{"id":114597,"date":"2025-02-28T08:40:34","date_gmt":"2025-02-28T06:40:34","guid":{"rendered":"https:\/\/banknews.gr\/?p=114597"},"modified":"2025-02-28T10:26:35","modified_gmt":"2025-02-28T08:26:35","slug":"alpha-bank-%cf%85%cf%80%ce%b5%cf%81%ce%b5%cf%80%ce%af%cf%84%ce%b5%cf%85%ce%be%ce%b7-%cf%83%cf%84%cf%8c%cf%87%cf%89%ce%bd-%cf%84%ce%bf-2024-%cf%80%cf%81%ce%bf%cf%83%ce%b1%cf%81%ce%bc%ce%bf%cf%83","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=114597","title":{"rendered":"Alpha Bank: \u03a5\u03c0\u03b5\u03c1\u03b5\u03c0\u03af\u03c4\u03b5\u03c5\u03be\u03b7 \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03c4\u03bf 2024 &#8211; \u03a0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 861 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce &#8211; \u0391\u03bd\u03c4\u03b1\u03bc\u03bf\u03b9\u03b2\u03ae \u03bc\u03b5\u03c4\u03cc\u03c7\u03c9\u03bd 281 \u03b5\u03ba\u03b1\u03c4."},"content":{"rendered":"<p>\u0399\u03c3\u03c7\u03c5\u03c1\u03ac\u00a0\u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1\u00a0\u03ba\u03b1\u03b9 \u03c5\u03c0\u03b5\u03c1\u03ba\u03ac\u03bb\u03c5\u03c8\u03b7\u00a0\u03c4\u03c9\u03bd\u00a0\u03c3\u03c4\u03cc\u03c7\u03c9\u03bd\u00a0\u03c4\u03bf\u03c5\u00a0\u03a3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03bf\u03cd\u00a0\u03a3\u03c7\u03b5\u03b4\u03af\u03bf\u03c5 \u03c4\u03b7\u03c2 \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03af\u03b1\u03c3\u03b5 \u03b7 Alpha Bank \u03c4\u03bf 2024, \u03bc\u03b5 <strong>\u03c4\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc<\/strong><strong>\u00a0<\/strong><strong>\u03c6\u03cc\u03c1\u03bf\u03c5\u03c2 \u03bd\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac 9% <\/strong>\u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf 2023, \u03b1\u03b3\u03b3\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 861 \u03b5\u03ba\u03b1\u03c4\u03bf\u03bc\u03bc\u03cd\u03c1\u03b9\u03b1 \u03b5\u03c5\u03c1\u03ce, \u03c0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd, \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 <strong>\u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c3\u03c4\u03bf \u039a\u03b1\u03b8\u03b1\u03c1\u03cc \u03ad\u03c3\u03bf\u03b4\u03bf \u03a4\u03cc\u03ba\u03c9\u03bd <\/strong>(-0,7% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7), \u03c4\u03b7\u03c2 \u03b9<strong>\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2<\/strong><strong>\u00a0<\/strong><strong>\u03b1\u03bd\u03b1\u03c0\u03c4\u03c5\u03be\u03b9\u03b1\u03ba\u03ae\u03c2<\/strong><strong>\u00a0<\/strong><strong>\u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae\u03c2<\/strong><strong>\u00a0<\/strong><strong>\u03c3\u03c4\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u039a\u03b1\u03b8\u03b1\u03c1\u03ac<\/strong><strong>\u00a0<\/strong><strong>\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\u03b5\u03c2 <\/strong>(+12% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2) \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ae\u03c2 \u03b5\u03c3\u03c4\u03af\u03b1\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b7 <strong>\u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2 <\/strong>(\u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u0395\u03be\u03cc\u03b4\u03c9\u03bd \u03c0\u03c1\u03bf\u03c2 \u0388\u03c3\u03bf\u03b4\u03b1 38,6% \u03b1\u03bc\u03b5\u03c4\u03ac\u03b2\u03bb\u03b7\u03c4\u03bf\u03c2 \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7).<\/p>\n<p>\u0397\u00a0<strong>\u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae<\/strong><strong>\u00a0<\/strong><strong>\u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1<\/strong><strong>\u00a0<\/strong>\u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 Alpha Bank \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf 2024 \u03b9\u03c3\u03c7\u03c5\u03c1\u03bf\u03c0\u03bf\u03b9\u03ae\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac\u00a0\u03ba\u03b1\u03b8\u03ce\u03c2\u00a0\u03bf <strong>\u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2<\/strong><strong>\u00a0<\/strong><strong>CET1<\/strong><strong>\u00a0<\/strong><strong>\u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b5<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b1\u03c4\u03ac<\/strong><strong>\u00a0<\/strong><strong>\u03b4\u03cd\u03bf \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03b9\u03b1\u03af\u03b5\u03c2 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 <\/strong>\u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf 2023 \u03c6\u03c4\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf 16,3%.