{"id":113507,"date":"2025-02-11T13:13:26","date_gmt":"2025-02-11T11:13:26","guid":{"rendered":"https:\/\/banknews.gr\/?p=113507"},"modified":"2025-02-11T13:13:26","modified_gmt":"2025-02-11T11:13:26","slug":"goldman-sachs-%ce%bd%ce%ad%ce%b5%cf%82-%cf%83%cf%85%cf%83%cf%84%ce%ac%cf%83%ce%b5%ce%b9%cf%82-%cf%84%ce%b9%ce%bc%ce%ad%cf%82-%cf%83%cf%84%cf%8c%cf%87%ce%bf%ce%b9-%ce%ba%ce%b1%ce%b9-%ce%b5%ce%ba","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=113507","title":{"rendered":"Goldman Sachs: \u039d\u03ad\u03b5\u03c2 \u03c3\u03c5\u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2, \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 \u03ba\u03b1\u03b9 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 &#8211; \u039f\u03b9 \u03b4\u03cd\u03bf \u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03c3\u03c4\u03b7\u03bd \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7"},"content":{"rendered":"<p>\u0398\u03b5\u03c4\u03b9\u03ba\u03ae \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03b5\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b7 Goldman Sachs \u03b5\u03bd \u03b1\u03bd\u03b1\u03bc\u03bf\u03bd\u03ae \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03ba\u03bf\u03b9\u03bd\u03ce\u03c3\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 2024.<\/p>\n<p>\u039f\u03c0\u03c9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03b7 \u03c3\u03c4\u03b1\u03b4\u03b9\u03b1\u03ba\u03ae \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c5\u03c0\u03bf\u03bb\u03bf\u03af\u03c0\u03c9\u03bd DTC \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c4\u03c9\u03bd \u03b2\u03b1\u03c3\u03b9\u03ba\u03ce\u03bd \u03c0\u03b1\u03c1\u03b1\u03b3\u03cc\u03bd\u03c4\u03c9\u03bd \u03bc\u03b9\u03b1\u03c2 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b5\u03c0\u03b1\u03bd\u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2.<\/p>\n<p>\u039a\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd\u00a0Goldman\u00a0Sachs\u00a0\u03b7 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03c9\u03bd \u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u0395 \u03bf\u03c6\u03b5\u03af\u03bb\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03ba\u03ac\u03c0\u03bf\u03b9\u03bf \u03b2\u03b1\u03b8\u03bc\u03cc \u03c3\u03c4\u03b9\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1, \u03bc\u03b5 \u03c4\u03b1 NIM \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03b9\u03bf \u03b5\u03c5\u03b1\u03af\u03c3\u03b8\u03b7\u03c4\u03b1 \u03c3\u03c4\u03b9\u03c2 \u03bc\u03b5\u03c4\u03b1\u03b2\u03bf\u03bb\u03ad\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03ac\u03bb\u03bb\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c4\u03b7\u03c2 \u03b5\u03c5\u03c1\u03c9\u03b6\u03ce\u03bd\u03b7\u03c2.<\/p>\n<p>\u03a3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03c4\u03af\u03c4\u03bb\u03c9\u03bd, \u03b7\u00a0Goldman\u00a0Sachs\u00a0\u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03c4\u03bf \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03cc \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd Alpha \u03c3\u03b5 12\u03bc\u03b7\u03bd\u03b7 \u03c0\u03c1\u03bf\u03b2\u03bf\u03bb\u03ae, \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2 \u03c4\u03b7\u03c2 \u03b8\u03ad\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2025 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03bf\u03cd\u00a0discount\u00a0\u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7\u03c2.<\/p>\n<p>\u0393\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03ae\u03c2 \u03c4\u03b7\u03c2, \u03b7 Goldman Sachs \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c5\u03c0\u03cc\u03c8\u03b7 (1) \u03c4\u03b7 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ae \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\/\u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae NIM \u03ba\u03b1\u03b9 ROTE \u03c3\u03c4\u03b9\u03c2 \u03bc\u03b5\u03b9\u03ce\u03c3\u03b5\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd, (2) \u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 (3) \u03c4\u03b1 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c0\u03bf\u03c5 \u03b1\u03bd\u03bf\u03af\u03b3\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03b3\u03b9\u03b1 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03ba\u03b1\u03b9 \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03c3\u03c4\u03b1 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-765494\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-1-1-1.png\" alt=\"\" width=\"1510\" height=\"378\" \/><\/p>\n<p>\u0397 Goldman Sachs <strong>\u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03b5\u03b9 \u03c4\u03b7\u03bd Alpha \u03c3\u03b5 \u0391\u03b3\u03bf\u03c1\u03ac (\u03b1\u03c0\u03cc \u039f\u03c5\u03b4\u03ad\u03c4\u03b5\u03c1\u03b7),<\/strong> \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03c4\u03b1 NIM \u03ba\u03b1\u03b9 \u03b7 