{"id":117696,"date":"2025-05-08T17:58:01","date_gmt":"2025-05-08T14:58:01","guid":{"rendered":"https:\/\/banknews.gr\/?p=117696"},"modified":"2025-05-08T17:58:02","modified_gmt":"2025-05-08T14:58:02","slug":"%ce%b5%ce%b8%ce%bd%ce%b9%ce%ba%ce%ae-%cf%84%cf%81%ce%ac%cf%80%ce%b5%ce%b6%ce%b1-%ce%ba%ce%ad%cf%81%ce%b4%ce%b7-%ce%bc%ce%b5%cf%84%ce%ac-%cf%86%cf%8c%cf%81%cf%89%ce%bd-381-%ce%b5%ce%ba%ce%b1%cf%84","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=117696","title":{"rendered":"\u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1: \u039a\u03ad\u03c1\u03b4\u03b7 \u03bc\u03b5\u03c4\u03ac \u03c6\u03cc\u03c1\u03c9\u03bd 381 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c5\u03c1\u03ce \u03c3\u03c4\u03bf \u03c0\u03c1\u03ce\u03c4\u03bf \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf &#8211; To \u03bc\u03ae\u03bd\u03c5\u03bc\u03b1 \u039c\u03c5\u03bb\u03c9\u03bd\u03ac"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u039a\u03ad\u03c1\u03b4\u03b7 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\u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2025, \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd (~100 \u03bc.\u03b2. \u03c3\u03c9\u03c1\u03b5\u03c5\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf \u0394\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2024 \u03ba\u03b1\u03b9 \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025), \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03af\u03c3\u03c4\u03b7\u03ba\u03b5 \u03b5\u03bd \u03bc\u03ad\u03c1\u03b5\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03c5\u03b3\u03b9\u03ae \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7, \u03c4\u03b7\u03bd \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd (hedging), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03bc\u03b5\u03af\u03b3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03ce\u03bd \u03bc\u03b1\u03c2<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0391\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03bc\u03b7\u03b8\u03b5\u03b9\u03ce\u03bd \u03ba\u03b1\u03c4\u03ac +13% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 \u03c3\u03b5 \u03c3\u03c5\u03b3\u03ba\u03c1\u03af\u03c3\u03b9\u03bc\u03b7 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025, \u03bc\u03b5 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ad\u03c2 \u03b5\u03c0\u03b9\u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03c4\u03cc\u03c3\u03bf \u03c3\u03c4\u03b7 \u039b\u03b9\u03b1\u03bd\u03b9\u03ba\u03ae (+15%2 \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7) \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u0395\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ae \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae (+35% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7). \u039f\u03b9 \u03c3\u03c4\u03b1\u03c5\u03c1\u03bf\u03b5\u03b9\u03b4\u03b5\u03af\u03c2 \u03c0\u03c9\u03bb\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd 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\u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0391\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b1\u03bd\u03b1\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03ce\u03bd \u03b4\u03b1\u03c0\u03b1\u03bd\u03ce\u03bd \u03ba\u03b1\u03c4\u03ac +5% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025, \u03b1\u03c0\u03bf\u03c4\u03c5\u03c0\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b4\u03b1\u03c0\u03ac\u03bd\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03bf\u03cd, \u03bb\u03cc\u03b3\u03c9 \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03c9\u03bd \u03bc\u03b9\u03c3\u03b8\u03ce\u03bd \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c4\u03b1\u03b2\u03bb\u03b7\u03c4\u03ce\u03bd 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\u0395\u03be\u03cc\u03b4\u03bf\u03c5 \u03c4\u03bf\u03c5 \u0394\u2019 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 2024 \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c4\u03c5\u03c0\u03c9\u03b8\u03b5\u03af \u03c0\u03bb\u03ae\u03c1\u03c9\u03c2 \u03c3\u03c4\u03bf \u0392\u2019 \u03b5\u03be\u03ac\u03bc\u03b7\u03bd\u03bf 2025 \u03ba\u03b1\u03b9 \u03b5\u03c6\u03b5\u03be\u03ae\u03c2<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03b9\u03c2 46 \u03bc.\u03b2. \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 (49 \u03bc.