<\/p>\n<p>\u03a3\u03c4\u03b7\u03bd\u00a0\u0395\u03bb\u03bb\u03ac\u03b4\u03b1,\u00a0<strong>\u03b7<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b1\u03b8\u03b1\u03c1\u03ae<\/strong><strong>\u00a0<\/strong><strong>\u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae<\/strong><strong>\u00a0<\/strong><strong>\u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7<\/strong><strong>\u00a0<\/strong>\u03ad\u03c6\u03c4\u03b1\u03c3\u03b5\u00a0\u03b3\u03b9\u03b1\u00a0\u03c0\u03c1\u03ce\u03c4\u03b7\u00a0\u03c6\u03bf\u03c1\u03ac\u00a0\u03c4\u03b1\u00a0<strong>2 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c4\u03bf \u03b4\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf<\/strong>, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bf\u03b9 <strong>\u03bd\u03ad\u03b5\u03c2 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c3\u03b1\u03bd \u03bd\u03ad\u03bf \u03c5\u03c8\u03b7\u03bb\u03cc \u03c1\u03b5\u03ba\u03cc\u03c1 \u03cd\u03c8\u03bf\u03c5\u03c2 4 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce<\/strong>. \u03a4\u03bf \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03ac\u03ba\u03b9\u03bf \u0395\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u0394\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5, \u03b5\u03be\u03b1\u03b9\u03c1\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03bd \u03c4\u03c9\u03bd \u03bf\u03bc\u03bf\u03bb\u03bf\u03b3\u03b9\u03ce\u03bd \u03c5\u03c8\u03b7\u03bb\u03ae\u03c2 \u03b5\u03be\u03bf\u03c6\u03bb\u03b7\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac 12% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 33,3 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce. <strong>\u0397 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ae \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 3,2 \u03b4\u03b9\u03c3. <\/strong><strong>\u03b5\u03c5\u03c1\u03ce,<\/strong><strong>\u00a0<\/strong>\u03c0\u03c1\u03bf\u03b5\u03c1\u03c7\u03cc\u03bc\u03b5\u03bd\u03b7\u00a0\u03ba\u03c5\u03c1\u03af\u03c9\u03c2\u00a0\u03b1\u03c0\u03cc\u00a0\u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2,\u00a0\u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2\u00a0\u03ba\u03b1\u03c4\u03ac\u00a0\u03c0\u03bf\u03bb\u03cd\u00a0\u03c4\u03bf\u03bd \u03b1\u03bd\u03b1\u03b8\u03b5\u03c9\u03c1\u03b7\u03bc\u03ad\u03bd\u03bf \u03c3\u03c4\u03cc\u03c7\u03bf \u03b3\u03b9\u03b1 2 \u03b4\u03b9\u03c3 \u03b5\u03c5\u03c1\u03ce \u03bd\u03ad\u03b5\u03c2 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bf\u03b9 <strong>\u03bd\u03ad\u03b5\u03c2 <\/strong><strong>\u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2<\/strong><strong>\u00a0<\/strong><strong>\u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b1\u03c4\u03ac<\/strong><strong>\u00a0<\/strong><strong>31<\/strong>%\u00a0\u03c3\u03b5\u00a0\u03b5\u03c4\u03ae\u03c3\u03b9\u03b1\u00a0\u03b2\u03ac\u03c3\u03b7.<b><\/b><\/p>\n<p>\u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1, <strong>\u03bf \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b1\u03bd\u03bf\u03b9\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd (NPE Ratio) \u03ba\u03b1\u03c4\u03ad\u03b3\u03c1\u03b1\u03c8\u03b5 \u03c0\u03c4\u03ce\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 3,8%, \u03b1\u03c0\u03cc 6% \u03c4\u03bf 2023<\/strong>, <strong>\u03b5\u03c0\u03b9\u03c4\u03c5\u03b3\u03c7\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03b4\u03cd\u03bf \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf.<\/strong> \u0391\u03bd\u03c4\u03b9\u03c3\u03c4\u03bf\u03af\u03c7\u03c9\u03c2, \u03c4\u03bf \u039a\u03cc\u03c3\u03c4\u03bf\u03c2 \u03a0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u039a\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03c4\u03b9\u03c2 63 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 \u03b2\u03ac\u03c3\u03b7\u03c2, \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc \u03c4\u03bf \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf \u03c0\u03bf\u03c5 \u03b1\u03bd\u03c4\u03b1\u03bd\u03b1\u03ba\u03bb\u03ac \u03c4\u03b7\u03bd\u03b5\u03be\u03c5\u03b3\u03af\u03b1\u03bd\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03b1\u03ba\u03af\u03bf\u03c5 \u039c\u0395\u0391.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-769257\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2025\/02\/\u039a\u03b1\u03c4\u03b1\u03b3\u03c1\u03b1\u03c6\u03ae81.jpg\" alt=\"\" width=\"801\" height=\"451\" \/><\/p>\n<ul>\n<li>\u039f \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u0391\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u0395\u03bd\u03c3\u03ce\u03bc\u03b1\u03c4\u03c9\u03bd \u0399\u03b4\u03af\u03c9\u03bd \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b1 \u03a0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b1 \u039a\u03ad\u03c1\u03b4\u03b7 \u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03a6\u03cc\u03c1\u03bf\u03c5\u03c22 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 14% \u03c4\u03bf 2024, \u03c4\u03b1 \u03a0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b1 \u039a\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae2 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u20ac0,35, \u03b5\u03bd\u03ce \u03bf \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 FL CET1 \u03b1\u03bd\u03b7\u03bb\u03b8\u03b5 \u03c3\u03b5 16,3%.