ROE \u03c4\u03b7\u03c2 Alpha \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bf\u03b9 \u03c0\u03b9\u03bf \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03ad\u03c2 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \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 \u03c4\u03b7\u03c2 \u0395\u039a\u03a4. <strong>\u0397 \u03bd\u03ad\u03b1 \u03c4\u03b9\u03bc\u03ae-\u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd Alpha \u03b5\u03af\u03bd\u03b1\u03b9 2,4 \u03b5\u03c5\u03c1\u03ce (\u03b1\u03c0\u03cc 1,9 \u03b5\u03c5\u03c1\u03ce) \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ac\u03b3\u03b5\u03c4\u03b1\u03b9 \u03ac\u03bd\u03bf\u03b4\u03bf 36% \u03ba\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf 0,7x \u03c3\u03b5 \u03cc\u03c1\u03bf\u03c5\u03c2 P\/TBV \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 2026.<\/strong><\/p>\n<p><strong>\u03a5\u03c0\u03bf\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03b5\u03b9 \u03c4\u03b7 Eurobank \u03c3\u03b5 \u039f\u03c5\u03b4\u03ad\u03c4\u03b5\u03c1\u03b7 (\u03b1\u03c0\u03cc \u0391\u03b3\u03bf\u03c1\u03ac),<\/strong> \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b7 Eurobank \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \u03ad\u03bd\u03b1\u03bd \u03c5\u03b3\u03b9\u03ae \u03c3\u03c5\u03bd\u03b4\u03c5\u03b1\u03c3\u03bc\u03cc 14,4% \u03bc\u03ad\u03c3\u03bf \u03cc\u03c1\u03bf ROTE, \u03c5\u03c8\u03b7\u03bb\u03cc \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 CET1 18,0% \u03ba\u03b1\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 NPE 2,7% \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf 2025-28. \u0397 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b5 \u03c4\u03bf\u03bd \u03ba\u03bb\u03ac\u03b4\u03bf \u03c4\u03bf\u03c5\u03c2 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03bf\u03c5\u03c2 12 \u03bc\u03ae\u03bd\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03ce\u03c1\u03b1 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 P\/TBV \u03c3\u03c4\u03bf 1,0x\/0,9x \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 2025 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 2026, \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03bf \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03c2 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03af\u03b4\u03b9\u03bf \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf ROTE.<strong> \u0397 \u03bd\u03ad\u03b1 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03c4\u03b1 2,80 \u03b5\u03c5\u03c1\u03ce (\u03b1\u03c0\u03cc 2,5 \u03b5\u03c5\u03c1\u03ce) \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ac\u03b3\u03b5\u03c4\u03b1\u03b9 \u03ac\u03bd\u03bf\u03b4\u03bf 16% \u03ba\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf 1,2x \u03c3\u03b5 \u03cc\u03c1\u03bf\u03c5\u03c2 P\/TBV \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 2026.<\/strong><\/p>\n<p><strong>\u0395\u03c0\u03b1\u03bd\u03b1\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c4\u03b7 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2,<\/strong> \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 0,7x \u03c3\u03b5 \u03cc\u03c1\u03bf\u03c5\u03c2 P\/TBV \u03b5\u03bd\u03ce \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 13,6% \u03ba\u03b1\u03c4\u03ac \u03bc\u03ad\u03c3\u03bf \u03cc\u03c1\u03bf ROTE \u03c4\u03bf 2025-28, \u03c0\u03bf\u03c5 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c4\u03b5\u03c3\u03c3\u03ac\u03c1\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd, \u03b1\u03bd\u03b1\u03bb\u03bf\u03b3\u03af\u03b1 CET1 15,7% \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bb\u03bf\u03b3\u03af\u03b1 NPE 2,4% (\u03c3\u03b5 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7 &gt;100%). <strong>\u0397 \u03bd\u03ad\u03b1 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03bf\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 5,70 \u03b5\u03c5\u03c1\u03ce (5,40 \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2) \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ac\u03b3\u03b5\u03c4\u03b1\u03b9 \u03ac\u03bd\u03bf\u03b4\u03bf 29% \u03ba\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf 0,85x \u03c3\u03b5 \u03cc\u03c1\u03bf\u03c5\u03c2 P\/TBV \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 2026.<\/strong><\/p>\n<p><strong>\u0395\u03c0\u03b1\u03bd\u03b1\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c4\u03b7 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae,<\/strong> \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03ad\u03bd\u03b1\u03bd \u03c3\u03c5\u03bd\u03b4\u03c5\u03b1\u03c3\u03bc\u03cc ROTE \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c4\u03bf\u03c5 13% \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7\u03c2 CET1 (19,4%) \u03ba\u03b1\u03b9 NPE (&gt;100%).