{"id":107239,"date":"2024-11-12T14:44:36","date_gmt":"2024-11-12T12:44:36","guid":{"rendered":"https:\/\/banknews.gr\/?p=107239"},"modified":"2024-11-12T14:44:36","modified_gmt":"2024-11-12T12:44:36","slug":"ubs-%ce%b1%cf%80%cf%8c-%cf%84%ce%b9%cf%82-%cf%86%ce%b8%ce%b7%ce%bd%cf%8c%cf%84%ce%b5%cf%81%ce%b5%cf%82-%cf%84%cf%81%ce%ac%cf%80%ce%b5%ce%b6%ce%b5%cf%82-%cf%83%ce%b5-%ce%b5%cf%85%cf%81%cf%8e%cf%80","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=107239","title":{"rendered":"UBS: \u0391\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c6\u03b8\u03b7\u03bd\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c3\u03b5 \u0395\u03c5\u03c1\u03ce\u03c0\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03b4\u03c5\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03bf\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 &#8211; \u0399\u03c3\u03c7\u03c5\u03c1\u03ad\u03c2 \u03bf\u03b9 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 &#8211; \u039f\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9"},"content":{"rendered":"<p>\u039f\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c3\u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b3\u2019 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03b5\u03bc\u03c6\u03ac\u03bd\u03b9\u03c3\u03b1\u03bd \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 (NII), \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03ce\u03bd \u03c0\u03b5\u03c1\u03b9\u03b8\u03c9\u03c1\u03af\u03c9\u03bd NIMs \u03c0\u03bf\u03c5 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd (\u03b9\u03b4\u03af\u03c9\u03c2 \u03bb\u03cc\u03b3\u03c9 \u03c4\u03bf\u03c5 \u03b5\u03c5\u03bd\u03bf\u03ca\u03ba\u03cc\u03c4\u03b5\u03c1\u03bf\u03c5 \u03bc\u03b5\u03af\u03b3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd), \u03c4\u03b7\u03c2 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ae\u03c2 \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c4\u03ac\u03c3\u03b5\u03c9\u03bd \u03c3\u03c4\u03b1 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03bc\u03b5 +11% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03bc\u03b5\u03b3\u03ac\u03bb\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03b5\u03bd\u03ce \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03b9 \u03bf\u03b9 \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 \u03c6\u03b5\u03c4\u03b9\u03bd\u03cc \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03ad\u03c4\u03bf\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03b7 UBS \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03b8\u03ad\u03c4\u03b5\u03b9 \u03c4\u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c4\u03b7\u03c2 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03c3\u03c4\u03b7\u03bd \u03c0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u03c4\u03b7\u03c2 \u03bb\u03af\u03c3\u03c4\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b5\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03ce \u03c0\u03c1\u03bf\u03c7\u03c9\u03c1\u03ac \u03c3\u03b5 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c4\u03b9\u03bc\u03ce\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 Alpha Bank \u03ba\u03b1\u03b9 Eurobank.<\/p>\n<p><strong>\u039f\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd\u00a0\u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u00a0\u03c4\u03b1 11,20 \u03b5\u03c5\u03c1\u03ce \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd\u00a0\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03c4\u03b1 5,70 \u03b5\u03c5\u03c1\u03ce \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae, \u03bc\u03b5 \u03c3\u03c5\u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03bf\u03cd\u03bd \u03c4\u03b9\u03c2 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b5\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2 \u03c4\u03bf\u03c5 \u03bf\u03af\u03ba\u03bf\u03c5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1. \u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1, \u03c3\u03c5\u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac (buy) \u03c3\u03c5\u03c3\u03c4\u03ae\u03bd\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03c9\u03bd\u00a0Alpha Bank\u00a0\u03ba\u03b1\u03b9\u00a0Eurobank \u03ba\u03b1\u03b9 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2\u00a0\u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03c3\u03c4\u03b1 2,42 \u03b5\u03c5\u03c1\u03ce (\u03b1\u03c0\u03cc 2,32 \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b3\u03b5\u03bd\u03ad\u03c3\u03c4\u03b5\u03c1\u03b1) \u03ba\u03b1\u03b9 \u03c4\u03b1 2,75 \u03b5\u03c5\u03c1\u03ce (\u03b1\u03c0\u03cc 2,74 \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03b9\u03bd). \u03a4\u03bf \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03c9\u03bd \u03c4\u03b9\u03bc\u03ce\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03c5\u03c8\u03b7\u03bb\u03cc \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b5\u03c9\u03c2 \u03c4\u03bf\u03c5 50% \u03b3\u03b9\u03b1 \u03c4\u03b1\u00a0top picks\u00a0\u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd\u00a0Alpha Bank\u00a0\u03ba\u03b1\u03b9 33% \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c4\u03b7\u03c2\u00a0Eurobank.