\u03b2. \u03c4\u03bf \u0394\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2024), \u03b1\u03bd\u03c4\u03b1\u03bd\u03b1\u03ba\u03bb\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03b5\u03c5\u03bd\u03bf\u03ca\u03ba\u03ad\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03b7\u03bd \u03c0\u03bf\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03bf\u03cd \u03bc\u03b1\u03c2 \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03b1\u03ba\u03af\u03bf\u03c5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 19,1%, \u03ae 16,5% \u03bf\u03bc\u03b1\u03bb\u03bf\u03c0\u03bf\u03b9\u03ce\u03bd\u03c4\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03c5\u03c8\u03b7\u03bb\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c0\u03c1\u03ac\u03be\u03b5\u03b9\u03c2 \u03c3\u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 (\u03c7\u03c9\u03c1\u03af\u03c2 \u03b1\u03bd\u03b1\u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03b5\u03c0\u03af \u03c4\u03bf\u03c5 \u03c5\u03c0\u03b5\u03c1\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd\u03c4\u03bf\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 CET1 \u03ac\u03bd\u03c9 \u03c4\u03bf\u03c5 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03bf\u03cd \u03bc\u03b1\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5 \u03cd\u03c8\u03bf\u03c5\u03c2 14%), \u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03c4\u03ac \u03c0\u03bf\u03bb\u03cd \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf &gt;13% \u03c0\u03bf\u03c5 \u03ad\u03c7\u03bf\u03c5\u03bc\u03b5 \u03b8\u03ad\u03c3\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03bf 2025<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f \u03c5\u03c8\u03b7\u03bb\u03ae\u03c2 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u0399\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc\u03c2 \u03bc\u03b1\u03c2 \u03c3\u03c5\u03bd\u03b5\u03c7\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03be\u03b5\u03c7\u03c9\u03c1\u03af\u03b6\u03b5\u03b9<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03c4\u03ac +12% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 \u03c3\u03c5\u03b3\u03ba\u03c1\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b5\u03c5\u03bd\u03bf\u03ca\u03ba\u03ac \u03bc\u03b5 \u03c4\u03bf \u03c3\u03c4\u03cc\u03c7\u03bf \u03bc\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd ~8% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 \u03c4\u03b1 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b1 3 \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ae \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03c3\u03c4\u03bf \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03bd\u03b1 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 +\u20ac0,34 \u03b4\u03b9\u03c3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03b5\u03ba\u03c4\u03b1\u03bc\u03b9\u03b5\u03cd\u03c3\u03b5\u03b9\u03c2 \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03b1\u03bd\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u20ac1,6 \u03b4\u03b9\u03c3. \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025, \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b5\u03c2 \u03ba\u03b1\u03c4\u03ac +41% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03bc\u03b5 \u03b1\u03b9\u03c7\u03bc\u03ae \u03c4\u03bf\u03c5 \u03b4\u03cc\u03c1\u03b1\u03c4\u03bf\u03c2 \u03c4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u0399\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03c4\u03c9\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ce\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd \u03c0\u03bf\u03c5 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03c1\u03ac\u03c6\u03b7\u03ba\u03b5 \u03c4\u03bf\u03bd \u0391\u03c0\u03c1\u03af\u03bb\u03b9\u03bf 2025, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bf\u03b9 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 \u0395\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae\u03c2 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac +\u20ac0,4 \u03b4\u03b9\u03c3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03ad\u03ba\u03b8\u03b5\u03c3\u03b7 \u03c3\u03b5 \u03c7\u03c1\u03b5\u03cc\u03b3\u03c1\u03b1\u03c6\u03b1 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ae\u03c2 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03cd\u03c8\u03bf\u03c5\u03c2 \u20ac20,4 \u03b4\u03b9\u03c3. \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 (+\u20ac2,9 \u03b4\u03b9\u03c3. \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7) \u03c0\u03b1\u03c1\u03ad\u03c7\u03b5\u03b9 \u03b5\u03c0\u03b9\u03c0\u03bb\u03ad\u03bf\u03bd \u03c0\u03c1\u03bf\u03c3\u03c4\u03b1\u03c3\u03af\u03b1 \u03c3\u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03c9\u03bd \u03bc\u03b5\u03b9\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac \u03c4\u03b1\u03bc\u03b5\u03b9\u03b1\u03ba\u03ac \u03bc\u03b1\u03c2 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03bf\u03cd\u03bd \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03c3\u03c5\u03b3\u03ba\u03c1\u03b9\u03c4\u03b9\u03ba\u03cc \u03c0\u03bb\u03b5\u03bf\u03bd\u03ad\u03ba\u03c4\u03b7\u03bc\u03b1, \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03bf\u03c4\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03ad\u03bd\u03b1 \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03ac\u03ba\u03b9\u03bf \u03c7\u03c1\u03b5\u03bf\u03b3\u03c1\u03ac\u03c6\u03c9\u03bd \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ae\u03c2 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c5\u03c8\u03b7\u03bb\u03bf\u03cd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03bf\u03cd \u03c0\u03b5\u03c1\u03b9\u03b8\u03c9\u03c1\u03af\u03bf\u03c5<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u039c\u0395\u0391 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03b5 2,6% \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u039f\u03bc\u03af\u03bb\u03bf\u03c5, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03c5\u03c3\u03af\u03b1 \u03c1\u03bf\u03ce\u03bd \u039c\u0395\u0391 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03c1\u03ad\u03c0\u03b5\u03b9 \u03c4\u03b7\u03bd \u03bf\u03bc\u03b1\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\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 \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 \u03ba\u03ac\u03c4\u03c9 \u03c4\u03c9\u03bd 50 \u03bc.\u03b2. \u03c4\u03bf 2025, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b1\u03c2<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7\u03c2 \u039c\u0395\u0391 \u03ba\u03b1\u03b9 \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c4\u03bf\u03c5 \u03a3\u03c4\u03b1\u03b4\u03af\u03bf\u03c5 3 \u03b1\u03c0\u03cc \u03c3\u03c9\u03c1\u03b5\u03c5\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b1\u03bd \u03c3\u03b5 97% \u03ba\u03b1\u03b9 54%, \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1, \u03b1\u03bd\u03ac\u03bc\u03b5\u03c3\u03b1 \u03c3\u03c4\u03b1 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7, \u03c0\u03b1\u03c1\u03ad\u03c7\u03bf\u03bd\u03c4\u03b1\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c3\u03b5 \u03c0\u03b5\u03c1\u03b9\u03cc\u03b4\u03bf\u03c5\u03c2 \u03b1\u03b2\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2, \u03b1\u03bd\u03b1\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc&nbsp; \u0399\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2025\/05\/Screenshot-2025-05-08-at-5.35.39-PM.png\" alt=\"\" class=\"wp-image-784101\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c4\u03b7\u03bd \u0395\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ae \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae, \u03b7 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b5&nbsp; \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03c4\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2, \u03b5\u03b9\u03c3\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9\u03bd\u03bf\u03c4\u03cc\u03bc\u03b5\u03c2 \u03bb\u03cd\u03c3\u03b5\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03b1\u03c0\u03bf\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd \u03ad\u03c3\u03bf\u03b4\u03b1 \u03c3\u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1, \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd \u03bb\u03cd\u03c3\u03b5\u03c9\u03bd \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7\u03c2 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03c9\u03bd \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ce\u03bd \u03bb\u03cd\u03c3\u03b5\u03c9\u03bd, \u03b5\u03bd\u03ce \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03b5\u03b9 \u03c4\u03b7 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ba\u03ae \u03c4\u03b7\u03c2 \u03b4\u03bf\u03bc\u03ae \u03bc\u03b5 \u03c3\u03ba\u03bf\u03c0\u03cc \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03cd\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03ae \u03c4\u03b7\u03c2 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c4\u03bf\u03bc\u03b5\u03af\u03c2 \u03c4\u03c9\u03bd \u03b4\u03b9\u03b5\u03b8\u03bd\u03ce\u03bd \u03ba\u03bf\u03b9\u03bd\u03bf\u03c0\u03c1\u03b1\u03ba\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 \u03ad\u03c1\u03b3\u03c9\u03bd (project finance)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2013 \u03a3\u03c4\u03b7 \u039b\u03b9\u03b1\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae, \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03b5\u03b9 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03c4\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2 \u0399\u03b4\u03b9\u03c9\u03c4\u03ce\u03bd \u03c0\u03b5\u03bb\u03b1\u03c4\u03ce\u03bd, \u03bc\u03b5 \u03c3\u03c5\u03bc\u03b2\u03bf\u03cd\u03bb\u03bf\u03c5\u03c2 \u03c0\u03b5\u03bb\u03b1\u03c4\u03b5\u03af\u03b1\u03c2 \u03b3\u03b9\u03b1 I\u03b4\u03b9\u03ce\u03c4\u03b5\u03c2 \u03c5\u03c8\u03b7\u03bb\u03ae\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c4\u03b9\u03b8\u03ad\u03bc\u03b5\u03bd\u03b7\u03c2 \u03b1\u03be\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b7 \u03b4\u03b9\u03ac\u03b8\u03b5\u03c3\u03b7 \u03b5\u03bd\u03cc\u03c2 \u03bd\u03ad\u03bf\u03c5 \u03ba\u03b1\u03bd\u03b1\u03bb\u03b9\u03bf\u03cd \u03b1\u03c0\u03bf\u03bc\u03b1\u03ba\u03c1\u03c5\u03c3\u03bc\u03ad\u03bd\u03b7\u03c2 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03ad\u03c4\u03b7\u03c3\u03b7\u03c2, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1 \u03c4\u03b9\u03c2 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03af\u03b5\u03c2 Wealth Management \u03bc\u03b5 \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03bd\u03ad\u03c9\u03bd \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd. \u03a0\u03b1\u03b3\u03b9\u03ce\u03bd\u03b5\u03b9, \u03b5\u03c0\u03af\u03c3\u03b7\u03c2, \u03c4\u03b7\u03bd \u03b7\u03b3\u03b5\u03c4\u03b9\u03ba\u03ae \u03bc\u03c4\u03b7\u03c2 \u03b8\u03ad\u03c3\u03b7 \u03c3\u03c4\u03b7\u03bd \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ae \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae, \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03b5\u03bd\u03b5\u03c1\u03b3\u03bf\u03cd\u03c2, \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03c7\u03c1\u03ae\u03c3\u03c4\u03b5\u03c2 \u03c4\u03c9\u03bd \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ce\u03bd \u03ba\u03b1\u03bd\u03b1\u03bb\u03b9\u03ce\u03bd \u03bd\u03b1 \u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03c4\u03b1 3,1 \u03b5\u03ba\u03b1\u03c4. \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 (\u03bc\u03b5\u03c1\u03af\u03b4\u03b9\u03bf \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 Mobile Banking: 31%, Internet Banking: 25%), \u03b5\u03bd\u03ce \u03bf\u03b9 \u03c3\u03c9\u03c1\u03b5\u03c5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ad\u03c2 \u03c0\u03c9\u03bb\u03ae\u03c3\u03b5\u03b9\u03c2 \u03be\u03b5\u03c0\u03ad\u03c1\u03b1\u03c3\u03b1\u03bd \u03c4\u03b1 1,8 \u03b5\u03ba\u03b1\u03c4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03c4\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03bd\u03ad\u03b5\u03c2 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b5\u03c2 \u03b8\u03ad\u03c4\u03b5\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ad\u03c2 \u03b2\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03c3\u03b5 \u03b5\u03be\u03b5\u03b9\u03b4\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ad\u03c2, \u03bc\u03b5 \u03c0\u03bb\u03ad\u03bf\u03bd \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03b7 \u03c4\u03b7\u03bd \u03ad\u03bd\u03b1\u03c1\u03be\u03b7 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ae\u03c2 \u03bb\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03af\u03b1\u03c2 \u03c4\u03b7\u03c2 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ae\u03c2 \u03c0\u03bb\u03b1\u03c4\u03c6\u03cc\u03c1\u03bc\u03b1\u03c2 \u03b1\u03b3\u03bf\u03c1\u03b1\u03c0\u03c9\u03bb\u03b7\u03c3\u03af\u03b1\u03c2 &amp; \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7\u03c2 \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd UNIKO \u03c3\u03b5 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1 \u03bc\u03b5 \u03c4\u03b7\u03bd Qualco<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0394\u03b9\u03b1\u03bd\u03cd\u03b5\u03b9 \u03ae\u03b4\u03b7 \u03c4\u03bf \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03bf \u03ad\u03c4\u03bf\u03c2 \u03bc\u03b5\u03c4\u03ac\u03c0\u03c4\u03c9\u03c3\u03b7\u03c2 \u03c3\u03c4\u03bf \u03bd\u03ad\u03bf \u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1 \u0392\u03b1\u03c3\u03b9\u03ba\u03ce\u03bd \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ce\u03bd \u0395\u03c1\u03b3\u03b1\u03c3\u03b9\u03ce\u03bd (Core Banking System), \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 \u03c3\u03c5\u03c3\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7\u03c2 \u03c1\u03bf\u03ae\u03c2 \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03ce\u03bd (workflow platforms) \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03c0\u03c4\u03cd\u03c3\u03c3\u03bf\u03bd\u03c4\u03b1\u03c2 use cases \u03c4\u03b5\u03c7\u03bd\u03b7\u03c4\u03ae\u03c2 \u03bd\u03bf\u03b7\u03bc\u03bf\u03c3\u03cd\u03bd\u03b7\u03c2 GenA\u0399<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0391\u03bd\u03b1\u03c6\u03bf\u03c1\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c4\u03bf\u03bc\u03ad\u03b1 ESG, \u03b5\u03c3\u03c4\u03b9\u03ac\u03b6\u03b5\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03bf\u03c5 \u03bd\u03ad\u03bf\u03c5 \u03a0\u03bb\u03b1\u03b9\u03c3\u03af\u03bf\u03c5 \u0392\u03b9\u03ce\u03c3\u03b9\u03bc\u03b7\u03c2 \u03a7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 (SFF), \u03b5\u03c5\u03b8\u03c5\u03b3\u03c1\u03b1\u03bc\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03bf\u03c5 \u03bc\u03b5 \u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u03a4\u03b1\u03be\u03b9\u03bd\u03bf\u03bc\u03af\u03b1, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae\u03c2 \u03c4\u03b7\u03c2 \u0395\u03a4\u0395, \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03b7\u03c2 \u03bc\u03af\u03b1\u03c2 \u03c0\u03bb\u03b1\u03c4\u03c6\u03cc\u03c1\u03bc\u03b1\u03c2 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae\u03c2 \u03b5\u03ba\u03c0\u03b1\u03af\u03b4\u03b5\u03c5\u03c3\u03b7\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u03a3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1, \u03bf CEO \u03c4\u03b7\u03c2 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2, \u03a0\u03b1\u03cd\u03bb\u03bf\u03c2 \u039c\u03c5\u03bb\u03c9\u03bd\u03ac\u03c2 \u03b1\u03bd\u03ad\u03c6\u03b5\u03c1\u03b5:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201c\u0397 \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03b1 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1 \u03b4\u03b9\u03b1\u03bd\u03cd\u03b5\u03b9 \u03bc\u03b9\u03b1 \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7\u03c2 \u03b1\u03b2\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03bf\u03c6\u03b5\u03af\u03bb\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03ba\u03bb\u03b9\u03bc\u03b1\u03ba\u03bf\u03cd\u03bc\u03b5\u03bd\u03b5\u03c2 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ad\u03c2 \u03b5\u03bd\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2, \u03c4\u03bf\u03bd \u03b5\u03c0\u03af\u03bc\u03bf\u03bd\u03bf \u03c0\u03bb\u03b7\u03b8\u03c9\u03c1\u03b9\u03c3\u03bc\u03cc \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03b2\u03c1\u03b1\u03b4\u03cd\u03c4\u03b5\u03c1\u03bf \u03c1\u03c5\u03b8\u03bc\u03cc \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2, \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03c0\u03bf\u03c1\u03b5\u03af\u03b1 \u03c4\u03b7\u03c2 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae\u03c2 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c3\u03c4\u03b9\u03c2 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b5\u03c2 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03c5\u03b3\u03ba\u03c1\u03b1\u03c4\u03b7\u03bc\u03ad\u03bd\u03b5\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03b5 \u03b1\u03c5\u03c4\u03cc \u03c4\u03bf \u03b1\u03b2\u03ad\u03b2\u03b1\u03b9\u03bf \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03bf \u03c3\u03ba\u03b7\u03bd\u03b9\u03ba\u03cc, \u03b7 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b5\u03af \u03bd\u03b1 \u03b5\u03c0\u03b9\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03b5\u03b9 \u03b1\u03be\u03b9\u03bf\u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c4\u03b7 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1, \u03bc\u03b5 \u03c4\u03bf\u03bd \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf \u03c1\u03c5\u03b8\u03bc\u03cc \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b5\u03b3\u03b3\u03af\u03b6\u03b5\u03b9 \u03c4\u03bf ~2,5% \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c4\u03c1\u03ad\u03c7\u03bf\u03bd \u03ad\u03c4\u03bf\u03c2, \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03c0\u03b1\u03c3\u03c7\u03cc\u03bb\u03b7\u03c3\u03b7\u03c2, \u03c4\u03b7\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03bc\u03b9\u03c3\u03b8\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2 \u03c4\u03bf\u03c5\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2, \u03b5\u03bd\u03ce \u03b5\u03bc\u03c6\u03b1\u03bd\u03af\u03b6\u03b5\u03b9 \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03b9\u03c3\u03bc\u03ad\u03bd\u03b7 \u03ac\u03bc\u03b5\u03c3\u03b7 \u03ad\u03ba\u03b8\u03b5\u03c3\u03b7 \u03c3\u03c4\u03b9\u03c2 \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03b5\u03c2 \u03b1\u03bb\u03c5\u03c3\u03af\u03b4\u03b5\u03c2 \u03b5\u03c6\u03bf\u03b4\u03b9\u03b1\u03c3\u03bc\u03bf\u03cd \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03b4\u03b1\u03c3\u03bc\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c0\u03b9\u03b2\u03b1\u03c1\u03cd\u03bd\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u0397\u03a0\u0391 \u03c3\u03c4\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u0395\u0395 (\u03bf\u03b9 \u03b5\u03be\u03b1\u03b3\u03c9\u03b3\u03ad\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b9\u03c2 \u0397\u03a0\u0391 \u03b1\u03bd\u03c4\u03b9\u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b5\u03cd\u03bf\u03c5\u03bd \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc \u03c4\u03bf 5% \u03c4\u03c9\u03bd \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ce\u03bd \u03b5\u03be\u03b1\u03b3\u03c9\u03b3\u03ce\u03bd \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1\u03c2).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0395\u03c0\u03b9\u03c0\u03bb\u03ad\u03bf\u03bd, \u03b7 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae \u03c7\u03b1\u03bb\u03ac\u03c1\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bd\u03bf\u03bc\u03b9\u03c3\u03bc\u03b1\u03c4\u03b9\u03ba\u03ae\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b4\u03b7\u03bc\u03bf\u03c3\u03b9\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae\u03c2 \u03c0\u03bf\u03bb\u03b9\u03c4\u03b9\u03ba\u03ae\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c4\u03b9\u03bc\u03ce\u03bd \u03c4\u03bf\u03c5 \u03c0\u03b5\u03c4\u03c1\u03b5\u03bb\u03b1\u03af\u03bf\u03c5 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03c3\u03c4\u03b7\u03c1\u03af\u03be\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03c4\u03b7\u03bd \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1 \u2013\u03bf \u03ba\u03c5\u03c1\u03b9\u03cc\u03c4\u03b5\u03c1\u03bf\u03c2 \u03c9\u03c3\u03c4\u03cc\u03c3\u03bf \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03c5\u03c4\u03ad\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bf \u03b2\u03b1\u03b8\u03bc\u03cc\u03c2 \u03b5\u03c0\u03b9\u03b2\u03c1\u03ac\u03b4\u03c5\u03bd\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03c4\u03b7\u03c2 \u0395\u03c5\u03c1\u03c9\u03b6\u03ce\u03bd\u03b7\u03c2 \u03c0\u03bf\u03c5 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03cc \u03c4\u03b7\u03c2 \u03b5\u03c4\u03b1\u03af\u03c1\u03bf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0392\u03b1\u03c3\u03b9\u03b6\u03cc\u03bc\u03b5\u03bd\u03bf\u03b9 \u03c3\u03b5 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac \u03b8\u03b5\u03bc\u03ad\u03bb\u03b9\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf 2024 \u03ba\u03b1\u03b9 \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03b9\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03c0\u03c4\u03c5\u03be\u03b9\u03b1\u03ba\u03ae \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03c3\u03c5\u03bd\u03b1\u03ba\u03cc\u03bb\u03bf\u03c5\u03b8\u03b7 \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03bb\u03bf\u03b9\u03c0\u03ce\u03bd \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd, \u03c4\u03bf \u0391\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2025 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ae\u03c3\u03b1\u03bc\u03b5 \u03c4\u03b7\u03bd \u03c5\u03c8\u03b7\u03bb\u03ae \u03bc\u03b1\u03c2 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03bc\u03b1\u03c2 \u03b2\u03ac\u03c3\u03b7, \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03bb\u03cc\u03b3\u03c9 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03bc\u03b1\u03c2. \u03a4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03c6\u03cc\u03c1\u03bf\u03c5\u03c2 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u20ac0,41 \u03b4\u03b9\u03c3., \u03ae\u03c4\u03bf\u03b9 \u03c3\u03b5 \u20ac1,442 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae, \u03b5\u03bd\u03ce \u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03b5\u03bd\u03c3\u03ce\u03bc\u03b1\u03c4\u03c9\u03bd \u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03bf 16,5%<br>, \u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03c4\u03ac \u03c0\u03bf\u03bb\u03cd \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03cd\u03c8\u03bf\u03c5\u03c2 &gt;13% \u03c0\u03bf\u03c5 \u03ad\u03c7\u03bf\u03c5\u03bc\u03b5 \u03b8\u03ad\u03c3\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03ad\u03c4\u03bf\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac \u03bc\u03b1\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03b1\u03bd\u03c4\u03b1\u03bd\u03b1\u03ba\u03bb\u03bf\u03cd\u03bd \u03c4\u03b7\u03bd \u03c0\u03b5\u03b9\u03b8\u03b1\u03c1\u03c7\u03b7\u03bc\u03ad\u03bd\u03b7 \u03b5\u03ba\u03c4\u03ad\u03bb\u03b5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ce\u03bd \u03bc\u03b1\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd \u03bc\u03ad\u03c3\u03c9 \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03bf\u03c2 \u03bc\u03b5\u03c4\u03b1\u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03bf\u03cd \u03ba\u03b1\u03b9 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03bc\u03b1\u03c2 \u03b8\u03ad\u03c3\u03b7 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b8\u03b7\u03ba\u03b5 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9, \u03c3\u03c5\u03bc\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ad\u03c4\u03c3\u03b9 \u03c3\u03c4\u03b7 \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae\u03c2 \u03bc\u03b1\u03c2 \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1\u03c2. \u039f \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 CET1 \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\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b1\u03bd \u03ba\u03b1\u03c4\u03ac ~40 \u03bc.\u03b2. \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03c1\u03c7\u03ae \u03c4\u03bf\u03c5 \u03ad\u03c4\u03bf\u03c5\u03c2 \u03c3\u03b5 18,7% \u03ba\u03b1\u03b9 21,5%, \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1, \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 \u03c0\u03bf\u03bb\u03cd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c4\u03c9\u03bd \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03ce\u03bd \u03bc\u03b1\u03c2 \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd, \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7 \u03b3\u03b9\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03c3\u03b5 60%, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03bf \u03c1\u03c5\u03b8\u03bc\u03cc \u03b1\u03c0\u03cc\u03c3\u03b2\u03b5\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u0391\u03bd\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03a6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ce\u03bd \u03a0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd (DTC).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039c\u03ad\u03c3\u03b1 \u03c3\u03b5 \u03ad\u03bd\u03b1 \u03b1\u03b2\u03ad\u03b2\u03b1\u03b9\u03bf \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03bf \u03c0\u03b5\u03c1\u03b9\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd, \u03b7 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03ba\u03b1\u03c4\u03b1\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b5\u03c5\u03c1\u03c9\u03c3\u03c4\u03af\u03b1, \u03c4\u03b7\u03bd \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03c4\u03b7\u03c2 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5. \u039f\u03b9 \u03c3\u03c5\u03bd\u03b5\u03c7\u03b5\u03af\u03c2 \u03b5\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b1\u03c2 \u03c3\u03b5 \u03c4\u03b5\u03c7\u03bd\u03bf\u03bb\u03bf\u03b3\u03af\u03b1, \u03b9\u03b4\u03af\u03c9\u03c2 \u03c3\u03c4\u03b7\u03bd \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03ae \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03b7 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03ae\u03bb\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03c9\u03bd \u03bc\u03b1\u03c2, \u03ad\u03c7\u03bf\u03c5\u03bd \u03c3\u03c5\u03bc\u03b2\u03ac\u03bb\u03b5\u03b9 \u03ba\u03b1\u03b8\u03bf\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03c3\u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03c4\u03b5\u03c5\u03be\u03b7 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ae\u03c3\u03b9\u03bc\u03c9\u03bd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd, \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b5\u03bc\u03c0\u03b5\u03b9\u03c1\u03af\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03bf\u03c5\u03bc\u03b5 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03bc\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03bf\u03b9\u03ba\u03bf\u03b4\u03cc\u03bc\u03b7\u03c3\u03b7 \u03b5\u03bd\u03cc\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03bf\u03cd \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03c3\u03bc\u03bf\u03cd, \u03ad\u03c4\u03bf\u03b9\u03bc\u03bf\u03c5 \u03bd\u03b1 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