{"id":111366,"date":"2025-01-14T16:27:02","date_gmt":"2025-01-14T14:27:02","guid":{"rendered":"https:\/\/banknews.gr\/?p=111366"},"modified":"2025-01-14T16:27:02","modified_gmt":"2025-01-14T14:27:02","slug":"bofa-%ce%bf%ce%b9-%cf%84%ce%b9%ce%bc%ce%ad%cf%82-%cf%83%cf%84%cf%8c%cf%87%ce%bf%ce%b9-%ce%b3%ce%b9%ce%b1-%cf%84%ce%b9%cf%82-%ce%b5%ce%bb%ce%bb%ce%b7%ce%bd%ce%b9%ce%ba%ce%ad%cf%82-%cf%84%cf%81%ce%ac","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=111366","title":{"rendered":"BofA: \u039f\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03bf 2025 &#8211; \u03a0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b1 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae"},"content":{"rendered":"<p>\u0397\u00a0BofA \u03b8\u03b5\u03c9\u03c1\u03b5\u03af \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c5\u03c0\u03ac\u03c1\u03be\u03b5\u03b9 \u03c0\u03c1\u03cc\u03bf\u03b4\u03bf\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03bf 2025 \u03bc\u03b5 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2, \u03b5\u03bd\u03ce \u03b5\u03ba\u03c4\u03b9\u03bc\u03bf\u03cd\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03c2, \u03cc\u03c4\u03b9 \u03b7 \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c4\u03bf\u03c5 \u03ba\u03b1\u03b8\u03b1\u03c1\u03bf\u03cd \u03b5\u03c3\u03cc\u03b4\u03bf\u03c5 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 \u03c4\u03b9\u03bc\u03bf\u03bb\u03bf\u03b3\u03b5\u03af\u03c4\u03b1\u03b9.<\/p>\n<p>\u0397\u00a0Eurobank\u00a0\u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b1 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03bf\u03af\u03ba\u03bf\u03c5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03b1\u03bd\u03ac\u03bc\u03b5\u03c3\u03b1 \u03c3\u03c4\u03b9\u03c2 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b5\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b9\u03bf\u03c7\u03ae \u03c4\u03b7\u03c2 \u0395\u03c5\u03c1\u03ce\u03c0\u03b7\u03c2, \u039c\u03ad\u03c3\u03b7\u03c2 \u0391\u03bd\u03b1\u03c4\u03bf\u03bb\u03ae\u03c2 \u03ba\u03b1\u03b9 \u0391\u03c6\u03c1\u03b9\u03ba\u03ae\u03c2 (EEMEA).<\/p>\n<p><strong>\u039f\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 \u03c0\u03bf\u03c5 \u03b8\u03ad\u03c4\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03b1 3,1 \u03b5\u03c5\u03c1\u03ce \u03b3\u03b9\u03b1 \u03c4\u03b7\u00a0Eurobank\u00a0\u03bc\u03b5 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 (outperform), \u03c4\u03b1 2,06 \u03b5\u03c5\u03c1\u03ce \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd\u00a0Alpha Bank\u00a0\u03bc\u03b5 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b1 5,3 \u03b5\u03c5\u03c1\u03ce \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2. <\/strong><\/p>\n<p><strong>\u0391\u03bd\u03c4\u03af\u03b8\u03b5\u03c4\u03b1, \u03bf \u03bf\u03af\u03ba\u03bf\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b1\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03cc\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 8,4 \u03b5\u03c5\u03c1\u03ce \u03bc\u03cc\u03bb\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03c5\u03c0\u03bf\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 (underperform) \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2.<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-757592\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2025\/01\/bofa1_8.jpg\" alt=\"\" width=\"1246\" height=\"420\" \/><\/p>\n<p>\u0394\u03b9\u03b1\u03c4\u03b7\u03c1\u03bf\u03cd\u03bc\u03b5 \u03c4\u03b7\u00a0Eurobank\u00a0\u03c9\u03c2 \u03c4\u03b7\u03bd \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b1 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae \u03bc\u03b1\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1, \u03bc\u03b5\u00a0RoTE\u00a02025\/26 \u03c3\u03c4\u03b1 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 \u03c4\u03bf\u03c5 15,5%\/13,6%, \u03c4\u03bf \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03c0\u03c4\u03c5\u03b3\u03bc\u03ad\u03bd\u03b7 \u0395\u03c5\u03c1\u03ce\u03c0\u03b7 \u03c4\u03bf 2025. \u039f \u03ad\u03bb\u03b5\u03b3\u03c7\u03bf\u03c2 \u03c4\u03bf\u03c5 100% \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 (\u03c4\u03bf\u03bd \u03a6\u03b5\u03b2\u03c1\u03bf\u03c5\u03ac\u03c1\u03b9\u03bf \u03c4\u03bf\u03c5 2025) \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1 \u03bc\u03ad\u03c3\u03c9: 1) \u03c4\u03b7\u03c2 \u03bc\u03b7 \u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u03c2 \u03b5\u03b9\u03c3\u03bf\u03b4\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c3\u03b5 \u03bc\u03b5\u03b9\u03bf\u03c8\u03b7\u03c6\u03af\u03b5\u03c2 \u03ba\u03b1\u03b9 2) \u03c4\u03b7\u03c2 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03b7\u03c2\u00a0Eurobank\u00a0\u03bd\u03b1 \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9 \u03cc\u03bb\u03bf \u03c4\u03bf\u03bd \u03c6\u03ac\u03ba\u03b5\u03bb\u03bf \u03c4\u03c9\u03bd \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b5\u03b9\u03ce\u03bd \u03cd\u03c8\u03bf\u03c5\u03c2 120 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce (1\/3 \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03c4\u03b7\u03c2\u00a0HB\u00a02024). \u0392\u03bb\u03ad\u03c0\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03b7 \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c3\u03c5\u03bd\u03b5\u03b9\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 22% \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03c4\u03b7\u03c2\u00a0Eurobank\u00a0\u03c4\u03bf 2025, \u03c5\u03c0\u03bf\u03b8\u03ad\u03c4\u03bf\u03bd\u03c4\u03b1\u03c2 \u03cc\u03c4\u03b9 \u03c4\u03bf 50% \u03c4\u03c9\u03bd \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b5\u03b9\u03ce\u03bd \u03ad\u03c7\u03b5\u03b9 \u03c5\u03bb\u03bf\u03c0\u03bf\u03b9\u03b7\u03b8\u03b5\u03af. \u0397\u00a0Eurobank\u00a0\u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03c9\u03c6\u03b5\u03bb\u03b7\u03b8\u03b5\u03af \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03c4\u03b9\u03bc\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03bc\u03cc\u03bb\u03b9\u03c2 \u03c4\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1 \u03bc\u03b5\u03b9\u03c9\u03b8\u03bf\u03cd\u03bd, \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03c4\u03bf\u03c5 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03bf\u03c5 \u03bc\u03b5\u03c1\u03b9\u03b4\u03af\u03bf\u03c5 36% \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03b8\u03b5\u03c3\u03bc\u03b9\u03b1\u03ba\u03ce\u03bd \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 69% \u03c4\u03bf\u03c5\u00a0beta\u00a0\u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c0\u03c1\u03bf\u03b8\u03b5\u03c3\u03bc\u03b9\u03b1\u03ba\u03ce\u03bd \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd. \u0397 \u03b1\u03c5\u03be\u03b1\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b4\u03b9\u03b5\u03b8\u03bd\u03ae\u03c2 \u03ad\u03ba\u03b8\u03b5\u03c3\u03b7 (43% \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03c3\u03c4\u03bf \u03b5\u03bd\u03bd\u03b5\u03ac\u03bc\u03b7\u03bd\u03bf \u03c0\u03ad\u03c1\u03c5\u03c3\u03b9) \u03c0\u03b1\u03c1\u03ad\u03c7\u03b5\u03b9 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03b5\u03bd \u03bc\u03ad\u03c3\u03c9 \u03c0\u03c4\u03ce\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03b1\u03c5\u03be\u03b1\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7\u03c2 \u03ad\u03ba\u03b8\u03b5\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 \u03c4\u03b7\u03c2 \u039d\u0391 \u0395\u03c5\u03c1\u03ce\u03c0\u03b7\u03c2 \u03c0\u03bf\u03c5 \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03c5\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03cc \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf (NIM). \u038c\u03bb\u03b5\u03c2 \u03bf\u03b9 \u03b4\u03b9\u03b5\u03b8\u03bd\u03b5\u03af\u03c2 \u03b8\u03c5\u03b3\u03b1\u03c4\u03c1\u03b9\u03ba\u03ad\u03c2 \u03ad\u03c7\u03bf\u03c5\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf\u00a0NIM\u00a0\u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2\u00bb, \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03bf \u03bf\u03af\u03ba\u03bf\u03c2.