<strong> \u0397 \u03bd\u03ad\u03b1 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03b5\u03af\u03bd\u03b1\u03b9 10,7 \u03b5\u03c5\u03c1\u03ce (\u03b1\u03c0\u03cc 10,6 \u03b5\u03c5\u03c1\u03ce) \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ac\u03b3\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03cc\u03c7\u03bf 1,2x \u03c3\u03b5 \u03cc\u03c1\u03bf\u03c5\u03c2 P\/TBV \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 2026.<\/strong><\/p>\n<p>\u0393\u03b9\u03b1 \u03c4\u03bf 2025E \u03b7\u00a0Goldman\u00a0Sachs\u00a0\u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03b1\u03ba\u03cc\u03bb\u03bf\u03c5\u03b8\u03b1 \u03c4\u03c1\u03af\u03b1 \u03b8\u03ad\u03bc\u03b1\u03c4\u03b1 \u03b8\u03b1 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03cc \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03cc \u03c7\u03ce\u03c1\u03bf:<\/p>\n<p>(1) \u03bf \u03b1\u03bd\u03c4\u03af\u03ba\u03c4\u03c5\u03c0\u03bf\u03c2 \u03c4\u03c9\u03bd \u03bc\u03b5\u03b9\u03ce\u03c3\u03b5\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03c3\u03c4\u03bf NIM \u03ba\u03b1\u03b9 ROE \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd (\u03bf\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03c4\u03bf \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03bf \u03c4\u03b7\u03c2 \u0395\u039a\u03a4 \u03bd\u03b1 \u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03b1\u03c0\u03cc 3% \u03c3\u03b5 1,75% \u03c4\u03bf\u03c5\u03c2 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2 12 \u03bc\u03ae\u03bd\u03b5\u03c2),<\/p>\n<p>(2) \u03b7 \u03b5\u03c0\u03b9\u03c4\u03ac\u03c7\u03c5\u03bd\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03ce\u03bd \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03b1\u03ba\u03af\u03c9\u03bd<\/p>\n<p>(3) \u03bf\u03b9 \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd\u00a0<a href=\"https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3.png\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1653077 horizontal lazyloaded aligncenter\" src=\"https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3.png\" sizes=\"(max-width: 1193px) 100vw, 1193px\" srcset=\"https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3.png 1193w, https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3-600x316.png 600w, https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3-1024x539.png 1024w, https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3-768x404.png 768w\" alt=\"\" width=\"1193\" height=\"628\" data-src=\"https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3.png\" data-srcset=\"https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3.png 1193w, https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3-600x316.png 600w, https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3-1024x539.png 1024w, https:\/\/www.ot.gr\/wp-content\/uploads\/2025\/02\/thumbnail_image-3-768x404.png 768w\" data-sizes=\"(max-width: 1193px) 100vw, 1193px\" \/><\/a><\/p>\n<h2><\/h2>\n","protected":false},"excerpt":{"rendered":"<p>\u0398\u03b5\u03c4\u03b9\u03ba\u03ae \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03b5\u03c2 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b7 Goldman Sachs \u03b5\u03bd \u03b1\u03bd\u03b1\u03bc\u03bf\u03bd\u03ae \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03ba\u03bf\u03b9\u03bd\u03ce\u03c3\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 2024. \u039f\u03c0\u03c9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ce\u03bd \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03b7 \u03c3\u03c4\u03b1\u03b4\u03b9\u03b1\u03ba\u03ae \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c5\u03c0\u03bf\u03bb\u03bf\u03af\u03c0\u03c9\u03bd DTC \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c4\u03c9\u03bd \u03b2\u03b1\u03c3\u03b9\u03ba\u03ce\u03bd \u03c0\u03b1\u03c1\u03b1\u03b3\u03cc\u03bd\u03c4\u03c9\u03bd \u03bc\u03b9\u03b1\u03c2 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b5\u03c0\u03b1\u03bd\u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2. \u039a\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd\u00a0Goldman\u00a0Sachs\u00a0\u03b7 \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03b5\u03c1\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03c9\u03bd \u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":113506,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[12,61],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/113507"}],"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=113507"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/113507\/revisions"}],"predecessor-version":[{"id":113508,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/113507\/revisions\/113508"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/113506"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=113507"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=113507"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=113507"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}