<\/li>\n<li>\u03a3\u03c4\u03b7\u03bd\u0395\u03bb\u03bb\u03ac\u03b4\u03b1, \u03b7 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ae \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 \u20ac2 \u03b4\u03b9\u03c3. \u03c4\u03bf \u03b4\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf, \u03b5\u03bd\u03ce \u03bf\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c3\u03b1\u03bd \u03bd\u03ad\u03bf \u03c5\u03c8\u03b7\u03bb\u03cc \u03c1\u03b5\u03ba\u03cc\u03c1 \u03cd\u03c8\u03bf\u03c5\u03c2 \u20ac4 \u03b4\u03b9\u03c3. \u03a4\u03bf \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03ac\u03ba\u03b9\u03bf \u0395\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u0394\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5, \u03b5\u03be\u03b1\u03b9\u03c1\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03bd \u03c4\u03c9\u03bd \u03bf\u03bc\u03bf\u03bb\u03bf\u03b3\u03b9\u03ce\u03bd \u03c5\u03c8\u03b7\u03bb\u03ae\u03c2 \u03b5\u03be\u03bf\u03c6\u03bb\u03b7\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac 12% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 \u20ac33,3 \u03b4\u03b9\u03c3. \u0397 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ae \u03c0\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 \u20ac3,2 \u03b4\u03b9\u03c3., \u03c0\u03c1\u03bf\u03b5\u03c1\u03c7\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b1\u03c0\u03cc \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b5\u03bd\u03ce \u03bf\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 31% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7.<\/li>\n<\/ul>\n<ul>\n<li>\u03a4\u03b1 \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03b1 \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 8,2% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03c3\u03c5\u03bd\u03b5\u03c0\u03b5\u03af\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c5\u03c0\u03cc \u0394\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03a0\u03b5\u03c1\u03b9\u03bf\u03c5\u03c3\u03b9\u03b1\u03ba\u03ce\u03bd \u03a3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03c9\u03bd (AUMs) \u03ba\u03b1\u03c4\u03ac 17,2% \u03b5\u03bd\u03ce \u03bf\u03b9 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 5,3% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7. \u039f\u03b9 \u03c0\u03c1\u03bf\u03b8\u03b5\u03c3\u03bc\u03b9\u03b1\u03ba\u03ad\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 \u03c9\u03c2 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c4\u03c9\u03bd \u03b5\u03b3\u03c7\u03ce\u03c1\u03b9\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 26% (+1 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03b9\u03b1\u03af\u03b1 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b1 \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2), \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03c9\u03c2 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 (beta) \u03bd\u03b1 \u03b1\u03bd\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 22%.<\/li>\n<\/ul>\n<ul>\n<li>\u0391\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03cd\u03c1\u03b9\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b5\u03c2 \u03ba\u03b1\u03c4\u03ac1,7% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03c0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03b1\u03c1\u03bd\u03b7\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd, \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c3\u03c4\u03bf \u039a\u03b1\u03b8\u03b1\u03c1\u03cc \u0388\u03c3\u03bf\u03b4\u03bf \u03a4\u03cc\u03ba\u03c9\u03bd \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03b9\u03c3\u03c7\u03c5\u03bc\u03ad\u03bd\u03b7\u03c2 \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b1 \u039a\u03b1\u03b8\u03b1\u03c1\u03ac \u0388\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03a0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2 (+12% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7).<\/li>\n<\/ul>\n<ul>\n<li>\u039f \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u039c\u03b7 \u0395\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u0391\u03bd\u03bf\u03b9\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 3,8%, \u03b5\u03c0\u03b9\u03c4\u03c5\u03b3\u03c7\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03c0\u03bf\u03c5 \u03b5\u03af\u03c7\u03b5 \u03c4\u03b5\u03b8\u03b5\u03af \u03b2\u03ac\u03c3\u03b5\u03b9 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03c3\u03c7\u03b5\u03b4\u03af\u03bf\u03c5 \u03b4\u03cd\u03bf \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1. \u039f \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u039a\u03ac\u03bb\u03c5\u03c8\u03b7\u03c2 \u03c4\u03c9\u03bd \u039c\u03b7 \u0395\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u0391\u03bd\u03bf\u03b9\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 53%, \u03b5\u03bd\u03b9\u03c3\u03c7\u03c5\u03bc\u03ad\u03bd\u03bf\u03c2 \u03ba\u03b1\u03c4\u03ac 8 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03b9\u03b1\u03af\u03b5\u03c2 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7. \u03a4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u039a\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 63 \u03bc.\u03b2. \u03b3\u03b9\u03b1 \u03c4\u03bf 2024.