{"id":117726,"date":"2025-05-12T12:13:46","date_gmt":"2025-05-12T09:13:46","guid":{"rendered":"https:\/\/banknews.gr\/?p=117726"},"modified":"2025-05-12T12:13:54","modified_gmt":"2025-05-12T09:13:54","slug":"%ce%b1%ce%bd%ce%b5%ce%b2%ce%ac%ce%b6%ce%b5%ce%b9-%cf%84%ce%bf%ce%bd-%cf%80%ce%ae%cf%87%cf%85-%ce%b3%ce%b9%ce%b1-%cf%84%ce%b9%cf%82-%ce%b5%ce%bb%ce%bb%ce%b7%ce%bd%ce%b9%ce%ba%ce%ad%cf%82-%cf%84%cf%81","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=117726","title":{"rendered":"\u0391\u03bd\u03b5\u03b2\u03ac\u03b6\u03b5\u03b9 \u03c4\u03bf\u03bd \u03c0\u03ae\u03c7\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b7 UBS &#8211; \u039f\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u039c\u03b5 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b1 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1,<\/strong> \u03bf\u03b9 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ad\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03bf\u03c5 \u03a7\u0391 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b1<strong>\u03c0\u03bf\u03c4\u03b5\u03bb\u03bf\u03cd\u03bd \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03cc story<\/strong> \u03b3\u03b9\u03b1 \u03c4\u03bf 2025 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b7 UBS \u03ba\u03b1\u03b9 <strong>\u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2 Eurobank, \u03c4\u03b7\u03c2 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 Alpha Bank, \u03b5\u03bd\u03ce \u03b5\u03af\u03c7\u03b5 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9 \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u039f\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2-\u03c3\u03c4\u03cc\u03c7\u03bf\u03b9&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Alpha Bank: \u20ac3,00 (\u03b1\u03c0\u03cc \u20ac2,68)<\/strong><\/li>\n\n\n\n<li><strong>\u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1: \u20ac12,20 (\u03b1\u03c0\u03cc \u20ac11,60)<\/strong><\/li>\n\n\n\n<li><strong>Eurobank: \u20ac3,30 (\u03b1\u03c0\u03cc \u20ac3,20)<\/strong><\/li>\n\n\n\n<li><strong>\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2: \u20ac6,70 (\u03b1\u03c0\u03cc \u20ac6,30)<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03bf \u03c3\u03c5\u03bc\u03c0\u03ad\u03c1\u03b1\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 UBS \u03b5\u03af\u03bd\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03c0\u03b1\u03c1\u03ac \u03c4\u03b9\u03c2 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ad\u03c2 \u03ba\u03ac\u03b8\u03b5 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2,<strong> \u03ba\u03bf\u03b9\u03bd\u03cc\u03c2 \u03c0\u03b1\u03c1\u03bf\u03bd\u03bf\u03bc\u03b1\u03c3\u03c4\u03ae\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03b2\u03ac\u03c3\u03b7, \u03b7 \u03c0\u03b5\u03b9\u03b8\u03b1\u03c1\u03c7\u03b7\u03bc\u03ad\u03bd\u03b7 \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03bf\u03b9 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c9\u03bc\u03ad\u03bd\u03b5\u03c2 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ce\u03bd.<\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Alpha Bank&nbsp;<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0397 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 \u20ac3,00 (+12%), \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ae (0,7 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03b7 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1, P\/E 4,9 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2027) \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c3\u03bf\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03bf ROTE \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 12%.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 Alpha Bank \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c3\u03b5 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03ad\u03c1\u03b2\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03c3\u03c4\u03bf \u03b1\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf, \u03bc\u03b5 \u03c4\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03bd\u03b1 \u03be\u03b5\u03c0\u03b5\u03c1\u03bd\u03bf\u03cd\u03bd \u03c4\u03b7 \u03c3\u03c5\u03bd\u03b1\u03af\u03bd\u03b5\u03c3\u03b7 \u03ba\u03b1\u03c4\u03ac 24%. \u039f\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b3\u03b9\u03b1 \u03c4\u03bf 2025 \u03ba\u03b1\u03c4\u03ac 4%, \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c3\u03c4\u03b1\u03b4\u03b9\u03b1\u03ba\u03ac \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 \u03c4\u03b7\u03c2 AstroBank \u03c3\u03c4\u03b7\u03bd \u039a\u03cd\u03c0\u03c1\u03bf \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 Axia \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 Alpha \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af \u03ad\u03bd\u03b1 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03bf\u03c0\u03bf\u03b9\u03b7\u03bc\u03ad\u03bd\u03bf \u03c0\u03c1\u03bf\u03c6\u03af\u03bb \u03bc\u03b5 \u03ad\u03bd\u03c4\u03bf\u03bd\u03b7 \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03c3\u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 (\u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 13% CAGR 2024-2027), \u03c3\u03b5 \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf \u03b2\u03b1\u03b8\u03bc\u03cc \u03bb\u03cc\u03b3\u03c9 \u03c4\u03b7\u03c2 \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7\u03c2 \u03c7\u03c1\u03ae\u03c3\u03b7\u03c2 share buybacks (75% \u03c4\u03bf\u03c5 payout \u03b3\u03b9\u03b1 \u03c4\u03bf 2024). \u0395\u03be\u03b1\u03b9\u03c1\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 buybacks, \u03b7 \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf 8,5%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03cc\u03c1\u03b5\u03c2 (EPS accretive), \u03bf\u03b4\u03b7\u03b3\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b5 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b8\u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2027. \u0397 CET1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae (\u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 16%), \u03b1\u03c6\u03ae\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03b3\u03b9\u03b1 \u03c3\u03c5\u03bd\u03ad\u03c7\u03b9\u03c3\u03b7 \u03c5\u03c8\u03b7\u03bb\u03ce\u03bd \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ce\u03bd (52% \u03b3\u03b9\u03b1 \u03c4\u03bf 2026, 55% \u03b3\u03b9\u03b1 \u03c4\u03bf 2027).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 \u20ac3,00 (+12%), \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ae (0,7 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03b7 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1, P\/E 4,9 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2027) \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c3\u03bf\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03bf ROTE \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 12%.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0395urobank<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0397 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b5\u03bb\u03b1\u03c6\u03c1\u03ce\u03c2 \u03c3\u03c4\u03b1 \u20ac3,30 (\u03b1\u03c0\u03cc \u20ac3,20), \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ae \u03c3\u03c4\u03b9\u03c2 0,9 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03c4\u03b7 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1, P\/E 6,4 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 8%.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03c5\u03c0\u03bf\u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae\u03c2 \u03c6\u03ad\u03c4\u03bf\u03c2, \u03b7 Eurobank \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ae \u03b5\u03c5\u03ba\u03b1\u03b9\u03c1\u03af\u03b1, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03bd\u03ad\u03b1 \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7, \u03bb\u03cc\u03b3\u03c9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ce\u03bd \u03b8\u03b5\u03bc\u03b5\u03bb\u03b9\u03c9\u03b4\u03ce\u03bd \u03bc\u03b5\u03b3\u03b5\u03b8\u03ce\u03bd \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ce\u03bd \u03c0\u03b5\u03c1\u03b9\u03c6\u03b5\u03c1\u03b5\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7\u03c2. \u0397 \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ac \u03c4\u03b7\u03c2 Hellenic Bank \u03c3\u03c4\u03b7\u03bd \u039a\u03cd\u03c0\u03c1\u03bf \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b5 \u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1 \u03ba\u03b1\u03b9 \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b5 \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03bd \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf, \u03bf\u03b4\u03b7\u03b3\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b5 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b7 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd (ROTE) 16,2% \u03ba\u03b1\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 CET1 15,2%. \u039f\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2025 \u03ba\u03b1\u03c4\u03ac 4%, \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c5\u03c0\u03cc\u03c8\u03b7 \u03c4\u03b7\u03bd \u03c0\u03bb\u03ae\u03c1\u03b7 \u03b5\u03bd\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03ba\u03c5\u03c0\u03c1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b8\u03c5\u03b3\u03b1\u03c4\u03c1\u03b9\u03ba\u03ae\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03c3\u03c5\u03bc\u03b2\u03bf\u03bb\u03ae \u03c4\u03c9\u03bd \u03b4\u03b9\u03b5\u03b8\u03bd\u03ce\u03bd \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c0\u03bb\u03ad\u03bf\u03bd \u03b1\u03bd\u03c4\u03b9\u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b5\u03cd\u03bf\u03c5\u03bd \u03c4\u03bf 53% \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03c4\u03bf\u03c5 \u03bf\u03bc\u03af\u03bb\u03bf\u03c5 \u03bc\u03b5 42% \u03c4\u03bf\u03c5 \u03b5\u03bd\u03b5\u03c1\u03b3\u03b7\u03c4\u03b9\u03ba\u03bf\u03cd. \u0397 Hellenic Bank \u03b4\u03b9\u03b1\u03b8\u03ad\u03c4\u03b5\u03b9 \u03c5\u03c8\u03b7\u03bb\u03cc \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03cc \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 (CET1 32,4%) \u03ba\u03b1\u03b9 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 (LCR 493%), \u03b5\u03bd\u03ce \u03b7 \u0392\u03bf\u03c5\u03bb\u03b3\u03b1\u03c1\u03af\u03b1 \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c3\u03b5 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u20ac55 \u03b5\u03ba\u03b1\u03c4. (+14% \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03bc\u03b5\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae). \u0397 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03c3\u03c5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03cd\u03c8\u03bf\u03c5\u03c2 \u20ac120 \u03b5\u03ba\u03b1\u03c4. \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2, \u03b5\u03ba \u03c4\u03c9\u03bd \u03bf\u03c0\u03bf\u03af\u03c9\u03bd \u03c4\u03bf 40% \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c4\u03c5\u03c0\u03c9\u03b8\u03b5\u03af \u03b5\u03bd\u03c4\u03cc\u03c2 \u03c4\u03bf\u03c5 2025.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03c0\u03c4\u03ce\u03c3\u03b7 \u03c4\u03bf\u03c5 CET1 \u03b1\u03c0\u03cc \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 17% \u03c3\u03b5 15,2%, \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03ad\u03bb\u03b8\u03b5\u03b9 \u03c3\u03b5 15,8% \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 \u03ad\u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5 \u03b5\u03bd\u03c3\u03c9\u03bc\u03ac\u03c4\u03c9\u03c3\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b1 \u03bf\u03c6\u03ad\u03bb\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 RWA. \u0397 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03c3\u03c4\u03bf\u03c7\u03b5\u03cd\u03b5\u03b9 \u03c3\u03b5 \u03b5\u03c0\u03b9\u03c0\u03bb\u03ad\u03bf\u03bd \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2, \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03c3\u03b5 \u0392\u03bf\u03c5\u03bb\u03b3\u03b1\u03c1\u03af\u03b1 \u03ba\u03b1\u03b9 \u039b\u03bf\u03c5\u03be\u03b5\u03bc\u03b2\u03bf\u03cd\u03c1\u03b3\u03bf, \u03b5\u03bd\u03ce \u03b5\u03ba\u03c4\u03b9\u03bc\u03ac\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 \u03b8\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03b5\u03af \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 (52% \u03b3\u03b9\u03b1 \u03c4\u03bf 2025, 55% \u03b1\u03c0\u03cc \u03c4\u03bf 2026 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c4\u03ac).<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1&nbsp;<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u0397 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 \u20ac12,20 (+5%), \u03bc\u03b5 \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c3\u03b5 1 \u03c6\u03bf\u03c1\u03ac \u03c4\u03b7 \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03af\u03b1 \u03ba\u03b1\u03b9 \u03bc\u03b5\u03c3\u03bf\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03bf ROTE \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 18%. \u0397 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03bc\u03ad\u03c4\u03bf\u03c7\u03bf (\u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1 + buybacks) \u03b1\u03bd\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 8%.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03be\u03b5\u03ba\u03af\u03bd\u03b7\u03c3\u03b5 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ac \u03c4\u03b7 \u03c7\u03c1\u03ae\u03c3\u03b7 \u03bc\u03b5 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c3\u03c4\u03bf \u03c0\u03c1\u03ce\u03c4\u03bf \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf, \u03b5\u03c0\u03b9\u03c4\u03c5\u03b3\u03c7\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 ROTE 19,1% (16,5% \u03b5\u03be\u03bf\u03bc\u03b1\u03bb\u03c5\u03bc\u03ad\u03bd\u03bf), \u03bc\u03b5 CET1 \u03c3\u03c4\u03bf 18,7% \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7 \u03b3\u03b9\u03b1 payout 60%. \u039f\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 2025 \u03ba\u03b1\u03c4\u03ac 2,7%, \u03c3\u03c4\u03b1 \u20ac1,37 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (\u03c3\u03b5 \u03c3\u03cd\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b7\u03c2 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u20ac1,30).