{"id":119175,"date":"2025-08-01T21:12:07","date_gmt":"2025-08-01T18:12:07","guid":{"rendered":"https:\/\/banknews.gr\/?p=119175"},"modified":"2025-08-01T21:12:08","modified_gmt":"2025-08-01T18:12:08","slug":"alpha-bank-%ce%b3%ce%b9%ce%b1-stress-test-%ce%bf%ce%b9-%ce%b9%cf%83%cf%87%cf%85%cf%81%ce%ad%cf%82-%ce%b5%cf%80%ce%b9%ce%b4%cf%8c%cf%83%ce%b5%ce%b9%cf%82-%ce%b5%cf%80%ce%b9%ce%b2%ce%b5%ce%b2%ce%b1","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=119175","title":{"rendered":"Alpha Bank \u03b3\u03b9\u03b1 stress test: \u039f\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ad\u03c2 \u03b5\u03c0\u03b9\u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03cc \u03bc\u03b5\u03c4\u03b1\u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>\u03a4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03b7\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03c5\u03bb\u03bf\u03c0\u03bf\u03b9\u03b5\u03af \u03b7 \u0394\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 Alpha Bank \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03bf\u03c5 \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03c4\u03b7\u03c2<\/strong>, \u03b1\u03ba\u03cc\u03bc\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ae \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ac \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1, <strong>\u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03bf\u03c5\u03bd \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03a0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae\u03c2 \u0386\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03a0\u03c1\u03bf\u03c3\u03bf\u03bc\u03bf\u03af\u03c9\u03c3\u03b7\u03c2 \u0391\u03ba\u03c1\u03b1\u03af\u03c9\u03bd \u039a\u03b1\u03c4\u03b1\u03c3\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd 2025 (EU-wide 2025 Stress Test) <\/strong>\u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03c4\u03cc\u03bd\u03b9\u03c3\u03b5 \u03b7 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u0391\u03c1\u03c7\u03ae \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c3\u03b5 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1 \u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u039a\u03b5\u03bd\u03c4\u03c1\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1,<strong> \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 Stress Test \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03bf\u03c5\u03bd \u03c4\u03bf \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03c0\u03c1\u03bf\u03c6\u03af\u03bb \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03c4\u03b7\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2, \u03b7 Alpha Bank \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03c3\u03b5 \u03c0\u03bf\u03bb\u03cd \u03ba\u03b1\u03bb\u03ae \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7,<\/strong> \u03bc\u03b5 \u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 (capital depletion) \u03bd\u03b1 \u03ba\u03b1\u03c4\u03b1\u03b3\u03c1\u03ac\u03c6\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c7\u03b1\u03bc\u03b7\u03bb\u03ac \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1 &nbsp;\u03ba\u03ac\u03c4\u03c9 \u03c4\u03bf\u03c5&nbsp; 2% (1,97%) \u03c3\u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2, \u03c5\u03c0\u03cc \u03c4\u03bf \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf. \u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03cc\u03c4\u03b9 \u03b1\u03c5\u03c4\u03ae \u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03ae\u03c4\u03b1\u03bd \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03bc\u03b9\u03ba\u03c1\u03cc\u03c4\u03b5\u03c1\u03b7, \u03c4\u03cc\u03c3\u03bf \u03c3\u03b5 \u03c3\u03cd\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03bc\u03ad\u03c3\u03bf\u03c5 \u03cc\u03c1\u03bf\u03c5 \u03c4\u03b7\u03c2 \u0395\u0395 (\u03ae\u03c4\u03bf\u03b9 3%) \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03cd\u03bc\u03b5\u03bd\u03b7\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 2023 (\u03ae\u03c4\u03bf\u03b9 3,1%). \u03a3\u03b5 \u03cc\u03bb\u03b1 \u03c4\u03b1 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1 (\u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03ba\u03b1\u03b9 \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2), \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b5\u03c0\u03af\u03b4\u03bf\u03c3\u03b7 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03cc \u03bc\u03ad\u03c3\u03bf \u03cc\u03c1\u03bf. \u03a4\u03bf \u03af\u03b4\u03b9\u03bf \u03b9\u03c3\u03c7\u03cd\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c0\u03bb\u03ae\u03c1\u03bf\u03c5\u03c2 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae\u03c2 \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03c4\u03ac\u03be\u03b5\u03c9\u03bd \u03c4\u03bf\u03c5 \u03bd\u03ad\u03bf\u03c5 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03c3\u03bc\u03bf\u03cd \u03c4\u03b7\u03c2 CRR (CRR 3).