<\/li>\n<\/ul>\n<ul>\n<li>\u039f \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 FL CET1 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 16,3% \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c5\u03c0\u03cc\u03c8\u03b7 \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7 \u03b3\u03b9\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03cd\u03c8\u03bf\u03c5\u03c2 \u20ac284 \u03b5\u03ba\u03b1\u03c4. \u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c0\u03c1\u03bf\u03ae\u03bb\u03b8\u03b5 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\u03bc.\u03b2. \u03b1\u03c0\u03cc \u03c3\u03c5\u03bd\u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2.<\/li>\n<\/ul>\n<p>\u039b\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03b7\u03c2 \u03c5\u03c0\u03cc\u03c8\u03b7 \u03c4\u03b7\u03c2 \u03b8\u03b5\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b1 \u03a3\u03c4\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u039a\u03af\u03bd\u03b4\u03c5\u03bd\u03bf \u03a3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03b1 \u03c4\u03bf\u03c5 \u0395\u03bd\u03b5\u03c1\u03b3\u03b7\u03c4\u03b9\u03ba\u03bf\u03cd (RWAs), \u03bf \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 FL CET1, \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 16,8%3 \u03ba\u03b1\u03b9 \u03bf \u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03cc\u03c2 \u0394\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u0395\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 22,6%3.<\/p>\n<ul>\n<li>\u0397 \u0395\u03bd\u03c3\u03ce\u03bc\u03b1\u03c4\u03b7 \u039a\u03b1\u03b8\u03b1\u03c1\u03ae \u0391\u03be\u03af\u03b1 \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 \u20ac7 \u03b4\u03b9\u03c3., \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7 \u03ba\u03b1\u03c4\u03ac 9,3% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03ae 11% \u03bc\u03b7 \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2\u03c5\u03c0\u03cc\u03c8\u03b7\u00a0\u03c4\u03b7\u03bd\u00a0\u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u00a0\u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-769251\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2025\/02\/\u039a\u03b1\u03c4\u03b1\u03b3\u03c1\u03b1\u03c6\u03ae80.jpg\" alt=\"\" width=\"881\" height=\"272\" \/><\/p>\n<h4><strong><b>\u03a5\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03c4\u03c9\u03bd<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03c3\u03c4\u03cc\u03c7\u03c9\u03bd<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03c4\u03bf\u03c5<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03a3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03bf\u03cd<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03a3\u03c7\u03b5\u03b4\u03af\u03bf\u03c5<\/b><\/strong><\/h4>\n<p>\u03a4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 Alpha Bank \u03b4\u03b5\u03af\u03c7\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03c5\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b5\u03af\u03c7\u03b5 \u03b8\u03ad\u03c3\u03b5\u03b9 \u03c4\u03b1\u03c7\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03c7\u03c1\u03bf\u03bd\u03bf\u03b4\u03b9\u03ac\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1. \u039f CEO \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 \u03c3\u03c4\u03b7 \u03b4\u03ae\u03bb\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b5\u03af\u03c0\u03b5: \u00ab\u0395\u03af\u03bc\u03b1\u03b9 \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1 \u03c3\u03c4\u03b7\u03bd \u03b5\u03c5\u03c7\u03ac\u03c1\u03b9\u03c3\u03c4\u03b7 \u03b8\u03ad\u03c3\u03b7 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03c3\u03c9 \u03cc\u03c4\u03b9, \u03ad\u03c7\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bf\u03bb\u03bf\u03ba\u03bb\u03b7\u03c1\u03ce\u03c3\u03b5\u03b9 \u03c4\u03bf 2024, \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c4\u03bf \u03b4\u03b5\u03cd\u03c4\u03b5\u03c1\u03bf \u03ad\u03c4\u03bf\u03c2 \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u03c4\u03bf\u03c5 \u03a3\u03c7\u03b5\u03b4\u03af\u03bf\u03c5 \u03bc\u03b1\u03c2, \u03c5\u03bb\u03bf\u03c0\u03bf\u03b9\u03bf\u03cd\u03bc\u03b5 \u03c4\u03b7 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03bc\u03b1\u03c2 \u03c0\u03bf\u03bb\u03cd \u03c4\u03b1\u03c7\u03cd\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03c7\u03c1\u03bf\u03bd\u03bf\u03b4\u03b9\u03ac\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1, \u03ba\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03ad\u03c7\u03bf\u03c5\u03bc\u03b5 \u03c5\u03c0\u03b5\u03c1\u03b2\u03b5\u03af \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf\u03c5\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03af\u03c7\u03b1\u03bc\u03b5 \u03b8\u03ad\u03c3\u03b5\u03b9, \u03c4\u03cc\u03c3\u03bf \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b7\u03bd \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae, \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b7 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd\u00bb.