<\/p>\n<p>\u00ab\u0394\u03b9\u03b1\u03c4\u03b7\u03c1\u03bf\u03cd\u03bc\u03b5 \u03bc\u03b9\u03b1 \u03b5\u03ba\u03c4\u03cc\u03c2 consensus \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 underperform \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c0\u03b9\u03c3\u03c4\u03b5\u03cd\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03b7 \u03c5\u03c8\u03b7\u03bb\u03ae \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c4\u03b7\u03c2 \u03c3\u03c4\u03b1\u00a0<strong>\u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2<\/strong>\u00a0(\u039d\u0399\u0399) \u03b4\u03b5\u03bd \u03b1\u03bd\u03c4\u03b9\u03ba\u03b1\u03c4\u03bf\u03c0\u03c4\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c9\u03c3\u03c4\u03ac \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c5\u03c8\u03b7\u03bb\u03bf\u03cd\u03c2 \u03c0\u03bf\u03bb\u03bb\u03b1\u03c0\u03bb\u03b1\u03c3\u03b9\u03b1\u03c3\u03c4\u03ad\u03c2 \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7\u03c2 \u03c3\u03b5 6,9 \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. \u0392\u03bb\u03ad\u03c0\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03bf \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 18,3% \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 RoTE \u03c4\u03bf 2023 \u03b4\u03b9\u03b1\u03b2\u03c1\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 12,7% \u03c4\u03bf 2025 \u03bb\u03cc\u03b3\u03c9 \u03c4\u03b7\u03c2 \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7\u03c2 \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1\u03c2.<\/p>\n<p>\u00ab\u0397 Alpha \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03ce\u03c1\u03b1 \u03c3\u03b5 \u03ba\u03b1\u03bb\u03ae \u03b8\u03ad\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c8\u03b5\u03b9 \u03c4\u03bf \u03c7\u03b1\u03bc\u03ad\u03bd\u03bf \u03ad\u03b4\u03b1\u03c6\u03bf\u03c2 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c0\u03ac\u03b8\u03b5\u03b9\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03c4\u03b1\u03c3\u03af\u03b1 \u03c4\u03bf\u03c5 NII, \u03c4\u03b7 \u03b2\u03b5\u03bb\u03c4\u03af\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ae\u03c2 \u03c4\u03b1\u03bc\u03b5\u03b9\u03b1\u03ba\u03ae\u03c2 \u03c4\u03b7\u03c2 \u03b8\u03ad\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 NPE \u03c3\u03b5 \u03ba\u03ac\u03c4\u03c9 \u03b1\u03c0\u03cc 4% \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 2024. \u0391\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bc\u03b5 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ac NII \u03ba\u03b1\u03b9 RoTE \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd Alpha \u03c3\u03c4\u03bf\u03bd \u03ba\u03cd\u03ba\u03bb\u03bf \u03bc\u03b5\u03af\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c0\u03b9\u03ad\u03c3\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03bf\u03c5\u03c2 \u03c4\u03b7\u03c2, \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03cc\u03c4\u03b9: 1) \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b5\u03bd\u03b4\u03b5\u03af\u03be\u03b5\u03b9\u03c2 \u03cc\u03c4\u03b9 \u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03b4\u03b5\u03bd \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03b8\u03ad\u03c3\u03b7 \u03bc\u03b5\u03c4\u03c1\u03b7\u03c4\u03ce\u03bd \u03c4\u03b7\u03c2, 2) \u03b7 \u03c7\u03b1\u03bc\u03b7\u03bb\u03ae \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c4\u03b7\u03c2 Alpha \u03c3\u03b5 NII \u03c3\u03c4\u03bf\u03bd \u03ba\u03bb\u03ac\u03b4\u03bf \u03c3\u03c4\u03b1 12 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03b3\u03b9\u03b1 25 \u03bc.\u03b2. (0,7% \u03c4\u03c9\u03bd NII \u03c4\u03bf\u03c5 2024) \u03ba\u03b1\u03b9 3) \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03b1 NII \u03c0\u03bf\u03c5 \u03c7\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b5\u03c4\u03c1\u03b7\u03c4\u03ac \u03bc\u03b5 \u03c4\u03b7\u03bd \u0395\u039a\u03a4. \u0391\u03bd \u03ba\u03b1\u03b9 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b5\u03af \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03ae, \u03b7 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ae \u03c4\u03b1\u03bc\u03b5\u03b9\u03b1\u03ba\u03ae \u03b8\u03ad\u03c3\u03b7 \u03c4\u03b7\u03c2 Alpha \u03ad\u03c7\u03b5\u03b9 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c9\u03b8\u03b5\u03af \u03b1\u03b9\u03c3\u03b8\u03b7\u03c4\u03ac. \u039c\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03c4\u03c1\u03b5\u03c7\u03bf\u03cd\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2 \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03bf\u03cd\u03c2 \u03bd\u03b1 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 (+2% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7) \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b8\u03b5\u03c3\u03bc\u03b9\u03b1\u03ba\u03ad\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 \u03bd\u03b1 \u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9, \u03b1\u03c5\u03c4\u03cc \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03b9\u03b1\u03c7\u03b5\u03b9\u03c1\u03af\u03c3\u03b9\u03bc\u03bf. \u0391\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bc\u03b5 \u03bc\u03b9\u03b1 \u03c5\u03c8\u03b7\u03bb\u03ae \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd Alpha \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03bf\u03bc\u03bf\u03b5\u03b9\u03b4\u03ce\u03bd \u03c3\u03c4\u03bf 10%\/11% \u03c4\u03bf 2025\/26. \u03a5\u03c0\u03bf\u03b8\u03ad\u03c4\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03b5\u03b9 \u03c3\u03c4\u03bf 50% \u03c4\u03c9\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03c4\u03bf 2025, \u03bc\u03b5 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf. \u03a3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03b7 Alpha \u03c7\u03c4\u03af\u03b6\u03b5\u03b9 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 CET1 \u03bc\u03b5 \u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03c5\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf \u03c1\u03c5\u03b8\u03bc\u03cc, \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03cc\u03c4\u03b9 \u03b1\u03c0\u03bf\u03bc\u03ad\u03bd\u03b5\u03b9 \u03ac\u03c6\u03b8\u03bf\u03bd\u03bf \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03ac\u03b2\u03b5\u03b9 \u03c4\u03b1 DTAs \u03c3\u03c4\u03bf CET1 (\u03ad\u03c9\u03c2 10%)\u00bb,<\/p>\n<p>\u00ab\u039c\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7\u03c2 \u03a1\/\u0395 \u03c3\u03c4\u03b9\u03c2 5,3 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf 2025 \u03ba\u03b1\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 0,6 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0P\/TBV\u00a0\u03b3\u03b9\u03b1 12,5%\u00a0RoTE\u00a0(\u03ba\u03b1\u03b9 \u03b2\u03b9\u03ce\u03c3\u03b9\u03bc\u03bf \u03b4\u03b9\u03c8\u03ae\u03c6\u03b9\u03bf) \u03ba\u03b1\u03b9 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 9%, \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03bc\u03af\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c6\u03b8\u03b7\u03bd\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7. \u03a5\u03c0\u03ac\u03c1\u03c7\u03b5\u03b9 \u03b1\u03ba\u03cc\u03bc\u03b7 \u03ac\u03c6\u03b8\u03bf\u03bd\u03bf \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03b2\u03b5\u03bb\u03c4\u03af\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c0\u03bf\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 (CoR) \u03ba\u03b1\u03b9 \u03b8\u03b1 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c9\u03b8\u03bf\u03cd\u03bd \u03c3\u03c4\u03bf \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd, \u03b3\u03b5\u03b3\u03bf\u03bd\u03cc\u03c2 \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03af\u03c3\u03b5\u03b9 \u03c4\u03bf\u00a0discount\u00a0\u03c4\u03b7\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae\u03c2. \u0397 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bf \u03ba\u03cd\u03c1\u03b9\u03bf\u03c2 \u03b1\u03c0\u03bf\u03b4\u03ad\u03ba\u03c4\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03b4\u03b1\u03bd\u03b5\u03b9\u03c3\u03bc\u03bf\u03cd \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03c4\u03bf \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03bc\u03b5\u03c1\u03af\u03b4\u03b9\u03bf \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03c3\u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd, \u03cc\u03c0\u03c9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b1 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1\u00a0spreads. \u03a0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03ad\u03bd\u03c4\u03bf\u03bd\u03b7 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7 \u03c4\u03c9\u03bd \u03bc\u03b9\u03c3\u03b8\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03b4\u03b1\u03c0\u03b1\u03bd\u03ce\u03bd, \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bc\u03b5 \u03ad\u03bd\u03b1\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2\/\u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03c3\u03b5 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c4\u03bf\u03c5 35% \u03c4\u03bf 2025\u00a0\u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03c9\u03bd\u00bb, \u03c5\u03c0\u03bf\u03b3\u03c1\u03b1\u03bc\u03bc\u03af\u03b6\u03b5\u03b9 \u03b7\u00a0BofA.