c3\u03c4\u03bf \u03b5\u03bd\u03bd\u03b5\u03ac\u03bc\u03b7\u03bd\u03bf \u03b1\u03bd\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 2,1 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce, \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03c3\u03b5 2,5 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 2,3 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2. \u0397\u00a0<\/span>Eurobank<span lang=\"EL\">\u00a0\u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b5 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0<\/span>ROTE<span lang=\"EL\">\u00a0\u03c3\u03b5 \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 17,5% \u03c4\u03bf 2024 \u03ba\u03b1\u03b9 \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03ba\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03bf\u00a0<\/span>ROTE<span lang=\"EL\">\u00a015% \u03c4\u03bf 2025-2027 \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03b5\u03bd\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2. \u0397\u00a0<\/span>Eurobank<span lang=\"EL\">\u00a0\u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b5 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5\u00a0<\/span>DTC<span lang=\"EL\">\u00a0\u03ad\u03c9\u03c2 \u03c4\u03bf 2033 \u03ba\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c3\u03b5 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7 \u03b4\u03b9\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1 \u03c4\u03b7\u03c2 \u03c4\u03b7\u03bb\u03b5\u03b4\u03b9\u03ac\u03c3\u03ba\u03b5\u03c8\u03b7\u03c2 \u03c4\u03bf\u03bd \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03cc \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03c4\u03bf\u03c5 40% \u03c3\u03b5 50%. \u0391\u03c0\u03cc \u03b5\u03ba\u03b5\u03af \u03ba\u03b1\u03b9 \u03c0\u03ad\u03c1\u03b1, \u03b1\u03bd\u03ad\u03c6\u03b5\u03c1\u03b5 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c4\u03b7\u03bd \u03c0\u03b9\u03b8\u03b1\u03bd\u03cc\u03c4\u03b7\u03c4\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03ac\u03bd\u03c9 \u03c4\u03bf\u03c5 50%, \u03b5\u03c6\u03cc\u03c3\u03bf\u03bd \u03c4\u03bf \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03bd \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf \u03b4\u03b5\u03bd \u03c7\u03c1\u03b7\u03c3\u03b9\u03bc\u03bf\u03c0\u03bf\u03b9\u03b7\u03b8\u03b5\u03af \u03b3\u03b9\u03b1 \u03c3\u03c5\u03b3\u03c7\u03c9\u03bd\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 \u03ae \u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03c5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd.<\/span><\/p>\n<h4><strong><span lang=\"EL\">\u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1<\/span><\/strong><\/h4>\n<p><strong><span lang=\"EL\">\u0397 JP Morgan \u03bc\u03b5 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 <\/span><\/strong><strong>overweight<\/strong><strong><span lang=\"EL\"> \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 9,70 \u03b5\u03c5\u03c1\u03ce <\/span><\/strong><span lang=\"EL\">\u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c0\u03c9\u03c2 <\/span><span lang=\"EL\">\u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 \u03b3\u2019 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u20ac315 \u03b5\u03ba\u03b1\u03c4. \u03ba\u03b1\u03b9 \u03ae\u03c4\u03b1\u03bd 4% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf<\/span>\u00a0consensus<span lang=\"EL\">, \u03bc\u03b5 \u03c4\u03bf\u00a0<\/span>NII<span lang=\"EL\">\u00a02% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf, \u03c4\u03b9\u03c2 \u03b1\u03bc\u03bf\u03b9\u03b2\u03ad\u03c2 2% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 2% \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2, \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b5\u03bd \u03bc\u03ad\u03c1\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 2% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf. \u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac, \u03b1\u03c5\u03c4\u03cc \u03bf\u03b4\u03b7\u03b3\u03b5\u03af \u03c3\u03b5 17,5%\u00a0<\/span>core\u00a0ROTE<span lang=\"EL\">\u00a0\u03b3\u03b9\u03b1 \u03c4\u03bf \u03b3\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf, \u03c0\u03bf\u03bb\u03cd \u03bc\u03c0\u03c1\u03bf\u03c3\u03c4\u03ac \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03b3\u03b9\u03b1 \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 16%. \u03a4\u03bf\u00a0<\/span>NII<span lang=\"EL\">\u00a0\u03b5\u03be\u03b5\u03bb\u03af\u03c3\u03c3\u03b5\u03c4\u03b1\u03b9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7 \u03ba\u03b1\u03c4\u03ac 1% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03b1\u03bd\u03c4\u03b1\u03bd\u03b1\u03ba\u03bb\u03ce\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf\u03c5\u03c2 \u03cc\u03b3\u03ba\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf \u03b2\u03b1\u03b8\u03bc\u03cc \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ac \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1. \u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2\u00a0<\/span>CET<span lang=\"EL\">1 \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03ba\u03b1\u03c4\u03ac 40 \u03bc.\u03b2. \u03c3\u03b5 18,7%, \u03ad\u03bd\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf\u03c5\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf\u03c5\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7, \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7\u03c2 90 \u03bc.