<\/p>\n<p>\u0395\u03af\u03bd\u03b1\u03b9\u00a0\u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc\u00a0\u03cc\u03c4\u03b9\u00a0\u03bf\u00a0\u038c\u03bc\u03b9\u03bb\u03bf\u03c2\u00a0<strong>\u03bc\u03ad\u03c3\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u03c3\u03b5<\/strong><strong>\u00a0<\/strong><strong>\u03b4\u03cd\u03bf<\/strong><strong>\u00a0<\/strong><strong>\u03c7\u03c1\u03cc\u03bd\u03b9\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b1\u03c4\u03ac\u03c6\u03b5\u03c1\u03b5<\/strong><strong>\u00a0<\/strong><strong>\u03bd\u03b1 <\/strong><strong>\u03c5\u03bb\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9 \u03c4\u03bf 100% \u03c4\u03bf\u03c5 \u03c4\u03c1\u03b9\u03b5\u03c4\u03bf\u03cd\u03c2 \u03c3\u03c7\u03b5\u03b4\u03af\u03bf\u03c5 <\/strong>\u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03b1\u03b3\u03c9\u03b3\u03ae \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5. \u0394\u03b9\u03ad\u03b8\u03b5\u03c3\u03b5\u00a00,6\u00a0\u03b4\u03b9\u03c2\u00a0\u03b5\u03c5\u03c1\u03ce\u00a0\u03b3\u03b9\u03b1\u00a0\u03c4\u03b7\u00a0\u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u00a0\u03c4\u03b7\u03c2\u00a0\u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2\u00a0\u03c4\u03bf\u03c5\u00a0\u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03b5\u03bd\u03ce\u00a0\u03c0\u03ac\u03bd\u03c9\u00a0\u03b1\u03c0\u03cc\u00a0400\u00a0\u03b5\u03ba\u03b1\u03c4\u03bf\u03bc\u03bc\u03cd\u03c1\u03b9\u03b1\u00a0\u03ad\u03c7\u03bf\u03c5\u03bd\u00a0\u03b4\u03b9\u03b1\u03c4\u03b5\u03b8\u03b5\u03af\u00a0\u03b3\u03b9\u03b1\u00a0\u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ad\u03c2\u00a0\u03c3\u03c4\u03bf\u03c5\u03c2\u00a0\u03bc\u03b5\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2.<\/p>\n<p>\u039c\u03b5 \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03c5\u03c3\u03b1 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03bf \u038c\u03bc\u03b9\u03bb\u03bf\u03c2 \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03b8\u03ad\u03c3\u03b7 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03c9\u03bd \u03bc\u03b5\u03b9\u03ce\u03c3\u03b5\u03c9\u03bd \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03b5\u03bd\u03ce \u03ad\u03c7\u03b5\u03b9 \u03bc\u03b5\u03b9\u03ce\u03c3\u03b5\u03b9 \u03c4\u03b1 \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1 \u03b1\u03bd\u03bf\u03af\u03b3\u03bc\u03b1\u03c4\u03b1 \u03ba\u03ac\u03c4\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf 4% \u03b4\u03cd\u03bf \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1 \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c3\u03c7\u03ad\u03b4\u03b9\u03bf, \u03ba\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac\u03c6\u03b5\u03c1\u03b5 \u03bd\u03b1 \u03c0\u03b5\u03c4\u03cd\u03c7\u03b5\u03b9 \u03c4\u03bf\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03cc \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03bf\u03c5 16% \u03ad\u03bd\u03b1 \u03c7\u03c1\u03cc\u03bd\u03bf \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c3\u03c7\u03ad\u03b4\u03b9\u03bf. \u03a4\u03ad\u03bb\u03bf\u03c2, \u03bf \u038c\u03bc\u03b9\u03bb\u03bf\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03ae\u03b4\u03b7 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03b2\u03b9\u03ce\u03c3\u03b9\u03bc\u03b5\u03c2 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03bf\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u03cd\u03c8\u03bf\u03c5\u03c2 2,6 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c3\u03b5 \u03bc\u03cc\u03bb\u03b9\u03c2 \u03b4\u03cd\u03bf \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-769258\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2025\/02\/\u039a\u03b1\u03c4\u03b1\u03b3\u03c1\u03b1\u03c6\u03ae82.jpg\" alt=\"\" width=\"851\" height=\"425\" \/><\/p>\n<h4><strong><b>\u0394\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u2013<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03a3\u03c4\u03bf<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>75%<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03c4\u03bf<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>buyback<\/b><\/strong><\/h4>\n<p>\u039c\u03b5\u00a0\u03c3\u03c4\u03cc\u03c7\u03bf\u00a0\u03c4\u03b7\u03bd\u00a0\u03b5\u03c0\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae\u00a0\u03b1\u03be\u03af\u03b1\u03c2\u00a0\u03c3\u03c4\u03bf\u03c5\u03c2\u00a0\u03bc\u03b5\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2,\u00a0\u03b7\u00a0\u0394\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7\u00a0\u03c4\u03b7\u03c2\u00a0Alpha\u00a0Bank\u00a0\u03b8\u03b1 \u03c0\u03c1\u03bf\u03c4\u03b5\u03af\u03bd\u03b5\u03b9 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 <strong>\u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ae\u03c2 \u03b1\u03be\u03af\u03b1\u03c2 284 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce, \u03c0\u03bf\u03c5 <\/strong><strong>\u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af<\/strong><strong>\u00a0<\/strong><strong>\u03c3\u03c4\u03bf<\/strong><strong>\u00a0<\/strong><strong>43%<\/strong><strong>\u00a0<\/strong><strong>\u03b5\u03c0\u03af<\/strong><strong>\u00a0<\/strong><strong>\u03c4\u03c9\u03bd \u03b4\u03b7\u03bc\u03bf\u03c3\u03b9\u03b5\u03c5\u03bc\u03ad\u03bd\u03c9\u03bd<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b5\u03c1\u03b4\u03ce\u03bd<\/strong><strong>\u00a0<\/strong><strong>2024<\/strong>.