<\/strong><\/p>\n<p><span lang=\"EL\">\u039f \u03bf\u03af\u03ba\u03bf\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b1\u03b9\u03c3\u03b9\u03cc\u03b4\u03bf\u03be\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1\u03c2, \u03b5\u03bd\u03ce \u03bf\u03b9 \u03b4\u03b9\u03bf\u03b9\u03ba\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03c4\u03b5\u03c3\u03c3\u03ac\u03c1\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03b1\u03b9\u03c3\u03b9\u03cc\u03b4\u03bf\u03be\u03b5\u03c2. <strong>\u039f\u03b9 \u03c3\u03c5\u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03b3\u03bf\u03c1\u03ac (<\/strong><\/span><strong>buy<\/strong><span lang=\"EL\"><strong>) \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2<\/strong>, \u03b1\u03bb\u03bb\u03ac \u03c0\u03c1\u03bf\u03c4\u03b9\u03bc\u03ac \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b3\u03b9\u03b1\u03c4\u03af \u03b4\u03b9\u03b1\u03b8\u03ad\u03c4\u03b5\u03b9 \u03ad\u03bd\u03b1 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03cc\u03c1\u03bf\u00a0<\/span>franchise<span lang=\"EL\">\u00a0\u03bc\u03b5 \u03c4\u03b7<\/span>\u00a0<strong><span lang=\"EL\">\u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03b3\u03b9\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ce\u03bd<\/span><\/strong>\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03b5\u03c0\u03b1\u03bd\u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ce\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03c3\u03c4\u03b7\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ae \u03c0\u03af\u03c3\u03c4\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2. <\/span><\/p>\n<p><span lang=\"EL\">\u039f\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c0\u03c1\u03bf\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c9\u03c2 \u03bc\u03b5\u03c1\u03b9\u03ba\u03ad\u03c2<\/span>\u00a0<strong><span lang=\"EL\">\u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c6\u03b8\u03b7\u03bd\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2<\/span><\/strong><span lang=\"EL\">, \u03c4\u03cc\u03c3\u03bf \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7, \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b4\u03c5\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 (\u0395\u039c) \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03c4\u03b9\u03bc\u03ae\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1 (<\/span>P<span lang=\"EL\">\/<\/span>TNAV<span lang=\"EL\">) \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03bf\u03c5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b1\u03c0\u03bf\u03b4\u03bf\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03c9\u03bd \u03b5\u03bd\u03c3\u03ce\u03bc\u03b1\u03c4\u03c9\u03bd \u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd\u00a0<\/span>R<span lang=\"EL\">\u03bf<\/span>TE<span lang=\"EL\">.<u><\/u><u><\/u><\/span><\/p>\n<h4><span lang=\"EL\">\u039f\u03b9 \u03bd\u03b5\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03ba\u03bb\u03ac\u03b4\u03bf<u><\/u><u><\/u><\/span><\/h4>\n<p><span lang=\"EL\">\u0391\u03bd\u03b1\u03c6\u03bf\u03c1\u03b9\u03ba\u03ac \u03bc\u03b5<\/span>\u00a0<strong><span lang=\"EL\">\u03c4\u03b7\u00a0<\/span><\/strong><strong>Eurobank<\/strong><span lang=\"EL\">, \u03b7 \u03b5\u03bd\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2\u00a0<\/span>E<span lang=\"EL\">\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 (<\/span>HBC<span lang=\"EL\">) \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03b9 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (<\/span>EPS<span lang=\"EL\">) \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03ba\u03b1\u03c4\u03ac 5%, \u03b2\u03bf\u03b7\u03b8\u03bf\u03cd\u03bc\u03b5\u03bd\u03bf\u03b9 \u03b1\u03c0\u03cc \u03ad\u03bd\u03b1 \u03b5\u03c0\u03b9\u03c0\u03bb\u03ad\u03bf\u03bd \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c3\u03c5\u03b3\u03b3\u03b5\u03bd\u03b5\u03af\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03ba\u03c5\u03c0\u03c1\u03b9\u03b1\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1. \u0397 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9 \u03c4\u03b7 \u03c3\u03c5\u03bc\u03c0\u03af\u03b5\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03bf\u03cd \u03c0\u03b5\u03c1\u03b9\u03b8\u03c9\u03c1\u03af\u03bf\u03c5\u00a0<\/span>NIM<span lang=\"EL\">\u00a0\u03b1\u03c0\u03cc \u03c4\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1, \u03b5\u03bd\u03ce \u03bf\u03b9 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03b5\u03ba\u03c4\u03cc\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1\u03c2 \u03ad\u03c7\u03bf\u03c5\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf\u00a0<\/span>NIM<span lang=\"EL\">. \u039f\u03b9 \u03c3\u03c5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03ba\u03c5\u03c0\u03c1\u03b9\u03b1\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b1\u03bd\u03ad\u03c1\u03c7\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03cd\u03c8\u03bf\u03c2 120 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2. \u0397\u00a0<\/span>HBC<span