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u0395\u03a4\u0395 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03c5\u03c0\u03b5\u03c1\u03ba\u03ac\u03bb\u03c5\u03c8\u03b7 \u03bc\u03b5 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03cc \u03c3\u03c4\u03cc\u03c7\u03bf CET1 \u03c3\u03c4\u03bf 14% (\u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03c3\u03c4\u03bf 13% \u03bc\u03b5 \u03bc\u03b5\u03bb\u03bb\u03bf\u03bd\u03c4\u03b9\u03ba\u03ae \u03ad\u03ba\u03b4\u03bf\u03c3\u03b7 AT1). \u03a0\u03b1\u03c1\u03ac \u03c4\u03b9\u03c2 \u03c0\u03b9\u03b8\u03b1\u03bd\u03ad\u03c2 \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2, \u03b7 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b8\u03ad\u03c3\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03b1\u03c6\u03ae\u03bd\u03b5\u03b9 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03b3\u03b9\u03b1 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ad\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03bf \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03cc \u03b5\u03b9\u03c3\u03cc\u03b4\u03b7\u03bc\u03b1 (\u039d\u0399\u0399) \u03b1\u03ba\u03bf\u03bb\u03bf\u03cd\u03b8\u03b7\u03c3\u03b5 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c0\u03bf\u03c1\u03b5\u03af\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03bc\u03b5\u03bd\u03bf (-4,6% \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1), \u03b5\u03bd\u03ce \u03c4\u03bf NIM \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03bf 2,91% \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03b5\u03af\u03bd\u03b5\u03b9 \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc 2,80% \u03b3\u03b9\u03b1 \u03c4\u03bf 2025. \u0397 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03b5\u03c0\u03b1\u03bd\u03ad\u03bb\u03b1\u03b2\u03b5 \u03c4\u03b7\u03bd \u03ba\u03b1\u03b8\u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03b4\u03b1\u03bd\u03b5\u03b9\u03b1\u03ba\u03bf\u03cd \u03c7\u03b1\u03c1\u03c4\u03bf\u03c6\u03c5\u03bb\u03b1\u03ba\u03af\u03bf\u03c5 \u03ba\u03b1\u03c4\u03ac \u20ac2,5 \u03b4\u03b9\u03c3. \u03c6\u03ad\u03c4\u03bf\u03c2<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2&nbsp;<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u03a3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u00ab\u03b1\u03b3\u03bf\u03c1\u03ac\u00bb \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03bc\u03b5 \u03bd\u03ad\u03b1 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 \u20ac6,70 \u03b1\u03c0\u03cc \u20ac6,30. \u0397 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b1\u03c5\u03be\u03ae\u03b8\u03b7\u03ba\u03b5 \u03ba\u03b1\u03c4\u03ac 6%, \u03c3\u03c4\u03b1 \u20ac6,70 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (\u03b1\u03c0\u03cc \u20ac6,30), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bf \u03bf\u03af\u03ba\u03bf\u03c2 \u03b1\u03bd\u03b5\u03b2\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 ROTE \u03c3\u03c4\u03bf 16% (\u03b1\u03c0\u03cc 15%), \u03bc\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 CET1 \u03c3\u03c4\u03bf 13% \u03ba\u03b1\u03b9 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03b1\u03bc\u03b5\u03c4\u03ac\u03b2\u03bb\u03b7\u03c4\u03bf \u03c3\u03c4\u03bf 15%. \u0397 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 P\/E 6,0 \u03c6\u03bf\u03c1\u03ad\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf 2025, \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03c0\u03bf\u03c5 \u03b8\u03b5\u03c9\u03c1\u03b5\u03af\u03c4\u03b1\u03b9 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03cc \u03c3\u03c5\u03b3\u03ba\u03c1\u03b9\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u039c\u03b5 \u03ad\u03bd\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03ba\u03b1\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03be\u03b5\u03ba\u03af\u03bd\u03b7\u03bc\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c0\u03c1\u03ce\u03c4\u03bf \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf \u03c4\u03bf\u03c5 2025, \u03b7 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c0\u03bf\u03c1\u03b5\u03af\u03b1 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b7\u03bd \u03c5\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03c4\u03b7\u03c2 \u03c3\u03c7\u03b5\u03b4\u03af\u03bf\u03c5, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03bf\u03b4\u03b7\u03b3\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b5 \u03b5\u03bb\u03b1\u03c6\u03c1\u03ac \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ba\u03ad\u03c1\u03b4\u03b7 \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (EPS). \u03a4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ba\u03ad\u03c1\u03b4\u03b7 \u03c4\u03bf\u03c5 \u03c0\u03c1\u03ce\u03c4\u03bf\u03c5 \u03c4\u03c1\u03b9\u03bc\u03ae\u03bd\u03bf\u03c5 \u03b1\u03bd\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u20ac271 \u03b5\u03ba\u03b1\u03c4., \u03b5\u03c5\u03b8\u03c5\u03b3\u03c1\u03b1\u03bc\u03bc\u03b9\u03c3\u03bc\u03ad\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7 \u03bc\u03ad\u03c3\u03b7 \u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ac\u03c2. \u03a9\u03c3\u03c4\u03cc\u03c3\u03bf, \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 10% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7, \u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c4\u03b1 \u03c5\u03c0\u03cc \u03b4\u03b9\u03b1\u03c7\u03b5\u03af\u03c1\u03b9\u03c3\u03b7 \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03b1 (AUM) \u03ad\u03c0\u03b9\u03b1\u03c3\u03b1\u03bd \u03ae\u03b4\u03b7 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03bf\u03c5 \u03ad\u03c4\u03bf\u03c5\u03c2. \u0397 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b5 \u03c4\u03b7\u03bd \u03ba\u03b1\u03b8\u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03c0\u03c1\u03bf\u03bc\u03b7\u03b8\u03b5\u03b9\u03ce\u03bd \u03c3\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u20ac650 \u03b5\u03ba\u03b1\u03c4., \u03b1\u03c0\u03cc \u20ac600 \u03b5\u03ba\u03b1\u03c4. \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2\u00bb, \u03b5\u03be\u03b7\u03b3\u03b5\u03af \u03b7 UBS.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c7\u03bf\u03c1\u03b7\u03b3\u03ae\u03c3\u03b5\u03c9\u03bd \u03c0\u03c1\u03bf\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ad\u03c6\u03c4\u03b1\u03c3\u03b5 \u03c4\u03bf 4,5% \u03c3\u03b5 \u03c4\u03c1\u03b9\u03bc\u03b7\u03bd\u03b9\u03b1\u03af\u03b1 \u03b2\u03ac\u03c3\u03b7 (21,7% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1), \u03bc\u03b5 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03bc\u03ad\u03c1\u03bf\u03c2 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03bb\u03af\u03b3\u03b5\u03c2 \u03bc\u03b5\u03b3\u03ac\u03bb\u03b5\u03c2 \u03c3\u03c5\u03bc\u03c6\u03c9\u03bd\u03af\u03b5\u03c2, \u03b1\u03bb\u03bb\u03ac \u03bc\u03b5 \u03b5\u03c5\u03c1\u03b5\u03af\u03b1 \u03b4\u03b9\u03b1\u03c3\u03c0\u03bf\u03c1\u03ac \u03b1\u03bd\u03ac \u03ba\u03bb\u03ac\u03b4\u03bf. \u039f \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ae\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bd\u03ae\u03bc\u03b5\u03c1\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03c4\u03ac 9% \u03c3\u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03bf\u03c5 2025, \u03c5\u03c0\u03b5\u03c1\u03b2\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03bc\u03bf \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b7\u03c2 \u03b4\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7\u03c2. \u03a4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 (COR) \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03b8\u03b7\u03ba\u03b5 \u03c3\u03c4\u03bf \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc 0,35% (35 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 \u03b2\u03ac\u03c3\u03b7\u03c2), \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf, \u03c4\u03cc\u03c3\u03bf \u03c4\u03b7\u03c2 \u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c8\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03bf\u03af\u03ba\u03bf\u03c5 (40 \u03bc.\u03b2.), \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03b5\u03c0\u03af\u03c3\u03b7\u03bc\u03b7\u03c2 \u03ba\u03b1\u03b8\u03bf\u03b4\u03ae\u03b3\u03b7\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03ad\u03c4\u03bf\u03c2 (0,50%).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u039c\u03b5 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03c0\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b1 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1, \u03bf\u03b9 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ad\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03bf\u03c5 \u03a7\u0391 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03bf\u03cd\u03bd \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03cc story \u03b3\u03b9\u03b1 \u03c4\u03bf 2025 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b7 UBS \u03ba\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03b6\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2 Eurobank, \u03c4\u03b7\u03c2 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 Alpha Bank, \u03b5\u03bd\u03ce \u03b5\u03af\u03c7\u03b5 \u03b1\u03bd\u03b1\u03b2\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9 \u03bd\u03c9\u03c1\u03af\u03c4\u03b5\u03c1\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2. \u039f\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2-\u03c3\u03c4\u03cc\u03c7\u03bf\u03b9&nbsp; [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":117727,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[12],"class_list":["post-117726","post","type-post","status-publish","format-standard","has-post-thumbnail","category-3","tag-top"],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/117726","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=117726"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/117726\/revisions"}],"predecessor-version":[{"id":117728,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/117726\/revisions\/117728"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/117727"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=117726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=117726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=117726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}