\u00a0\u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1,\u00a0\u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c0\u03c1\u03bf\u03c4\u03b5\u03af\u03bd\u03b5\u03b9, \u03c5\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03af\u03c1\u03b5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03ad\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u0395\u03c0\u03cc\u03c0\u03c4\u03b7,\u00a0<strong>\u03c4\u03b7 \u03b4\u03b9\u03ac\u03b8\u03b5\u03c3\u03b7 \u03c4\u03bf\u03c5 75% \u03b1\u03c0\u03cc \u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03c9\u03bd 284 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b1\u03bd\u03b1\u03b3\u03bf\u03c1\u03ac \u03b9\u03b4\u03af\u03c9\u03bd <\/strong><strong>\u03bc\u03b5\u03c4\u03bf\u03c7\u03ce\u03bd<\/strong><strong>\u00a0<\/strong><strong>(buyback),<\/strong><strong>\u00a0<\/strong>\u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2\u00a0\u03c4\u03b7\u03bd\u00a0\u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03bf\u03c3\u03cd\u03bd\u03b7\u00a0\u03c3\u03c4\u03b9\u03c2\u00a0\u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2\u00a0\u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03b5\u03c0\u03bf\u03af\u03b8\u03b7\u03c3\u03b7 \u03cc\u03c4\u03b9 \u03b1\u03c5\u03c4\u03ad\u03c2 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03c0\u03bf\u03c4\u03c5\u03c0\u03c9\u03b8\u03bf\u03cd\u03bd \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2.\u00a0\u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af <strong>\u03cc\u03c4\u03b9 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c4\u03bf \u03ad\u03c4\u03bf\u03c2 2024 \u03ad\u03c6\u03c4\u03b1\u03c3\u03b5 \u03c4\u03b1 0,35 \u03b5\u03c5\u03c1\u03ce \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae<\/strong>, \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03af\u03c7\u03b5 \u03c0\u03c1\u03bf\u03b2\u03bb\u03b5\u03c6\u03b8\u03b5\u03af \u03b3\u03b9\u03b1 \u03c4\u03bf \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03ad\u03c4\u03bf\u03c2 2026.<\/p>\n<h4><strong><b>\u03a3\u03c4\u03bf<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>1<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03b4\u03b9\u03c3.<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03b5\u03c5\u03c1\u03ce<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03bf<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03c3\u03c4\u03cc\u03c7\u03bf\u03c2<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1\u03c2<\/b><\/strong><strong><b>\u00a0<\/b><\/strong><strong><b>\u03c4\u03bf<\/b><\/strong><strong><b>\u00a02027<\/b><\/strong><\/h4>\n<p>\u0397\u00a0\u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u00a0\u03c4\u03bf\u03c5\u00a0\u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd\u00a0\u03c4\u03bf\u03c5\u00a0\u039f\u03bc\u03af\u03bb\u03bf\u03c5\u00a0Alpha\u00a0Bank\u00a0\u03b5\u03c0\u03b9\u03c4\u03c1\u03ad\u03c0\u03b5\u03b9\u00a0\u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03ae \u03c4\u03b7\u03c2, \u03c7\u03c4\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bc\u03af\u03b1 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03c9\u03c4\u03b1\u03b3\u03c9\u03bd\u03b9\u03c3\u03c4\u03b5\u03af \u03c3\u03c4\u03bf \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03cc \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03cc \u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1. \u03a3\u03c4\u03bf <strong>\u03bd\u03ad\u03bf \u03c4\u03c1\u03b9\u03b5\u03c4\u03ad\u03c2 <\/strong><strong>\u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03cc \u03c4\u03bf\u03c5 \u03c0\u03bb\u03ac\u03bd\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1 2025-2027<\/strong>, \u03bf \u038c\u03bc\u03b9\u03bb\u03bf\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03b1\u03ba\u03cc\u03bc\u03b1\u00a0\u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7\u00a0\u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7,\u00a0\u03bc\u03b5\u00a0\u03c3\u03c4\u03cc\u03c7\u03bf\u00a0<strong>\u03c4\u03bf<\/strong><strong>\u00a0<\/strong><strong>2027<\/strong><strong>\u00a0<\/strong><strong>\u03b7<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u03bd\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u03b1\u03b3\u03b3\u03af\u03be\u03b5\u03b9<\/strong><strong>\u00a0<\/strong><strong>\u03c4\u03bf 1 \u03b4\u03b9\u03c3. \u0395\u03c5\u03c1\u03ce<\/strong>.<\/p>\n<p>\u03a0\u03b9\u03bf \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03b3\u03b9\u03b1 \u03c4\u03bf 2025, \u03c4\u03bf guidance \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03b9 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03ac\u03bd\u03c9 \u03c4\u03c9\u03bd 2,2 \u03b4\u03b9\u03c3.