\u03b2. \u03b3\u03b9\u03b1 40% \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03b1\u03c0\u03cc \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2024. \u03a0\u03b1\u03c1\u03cc\u03bc\u03bf\u03b9\u03b1 \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03bf\u03bc\u03cc\u03c4\u03b9\u03bc\u03bf\u03c5\u03c2, \u03bf \u03cc\u03bc\u03b9\u03bb\u03bf\u03c2 \u03c4\u03b7\u03c2 \u0395\u03a4\u0395 \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b5 \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c5\u03c0\u03bf\u03bb\u03bf\u03af\u03c0\u03c9\u03bd\u00a0<\/span>DTC<span lang=\"EL\">&#8211; \u03c9\u03c3\u03c4\u03cc\u03c3\u03bf, \u03c4\u03b1 \u03bc\u03b7\u03bd\u03cd\u03bc\u03b1\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03b2\u03c1\u03b1\u03c7\u03c5\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03ae\u03c4\u03b1\u03bd \u03b7\u03c0\u03b9\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf\u03c5\u03c2 \u03bf\u03bc\u03cc\u03c4\u03b9\u03bc\u03bf\u03c5\u03c2, \u03c0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03b8\u03ad\u03c3\u03b7, \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03bf\u03c4\u03b5\u03af \u201c\u03ad\u03c9\u03c2 \u03ba\u03b1\u03b9 50%\u201d \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae \u03b1\u03c0\u03cc \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2024, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b8\u03b1 \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03c9\u03b8\u03b5\u03af \u03c3\u03c4\u03b9\u03c2 \u03b1\u03c1\u03c7\u03ad\u03c2 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5 \u03ad\u03c4\u03bf\u03c5\u03c2. \u0391\u03bd \u03ba\u03b1\u03b9 \u03c4\u03bf \u03bc\u03ae\u03bd\u03c5\u03bc\u03b1 \u03b1\u03c0\u03b1\u03b9\u03c4\u03b5\u03af \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b7 \u03c5\u03c0\u03bf\u03bc\u03bf\u03bd\u03ae, \u03c5\u03c0\u03bf\u03b8\u03ad\u03c4\u03bf\u03c5\u03bc\u03b5 \u03ae\u03b4\u03b7 \u03bc\u03b9\u03b1 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae 60% \u03b1\u03c0\u03cc \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2025 \u03bc\u03b5 \u03b5\u03c0\u03b9\u03c0\u03bb\u03ad\u03bf\u03bd \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5. \u039f\u03b9 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2 \u0395\u03a4\u0395 \u03ad\u03c7\u03bf\u03c5\u03bd \u03b1\u03c5\u03be\u03b7\u03b8\u03b5\u03af \u03ba\u03b1\u03c4\u03ac 21% \u03c6\u03ad\u03c4\u03bf\u03c2 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 23% \u03c4\u03bf\u03c5 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03bf\u03cd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0<\/span>SX<span lang=\"EL\">7<\/span>P<span lang=\"EL\">\u00a0\u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 6,3 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0<\/span>P<span lang=\"EL\">\/<\/span>E<span lang=\"EL\">\u00a0\u03ba\u03b1\u03b9 0,8 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0<\/span>P<span lang=\"EL\">\/<\/span>TBV<span lang=\"EL\">.\u00a0<\/span><\/p>\n<p><strong>H\u00a0Morgan\u00a0Stanley<\/strong> <strong><span lang=\"EL\">\u03bc\u03b5 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 10,25 \u03b5\u03c5\u03c1\u03ce \u03b5\u03ba\u03c4\u03b9\u03bc\u03ac<\/span><\/strong><span lang=\"EL\">\u00a0\u03cc\u03c4\u03b9 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03b7\u03c2 \u03ae\u03c4\u03b1\u03bd 1% \u03ba\u03b1\u03b9 4% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b1 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5<\/span>\u00a0consensus<span lang=\"EL\">, \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 (<\/span>NII<span lang=\"EL\">\u00a0+2%) \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd (-16-17%), \u03c0\u03bf\u03c5 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03af\u03c3\u03c4\u03b7\u03ba\u03b1\u03bd \u03b5\u03bd \u03bc\u03ad\u03c1\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03ad\u03ba\u03c4\u03b1\u03ba\u03c4\u03b5\u03c2 \u03b4\u03b1\u03c0\u03ac\u03bd\u03b5\u03c2. \u03a3\u03b7\u03bc\u03b5\u03b9\u03c9\u03c4\u03ad\u03bf\u03bd, \u03c4\u03bf \u03b2\u03b1\u03c3\u03b9\u03ba\u03ac \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 4% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c0\u03b1\u03c1\u03ac \u03c4\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1, \u03c7\u03ac\u03c1\u03b7 \u03c3\u03c4\u03b1 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ac\u00a0<\/span>NII<span lang=\"EL\">, \u03c4\u03b7\u03bd \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03bc\u03bf\u03b9\u03b2\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03bb\u03bf\u03b9\u03c0\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b1\u03c0\u03bf\u03bc\u03b5\u03b9\u03ce\u03c3\u03b5\u03b9\u03c2. \u0397 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c3\u03c4\u03bf \u03b5\u03bd\u03bd\u03b5\u03ac\u03bc\u03b7\u03bd\u03bf \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 1 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce, \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03bd\u03ad\u03b1 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ac \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03cd\u03c8\u03bf\u03c5\u03c2 1 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c4\u03bf\u03bd \u039f\u03ba\u03c4\u03ce\u03b2\u03c1\u03b9\u03bf, \u03bf\u03b4\u03b7\u03b3\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b5 \u03ac\u03bd\u03bf\u03b4\u03bf \u03c4\u03bf\u03c5 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03cd\u03c8\u03bf\u03c5\u03c2 