<\/p>\n<p>\u038c\u03bb\u03b5\u03c2 \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b5\u03bd\u03b4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b2\u03b5\u03bb\u03c4\u03b9\u03ce\u03c3\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd. \u0398\u03b5\u03c9\u03c1\u03bf\u03cd\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b5\u03bd\u03b4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03b8\u03b5\u03c9\u03c1\u03ae\u03c3\u03bf\u03c5\u03bd \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b1 \u03c0\u03ac\u03bd\u03c9 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c4\u03bf 2025\/26, \u03bb\u03cc\u03b3\u03c9 \u03c4\u03b7\u03c2 \u03c4\u03b1\u03c7\u03cd\u03c4\u03b5\u03c1\u03b7\u03c2 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae\u03c2 \u03c4\u03bf\u03c5\u00a0<strong>\u03a4\u03b1\u03bc\u03b5\u03af\u03bf\u03c5 \u0391\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7\u03c2<\/strong> \u03ba\u03b1\u03b9 \u03b5\u03bd\u03b4\u03b5\u03c7\u03bf\u03bc\u03ad\u03bd\u03c9\u03c2 \u03c4\u03c9\u03bd \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03b1\u03c0\u03bf\u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd, \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9.<\/p>\n<p>\u0391\u03c6\u03ae\u03bd\u03bf\u03c5\u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03bc\u03b1\u03c2 \u03c3\u03c4\u03bf 5-8% \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03c0\u03b1\u03c1\u03cc\u03bd, \u03b1\u03bb\u03bb\u03ac \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03c5\u03bc\u03b5 \u03c4\u03bf \u03b4\u03c5\u03bd\u03b7\u03c4\u03b9\u03ba\u03cc \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5. \u0397 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b5\u03af \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03c0\u03b9\u03bf \u00ab\u03b5\u03c5\u03b1\u03af\u03c3\u03b8\u03b7\u03c4\u03b7\u00bb \u03c7\u03ce\u03c1\u03b1 \u03c3\u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd, \u03b1\u03bb\u03bb\u03ac \u03bf\u03b9\u00a0<strong>\u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5<\/strong>\u00a0\u03b8\u03b1 \u03b2\u03bf\u03b7\u03b8\u03ae\u03c3\u03bf\u03c5\u03bd.<\/p>\n<p>\u00ab\u039f\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ad\u03c7\u03bf\u03c5\u03bd \u03c0\u03c1\u03bf\u03b2\u03b5\u03af \u03c3\u03b5 \u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03af\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b1\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03af\u03b4\u03c1\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u039d\u0399\u0399 \u03bc\u03ad\u03c3\u03c9 \u03c4\u03b7\u03c2 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1\u03c2 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03b9\u03c3\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03ba\u03bb\u03b5\u03af\u03b4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c4\u03bf\u03c0\u03bf\u03b8\u03b5\u03c4\u03ae\u03c3\u03b5\u03c9\u03bd \u03c3\u03b5 \u03bf\u03bc\u03cc\u03bb\u03bf\u03b3\u03b1. \u03a0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03c3\u03c4\u03ae\u03c1\u03b9\u03be\u03b7 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03b7 \u03b5\u03ac\u03bd \u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03c4\u03b1 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b1 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03b1, \u03cc\u03c0\u03c9\u03c2 \u03ae\u03c4\u03b1\u03bd \u03c4\u03bf 2024\u00bb, \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03b7 BofA.