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03bf\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03bc\u03b5 \u03c0\u03bb\u03ae\u03c1\u03b7 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03c4\u03ac\u03be\u03b5\u03c9\u03bd \u03c5\u03c0\u03cc \u03c4\u03bf \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf \u03c3\u03b5 \u03bf\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2 (\u0394\u03b5\u03ba\u03ad\u03bc\u03b2\u03c1\u03b9\u03bf\u03c2 2027) \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 18,3% \u03bf CET1, \u03c3\u03b5 20,5% \u03bf Tier I \u03ba\u03b1\u03b9 \u03c3\u03b5 23,6% \u03bf \u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03cc\u03c2. \u0391\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1, \u03c5\u03c0\u03cc \u03c4\u03bf \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf, \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 13,9% \u03bf CET1, \u03c3\u03b5 16,1% \u03bf Tier I \u03ba\u03b1\u03b9 \u03c3\u03b5 19,2% \u03bf \u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03cc\u03c2. \u03a3\u03b5 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03b7 \u03b2\u03ac\u03c3\u03b7 (pro-forma), \u03c7\u03c9\u03c1\u03af\u03c2 \u03c4\u03b9\u03c2 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2, \u03bf\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 CET1, Tier I \u03ba\u03b1\u03b9 \u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03bf\u03cd \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5, \u03c5\u03c0\u03cc \u03c4\u03bf \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf, \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u0394\u03b5\u03ba\u03ad\u03bc\u03b2\u03c1\u03b9\u03bf \u03c4\u03bf\u03c5 2027 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 1%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03b1&nbsp;\u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1&nbsp;\u03c4\u03bf\u03c5&nbsp;Stress&nbsp;Test&nbsp;<strong>\u03ba\u03b1\u03c4\u03b1\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03bf\u03c5\u03bd<\/strong><strong>\u03b5\u03c0\u03af\u03c3\u03b7\u03c2<\/strong><strong>\u03c4\u03bf\u03bd<\/strong><strong>\u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03b7\u03bc\u03ad\u03bd\u03bf <\/strong><strong>\u03bc\u03b5\u03c4\u03b1\u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc<\/strong><strong>\u03c4\u03b7\u03c2<\/strong><strong>\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03bf\u03c0\u03bf\u03b9\u03ae\u03b8\u03b7\u03ba\u03b5 \u03c4\u03b1 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1<\/strong>, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c4\u03b7\u03bd \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 \u03c3\u03b5 \u03b1\u03bd\u03c4\u03af\u03be\u03bf\u03b5\u03c2 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bd\u03b8\u03ae\u03ba\u03b5\u03c2. \u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1, \u03ba\u03b1\u03b8\u03af\u03c3\u03c4\u03b1\u03c4\u03b1\u03b9 \u03b5\u03bc\u03c6\u03b1\u03bd\u03ad\u03c2 \u03cc\u03c4\u03b9 \u03b7 Alpha Bank \u03ad\u03c7\u03b5\u03b9 <strong>\u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03c3\u03b5\u03b9<\/strong><strong>\u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c4\u03b7\u03bd<\/strong><strong>\u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ae<\/strong><strong>\u03c4\u03b7\u03c2<\/strong><strong>\u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1,<\/strong><strong>\u03b3\u03b5\u03b3\u03bf\u03bd\u03cc\u03c2<\/strong><strong>\u03c0\u03bf\u03c5<\/strong><strong>\u03b1\u03bd\u03c4\u03b9\u03ba\u03b1\u03c4\u03bf\u03c0\u03c4\u03c1\u03af\u03b6\u03b5\u03b9<\/strong><strong>\u03c4\u03b7\u03bd<\/strong><strong>\u03b9\u03c3\u03c7\u03c5\u03c1\u03ae<\/strong><strong>\u03b4\u03bf\u03bc\u03ae<\/strong><strong>\u03c4\u03bf\u03c5 <\/strong><strong>\u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd<\/strong><strong>\u03ba\u03b1\u03b9<\/strong><strong>\u03c4\u03b7\u03bd \u03c7\u03b1\u03bc\u03b7\u03bb\u03ae \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c3\u03c4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03ad\u03c2 \u03bc\u03b5\u03c4\u03b1\u03b2\u03bf\u03bb\u03ad\u03c2, \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ad\u03c4\u03c3\u03b9 \u03c4\u03b7 \u03c3\u03c5\u03bd\u03b5\u03c0\u03ae \u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf\u03c7\u03b5\u03c5\u03bc\u03ad\u03bd\u03b7 \u03c5\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03bf\u03cd \u03c4\u03b7\u03c2 \u03c0\u03bb\u03ac\u03bd\u03bf\u03c5.