1,5 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce. \u0397 \u0395\u03a4\u0395 \u03c3\u03c4\u03bf\u03c7\u03b5\u03cd\u03b5\u03b9 \u03c4\u03ce\u03c1\u03b1 \u03c3\u03c4\u03b7\u03bd \u03c0\u03bb\u03ae\u03c1\u03b7 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7 \u03c4\u03c9\u03bd\u00a0<\/span>DTCs<span lang=\"EL\">\u00a0\u03ad\u03c9\u03c2 \u03c4\u03bf 2032-2033 (\u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 2041 \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2), \u03c5\u03c0\u03bf\u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c0\u03b9\u03b8\u03b1\u03bd\u03ae \u03ac\u03bd\u03bf\u03b4\u03bf \u03c4\u03bf\u03c5 40% \u03c4\u03b7\u03c2 \u03b1\u03c0\u03bf\u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ae\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 (\u03ad\u03c9\u03c2 50%).<\/span><\/p>\n<p><strong>H Jefferies \u03bc\u03b5 <span lang=\"EL\">\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 11 \u03b5\u03c5\u03c1\u03ce <\/span><\/strong><span lang=\"EL\">\u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03cc\u03c4\u03b9 \u03c4\u03bf \u03b3\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03ae\u03c4\u03b1\u03bd \u03ac\u03bb\u03bb\u03bf \u03ad\u03bd\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03c0\u03bf\u03c5 \u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2. \u0397 \u0395\u03a4\u0395 \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b5 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03cd\u03c8\u03bf\u03c5\u03c2 315 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03ae\u03c4\u03b1\u03bd 1% \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf<\/span>\u00a0consensus<span lang=\"EL\">, \u03bc\u03b5 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c0\u03c1\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd 3% \u03c0\u03b9\u03bf \u03c8\u03b7\u03bb\u03ac (\u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd). \u0392\u03b1\u03c3\u03b9\u03ba\u03cc \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0<\/span>ROTE<span lang=\"EL\">\u00a017,5% \u03ba\u03b1\u03b9 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1\u00a0<\/span>TBV<span lang=\"EL\">\u00a0\u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7 \u03ba\u03b1\u03c4\u03ac 13% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7. \u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2\u00a0<\/span>CET<span lang=\"EL\">1 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03ba\u03b1\u03c4\u03ac 10 \u03bc.\u03b2. \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c3\u03c4\u03bf 18,7%. \u0391\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03cc \u03c4\u03bf\u03c5 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03ae\u03c4\u03b1\u03bd \u03b7 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd. \u03a9\u03c3\u03c4\u03cc\u03c3\u03bf, \u03b7 \u0395\u03a4\u0395 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b2\u03ad\u03b2\u03b1\u03b9\u03b7 \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c5\u03c0\u03b5\u03c1\u03b2\u03b5\u03af \u03c4\u03bf\u00a0<\/span>guidance<span lang=\"EL\">\u00a0\u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03cd\u03c8\u03bf\u03c5\u03c2 1,5 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce (\u03b1\u03cd\u03be\u03b7\u03c3\u03b7 0,9 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03bc\u03b5 \u03b5\u03ba\u03c4\u03b1\u03bc\u03af\u03b5\u03c5\u03c3\u03b7 1 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03bc\u03cc\u03bd\u03bf \u03c4\u03bf\u03bd \u039f\u03ba\u03c4\u03ce\u03b2\u03c1\u03b9\u03bf). \u039f\u03b9 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03b1\u03bc\u03b5\u03c4\u03ac\u03b2\u03bb\u03b7\u03c4\u03b5\u03c2.<\/span>\u00a0<b>\u00a0<\/b><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u039f\u03b9 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03bf\u03af \u03bf\u03af\u03ba\u03bf \u03c3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ac \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03c0\u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2, \u03bf\u03b9 \u03b4\u03b9\u03bf\u03b9\u03ba\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03bf\u03c5\u03c2 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2,\u00a0 \u03b8\u03b1 \u03c0\u03bb\u03b7\u03c1\u03ce\u03c3\u03bf\u03c5\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c3\u03b2\u03ad\u03c3\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 (DTCs) \u03c0\u03bf\u03bb\u03cd \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 (\u03c4\u03bf 2033). Alpha Bank \u00a0\u0397 UBS \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af \u03c4\u03b7 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac \u03bc\u03b5 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":106887,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[73,60,12,22],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/106888"}],"collection":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=106888"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/106888\/revisions"}],"predecessor-version":[{"id":106889,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/106888\/revisions\/106889"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/106887"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=106888"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=106888"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=106888"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}