\u00a0\u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bd\u03b1 \u03be\u03b5\u03c0\u03b5\u03c1\u03ac\u03c3\u03bf\u03c5\u03bd <strong>\u03c4\u03b1 2,5<\/strong><strong>\u00a0<\/strong><strong>\u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce<\/strong><strong>\u00a0<\/strong><strong>\u03c4\u03bf 2027<\/strong>. \u03a4\u03bf FL CET1 Ratio \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03ad\u03c9\u03c2 \u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 \u03bd\u03ad\u03bf\u03c5 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03bf\u03cd \u03c0\u03bb\u03ac\u03bd\u03bf\u03c5 \u03bd\u03b1 \u03be\u03b5\u03c0\u03b5\u03c1\u03ac\u03c3\u03b5\u03b9 \u03c4\u03bf 17%, \u03b5\u03bd\u03ce \u03b7 \u03b1\u03be\u03af\u03b1 \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03b1 8 \u03b4\u03b9\u03c3 \u0395\u03c5\u03c1\u03ce\u00a0\u03ad\u03bd\u03b1\u03bd\u03c4\u03b9\u00a07\u00a0\u03b4\u03b9\u03c3.\u00a0\u03c0\u03bf\u03c5\u00a0\u03b5\u03af\u03bd\u03b1\u03b9\u00a0\u03c3\u03ae\u03bc\u03b5\u03c1\u03b1.<\/p>\n<p>\u0397\u00a0\u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u00a0\u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u00a0\u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u00a0\u03c4\u03b7\u03c2\u00a0\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2\u00a0\u03ba\u03b1\u03b8\u03ce\u03c2\u00a0\u03ba\u03b1\u03b9\u00a0\u03b7\u00a0<strong>\u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03af\u03b1<\/strong><strong>\u00a0<\/strong><strong>\u03bd\u03ad\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd<\/strong><strong>\u00a0<\/strong><strong>\u03ac\u03bd\u03c9<\/strong><strong>\u00a0<\/strong><strong>\u03c4\u03c9\u03bd<\/strong><strong>\u00a0<\/strong><strong>3<\/strong><strong>\u00a0<\/strong><strong>\u03b4\u03b9\u03c3.<\/strong><strong>\u00a0<\/strong><strong>\u03b5\u03c5\u03c1\u03ce<\/strong><strong>\u00a0<\/strong><strong>\u03ba\u03b1\u03c4\u03ac<\/strong><strong>\u00a0<\/strong><strong>\u03c4\u03b7\u03bd<\/strong><strong>\u00a0<\/strong><strong>\u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1<\/strong><strong>\u00a0<\/strong><strong>2025-2027<\/strong>, \u03b8\u03b1 \u03b4\u03af\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03bd\u03b1 \u03b5\u03c0\u03b5\u03ba\u03c4\u03b1\u03b8\u03b5\u03af \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf \u03c3\u03b5 \/\u03b5\u03ba\u03bc\u03b5\u03c4\u03b1\u03bb\u03bb\u03b5\u03c5\u03c4\u03b5\u03af \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b5\u03c2, \u03cc\u03c0\u03c9\u03c2 \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03b1 \u03c0\u03c1\u03bf\u03c7\u03ce\u03c1\u03b7\u03c3\u03b5 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ac \u03c4\u03b7\u03c2 FlexFin \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b5\u03b9\u03c3\u03c7\u03ce\u03c1\u03b7\u03c3\u03ae \u03c4\u03b7\u03c2 \u03c3\u03c4\u03b7 \u03b8\u03c5\u03b3\u03b1\u03c4\u03c1\u03b9\u03ba\u03ae \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 ABC Factors \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03b5\u03b9 \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\u03b7\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf 2025.<\/p>\n<p>\u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03c0\u03c9\u03c2 \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03bf \u03bd\u03ad\u03bf \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03cc \u03c3\u03c7\u03ad\u03b4\u03b9\u03bf, <strong>\u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 2027 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03be\u03b5\u03c0\u03b5\u03c1\u03ac\u03c3\u03bf\u03c5\u03bd \u03c4\u03b1 0,42 \u03b5\u03c5\u03c1\u03ce, <\/strong>\u03b5\u03bd\u03ce \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 Cost-Income Ratio \u03c3\u03c4\u03bf 37% \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03ba\u03ac\u03c4\u03c9 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 50 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 \u03b2\u03ac\u03c3\u03b7\u03c2.<\/p>\n<p>\u03a3\u03c4\u03b7 \u03b4\u03ae\u03bb\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bf <strong>\u0392\u03b1\u03c3\u03af\u03bb\u03b7\u03c2 \u03a8\u03ac\u03bb\u03c4\u03b7\u03c2 <\/strong>\u03c5\u03c0\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b9\u03c3\u03b5: \u00ab<em>\u03a3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03bc\u03b1\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cd\u03c7\u03bf\u03c5\u03bc\u03b5<\/em><em>\u00a0<\/em><em>\u03b1\u03c5\u03c4\u03ac<\/em><em>\u00a0<\/em><em>\u03c4\u03b1<\/em><em>\u00a0<\/em><em>\u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1,<\/em><em>\u00a0<\/em><em>\u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ce\u03bd\u03c4\u03b1\u03c2<\/em><em>\u00a0<\/em><em>\u03c0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1<\/em><em>\u00a0<\/em><em>\u03c4\u03b7<\/em><em>\u00a0<\/em><em>\u03b4\u03ad\u03c3\u03bc\u03b5\u03c5\u03c3\u03ae<\/em><em>\u00a0<\/em><em>\u03bc\u03b1\u03c2 \u03b3\u03b9\u03b1<\/em><em>\u00a0<\/em><em>\u03c4\u03b7<\/em><em>\u00a0<\/em><em>\u03c3\u03c5\u03bd\u03b5\u03c7\u03ae<\/em><em>\u00a0<\/em><em>\u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7<\/em><em>\u00a0<\/em><em>\u03c4\u03b7\u03c2<\/em><em>\u00a0<\/em><em>\u03b1\u03bd\u03c4\u03b1\u03bc\u03bf\u03b9\u03b2\u03ae\u03c2<\/em><em>\u00a0<\/em><em>\u03c4\u03c9\u03bd<\/em><em>\u00a0<\/em><em>\u039c\u03b5\u03c4\u03cc\u03c7\u03c9\u03bd<\/em><em>\u00a0<\/em><em>\u03bc\u03b1\u03c2<\/em><em>\u00a0<\/em><em>\u03ba\u03b1\u03b9<\/em><em>\u00a0<\/em><em>\u03b3\u03b9\u03b1<\/em><em>\u00a0<\/em><em>\u03c4\u03b7\u03bd<\/em><em>\u00a0<\/em><em>\u03c0\u03b1\u03c1\u03bf\u03c7\u03ae \u03bc\u03af\u03b1\u03c2 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b1\u03c2 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1\u03c2 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03a0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03bc\u03b1\u03c2, \u03c4\u03bf\u03c0\u03bf\u03b8\u03b5\u03c4\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd Alpha Bank \u03c3\u03c4\u03b7\u03bd \u03c0\u03c1\u03ce\u03c4\u03b7 \u03b3\u03c1\u03b1\u03bc\u03bc\u03ae \u03c4\u03bf\u03c5 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03bf\u03cd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03bf\u03cd \u03ba\u03bb\u03ac\u03b4\u03bf\u03c5<\/em>\u00bb<\/p>\n<h4><strong><b>\u0395\u03c0\u03b9\u03c3\u03ba\u03cc\u03c0\u03b7\u03c3\u03b7<\/b><\/strong><strong><b>\u00a0\u0391\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd<\/b><\/strong><\/h4>\n<ul>\n<li>\u03a4\u03bf 2024, \u03c4\u03bf \u039a\u03b1\u03b8\u03b1\u03c1\u03cc \u0388\u03c3\u03bf\u03b4\u03bf \u03a4\u03cc\u03ba\u03c9\u03bd \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 \u20ac1,6 \u03b4\u03b9\u03c3., \u03bc\u03b5\u03b9\u03c9\u03bc\u03ad\u03bd\u03bf \u03ba\u03b1\u03c4\u03ac 0,7% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c4\u03bf \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03af\u03c3\u03c4\u03b7\u03ba\u03b1\u03bd \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b8\u03b5\u03c4\u03b9\u03ba\u03ae \u03c3\u03c5\u03bd\u03b5\u03b9\u03c3\u03c6\u03bf\u03c1\u03ac \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03ad\u03ba\u03c5\u03c8\u03b5 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03ac\u03ba\u03b9\u03bf \u03c4\u03c9\u03bd \u0395\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u0394\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1 \u03c7\u03c1\u03b5\u03bf\u03b3\u03c1\u03ac\u03c6\u03c9\u03bd. \u0395\u03bd\u03ce \u03b3\u03b9\u03b1 \u03c4\u03bf \u03b4\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf, \u03c4\u03bf \u039a\u03b1\u03b8\u03b1\u03c1\u03cc \u03ad\u03c3\u03bf\u03b4\u03bf \u03a4\u03cc\u03ba\u03c9\u03bd \u03c0\u03b1\u03c1\u03ad\u03bc\u03b5\u03b9\u03bd\u03b5 \u03c3\u03c7\u03b5\u03b4\u03cc\u03bd \u03b1\u03bc\u03b5\u03c4\u03ac\u03b2\u03bb\u03b7\u03c4\u03bf (-0,6% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7) \u03ba\u03b1\u03b9 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 \u20ac406 \u03b5\u03ba\u03b1\u03c4.<\/li>\n<\/ul>\n<ul>\n<li>\u03a4\u03bf 2024, \u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 12% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b1\u03bd \u03c3\u03b5 \u20ac420 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\u03c4\u03b1 \u039a\u03b1\u03b8\u03b1\u03c1\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac 5,2% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b1\u03bd \u03c3\u03b5 \u20ac114,4 \u03b5\u03ba\u03b1\u03c4., \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03bd\u03ad\u03c9\u03bd \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03c9\u03bd \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03bc\u03b7\u03b8\u03b5\u03b9\u03ce\u03bd \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03ce\u03bd 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(-0,4% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7), \u03b5\u03bd\u03ce \u03c4\u03bf \u03b4\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03bc\u03b5\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac 5,1% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ae\u03c2 \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u039a\u03cd\u03c1\u03b9\u03c9\u03bd \u0395\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u039b\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03ce\u03bd \u0395\u03be\u03cc\u03b4\u03c9\u03bd.<\/li>\n<\/ul>\n<ul>\n<li>\u03a4\u03bf 2024, \u03c4\u03bf \u039a\u03cc\u03c3\u03c4\u03bf\u03c2 \u03a0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u039a\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b5 \u03c3\u03b5 63 \u03bc.\u03b2., \u03b1\u03bd\u03c4\u03b1\u03bd\u03b1\u03ba\u03bb\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd \u03b5\u03be\u03c5\u03b3\u03af\u03b1\u03bd\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03b1\u03ba\u03af\u03bf\u03c5\u039c\u0395\u0391. \u03a4\u03bf \u03b4\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2024, \u03c4\u03bf \u039a\u03cc\u03c3\u03c4\u03bf\u03c2 \u03a0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u039a\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5, \u03bc\u03b7 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd \u03c4\u03c9\u03bd 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