<\/p>\n<p>\u039f\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b4\u03b5\u03bd \u03ad\u03c7\u03bf\u03c5\u03bd \u03b1\u03ba\u03cc\u03bc\u03b7 \u03b1\u03bb\u03bb\u03ac\u03be\u03b5\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2025\/26, \u03bf\u03cd\u03c4\u03b5 \u03ba\u03b1\u03b9 \u03b5\u03bc\u03b5\u03af\u03c2 (5-8% BofA \u03c4\u03bf 2025\/26), \u03b1\u03bb\u03bb\u03ac \u03c0\u03b9\u03c3\u03c4\u03b5\u03cd\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03b9\u03c3\u03c4\u03bf\u03cd\u03bd \u03bc\u03b5 \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 2024. \u039c\u03b5\u03c4\u03ac \u03c4\u03b1 \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03b5\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7\u03c2 \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), \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03b7 Eurobank \u03ba\u03b1\u03b9 \u03b7 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b8\u03b1 \u03c6\u03c4\u03ac\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf 2024 \u03c3\u03c4\u03bf 50% \u03c4\u03c9\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd, \u03b7 Alpha \u03c4\u03bf 2025 \u03ba\u03b1\u03b9 \u03b7 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03c4\u03bf 2026. \u0391\u03c5\u03c4\u03cc \u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 8-10% (\u03bc\u03ad\u03c1\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03bf\u03c0\u03bf\u03af\u03b1\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b5\u03c0\u03b1\u03bd\u03b1\u03b3\u03bf\u03c1\u03ac), \u03ae\u03c4\u03bf\u03b9, \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c3\u03c4\u03b7\u03bd EEMEA. \u0392\u03bb\u03ad\u03c0\u03bf\u03c5\u03bc\u03b5 \u03c4\u03b7 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03bd\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03bf\u03cd\u03bd \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf \u03bf\u03b9 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2\u00bb \u03b5\u03ba\u03c4\u03b9\u03bc\u03ac \u03bf \u03bf\u03af\u03ba\u03bf\u03c2.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0397\u00a0BofA \u03b8\u03b5\u03c9\u03c1\u03b5\u03af \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c5\u03c0\u03ac\u03c1\u03be\u03b5\u03b9 \u03c0\u03c1\u03cc\u03bf\u03b4\u03bf\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03bf 2025 \u03bc\u03b5 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2, \u03b5\u03bd\u03ce \u03b5\u03ba\u03c4\u03b9\u03bc\u03bf\u03cd\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03c2, \u03cc\u03c4\u03b9 \u03b7 \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c4\u03bf\u03c5 \u03ba\u03b1\u03b8\u03b1\u03c1\u03bf\u03cd \u03b5\u03c3\u03cc\u03b4\u03bf\u03c5 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 \u03c4\u03b9\u03bc\u03bf\u03bb\u03bf\u03b3\u03b5\u03af\u03c4\u03b1\u03b9. \u0397\u00a0Eurobank\u00a0\u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b1 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03bf\u03af\u03ba\u03bf\u03c5 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03b1\u03bd\u03ac\u03bc\u03b5\u03c3\u03b1 \u03c3\u03c4\u03b9\u03c2 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b5\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b9\u03bf\u03c7\u03ae \u03c4\u03b7\u03c2 \u0395\u03c5\u03c1\u03ce\u03c0\u03b7\u03c2, \u039c\u03ad\u03c3\u03b7\u03c2 \u0391\u03bd\u03b1\u03c4\u03bf\u03bb\u03ae\u03c2 \u03ba\u03b1\u03b9 \u0391\u03c6\u03c1\u03b9\u03ba\u03ae\u03c2 (EEMEA). \u039f\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":111365,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[12,61],"class_list":["post-111366","post","type-post","status-publish","format-standard","has-post-thumbnail","category-3","tag-top","tag-top1"],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/111366","targetHints":{"allow":["GET"]}}],"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=111366"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/111366\/revisions"}],"predecessor-version":[{"id":111367,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/111366\/revisions\/111367"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/111365"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=111366"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=111366"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=111366"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}