lang=\"EL\">\u00a0\u03b8\u03b1 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03c3\u03b5 \u03bd\u03b1 \u03b1\u03c5\u03be\u03ae\u03c3\u03b5\u03b9 \u03c4\u03bf \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03cc \u03c4\u03b7\u03c2 \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03ac\u03ba\u03b9\u03bf \u03b1\u03c0\u03cc \u03c4\u03b1 \u20ac6\u03b4\u03b9\u03c3. \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03b9\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03c5\u03c3\u03b1 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 (\u03ba\u03b1\u03c4\u03b1\u03b8\u03b5\u03c4\u03b9\u03ba\u03ae \u03b2\u03ac\u03c3\u03b7 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 15 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03ac\u03b8\u03b5 \u20ac1\u03b4\u03b9\u03c3. \u03c0\u03c1\u03cc\u03c3\u03b8\u03b5\u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03bf\u03b4\u03b7\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c3\u03b5 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5\u00a0<\/span>NII<span lang=\"EL\">\u00a0\u03ba\u03b1\u03c4\u03ac \u20ac20-25 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2, \u03b5\u03bd\u03ce \u03c5\u03c0\u03ac\u03c1\u03c7\u03b5\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03b1\u03c1\u03b1\u03b3\u03c9\u03b3\u03ae\u03c2 \u03c0\u03c1\u03bf\u03bc\u03b7\u03b8\u03b5\u03b9\u03ce\u03bd \u03ba\u03b1\u03b9 \u03b5\u03be\u03bf\u03c1\u03b8\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03c4\u03bf\u03c5 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2. \u0397 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03ad\u03b4\u03c9\u03c3\u03b5 \u03bc\u03b9\u03b1 \u03ad\u03bd\u03b4\u03b5\u03b9\u03be\u03b7 \u03b3\u03b9\u03b1 \u03c3\u03c5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5<\/span>\u00a0<strong><span lang=\"EL\">120 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2<\/span><\/strong>\u00a0<span lang=\"EL\">(\u03c3\u03b5 \u03b2\u03ac\u03b8\u03bf\u03c2 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2) \u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 10% \u03c3\u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 \u03bf\u03bc\u03af\u03bb\u03bf\u03c5.<u><\/u><u><\/u><\/span><\/p>\n<p><span lang=\"EL\">\u0393\u03b9\u03b1 \u03c4\u03b7\u03bd<\/span>\u00a0Alpha Bank\u00a0<span lang=\"EL\">\u00a0\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c0\u03bf\u03c5 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b5\u03c0\u03b1\u03bd\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ce\u03bd. \u0397 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1 \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9, \u03b1\u03bd \u03ba\u03b1\u03b9 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac<\/span>\u00a0<strong><span lang=\"EL\">\u03c0\u03b9\u03bf \u03c7\u03b1\u03bc\u03b7\u03bb\u03ae<\/span><\/strong>\u00a0<span lang=\"EL\">\u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2. \u039f \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c4\u03b9\u03bc\u03ae\u03c2 \u03c4\u03b7\u03c2\u00a0<\/span>UBS<span lang=\"EL\">\u00a0\u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac 4% \u03c3\u03c4\u03b1 2,42 \u03b5\u03c5\u03c1\u03ce, \u03bc\u03b5 \u03b1\u03ba\u03cc\u03bc\u03b1 \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03ae \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae \u03c4\u03bf\u03c5 \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03bd\u03c4\u03bf\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2. \u0397 \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c3\u03c4\u03b9\u03c2 4,4 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03a1\/\u0395 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03bf\u03bb\u03cd \u03c6\u03b8\u03b7\u03bd\u03ae, \u03bc\u03b5 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 12%.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u039f\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c3\u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b3\u2019 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03b5\u03bc\u03c6\u03ac\u03bd\u03b9\u03c3\u03b1\u03bd \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 (NII), \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03ce\u03bd \u03c0\u03b5\u03c1\u03b9\u03b8\u03c9\u03c1\u03af\u03c9\u03bd NIMs \u03c0\u03bf\u03c5 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd (\u03b9\u03b4\u03af\u03c9\u03c2 \u03bb\u03cc\u03b3\u03c9 \u03c4\u03bf\u03c5 \u03b5\u03c5\u03bd\u03bf\u03ca\u03ba\u03cc\u03c4\u03b5\u03c1\u03bf\u03c5 \u03bc\u03b5\u03af\u03b3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd), \u03c4\u03b7\u03c2 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ae\u03c2 \u03c0\u03af\u03c3\u03c4\u03c9\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c4\u03ac\u03c3\u03b5\u03c9\u03bd \u03c3\u03c4\u03b1 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03bc\u03b5 +11% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03bc\u03b5\u03b3\u03ac\u03bb\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03b5\u03bd\u03ce 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