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03bf Stress Test, \u03c4\u03bf \u03bf\u03c0\u03bf\u03af\u03bf \u03b2\u03b1\u03c3\u03af\u03c3\u03c4\u03b7\u03ba\u03b5 \u03c3\u03c4\u03b7\u03bd \u03c5\u03c0\u03cc\u03b8\u03b5\u03c3\u03b7 \u00ab\u03c3\u03c4\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd\u00bb, \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b5 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c5\u03c0\u03cc \u03ad\u03bd\u03b1 \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03ba\u03b1\u03b9 \u03ad\u03bd\u03b1 \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf \u03c3\u03b5 \u03bf\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2 (2025-2027). \u0393\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03b1\u03c5\u03c4\u03ae \u03b4\u03b5\u03bd \u03b5\u03c6\u03b1\u03c1\u03bc\u03cc\u03b6\u03b5\u03c4\u03b1\u03b9 \u03ba\u03b1\u03bd\u03ad\u03bd\u03b1 \u03b5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03bf \u03cc\u03c1\u03b9\u03bf (hurdle rate) \u03ae \u03cc\u03c1\u03b9\u03bf \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03c3\u03c7\u03b5\u03b4\u03b9\u03b1\u03c3\u03c4\u03b5\u03af \u03ce\u03c3\u03c4\u03b5 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03ac \u03c4\u03b7\u03c2 \u03bd\u03b1 \u03c4\u03c1\u03bf\u03c6\u03bf\u03b4\u03bf\u03c4\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 (Supervisory Review and Evaluation Process \u2013 SREP) \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c0\u03bf\u03c5 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b5\u03cd\u03b5\u03b9 \u03bf SSM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 Stress Test \u03c4\u03b7\u03c2 Alpha Bank \u03c5\u03c0\u03cc \u03c4\u03bf \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03ce\u03bd\u03bf\u03c5\u03bd \u03ad\u03bd\u03b1 \u03c3\u03c5\u03bd\u03c4\u03b7\u03c1\u03b7\u03c4\u03b9\u03ba\u03cc \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03bc\u03b5\u03c1\u03b9\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd<strong> 50% \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ad\u03c4\u03b7 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b5\u03bc\u03c6\u03b1\u03bd\u03af\u03b6\u03b5\u03b9 \u03ba\u03ad\u03c1\u03b4\u03b7.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9&nbsp;<strong>\u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u039a\u03bf\u03b9\u03bd\u03ce\u03bd \u039c\u03b5\u03c4\u03bf\u03c7\u03ce\u03bd \u039a\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1\u03c2 1<\/strong>&nbsp;(Common Equity Tier 1 \u2013 CET 1),&nbsp;<strong>\u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u039a\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1\u03c2 \u0399<\/strong>&nbsp;(Tier I) \u03ba\u03b1\u03b9&nbsp;<strong>\u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03bf\u03cd \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5<\/strong>&nbsp;(Total Capital) \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u0394\u03b5\u03ba\u03ad\u03bc\u03b2\u03c1\u03b9\u03bf \u03c4\u03bf\u03c5 2027 pro-forma \u03c7\u03c9\u03c1\u03af\u03c2 \u03bd\u03b1 \u03c3\u03c5\u03bd\u03c5\u03c0\u03bf\u03bb\u03bf\u03b3\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bf\u03b9 \u03c0\u03bb\u03b7\u03c1\u03c9\u03bc\u03ad\u03c2 \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2, \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 1%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397&nbsp;<strong>\u03c0\u03bb\u03ae\u03c1\u03b7\u03c2 \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bd\u03ad\u03b1\u03c2 CRR<\/strong>&nbsp;(CRR 3) \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03bd\u03ad\u03b1\u03c2 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae\u03c2 \u03c4\u03b7\u03c2 \u0392\u03b1\u03c3\u03b9\u03bb\u03b5\u03af\u03b1\u03c2 \u03bc\u03b5 \u03b7\u03bc\u03b5\u03c1\u03bf\u03bc\u03b7\u03bd\u03af\u03b1 \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2 \u03c4\u03b7\u03bd 31.12.2024 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03b9\u03c3\u03bc\u03ad\u03bd\u03b7, \u03b5\u03c0\u03b7\u03c1\u03b5\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 CET 1 \u03ba\u03b1\u03c4\u03ac \u03bc\u03cc\u03bb\u03b9\u03c2 0,34%, \u03bc\u03b5 \u03c0\u03bb\u03ae\u03c1\u03b7 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03c4\u03ac\u03be\u03b5\u03c9\u03bd. \u0391\u03c5\u03c4\u03cc \u03c3\u03c5\u03b3\u03ba\u03c1\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b5\u03c5\u03bc\u03b5\u03bd\u03ce\u03c2 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bd\u03ad\u03b1\u03c2 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae\u03c2 \u03c4\u03b7\u03c2 \u0392\u03b1\u03c3\u03b9\u03bb\u03b5\u03af\u03b1\u03c2 \u03b2\u03ac\u03c3\u03b5\u03b9 \u03c4\u03bf\u03c5 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03bf\u03cd \u03bc\u03ad\u03c3\u03bf\u03c5 \u03cc\u03c1\u03bf\u03c5 \u03c0\u03bf\u03c5 \u03b1\u03bd\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03c3\u03b5 1,28%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a0\u03af\u03bd\u03b1\u03ba\u03b1\u03c2 \u2013 \u0391\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 Stress Test<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter\"><img decoding=\"async\" src=\"https:\/\/www.newmoney.gr\/wp-content\/uploads\/2025\/08\/%CE%A3%CF%84%CE%B9%CE%B3%CE%BC%CE%B9%CF%8C%CF%84%CF%85%CF%80%CE%BF-%CE%BF%CE%B8%CF%8C%CE%BD%CE%B7%CF%82-2025-08-01-202138.jpg\" alt=\"\" class=\"wp-image-2086267\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c4\u03bf<strong>&nbsp;\u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf,<\/strong>&nbsp;\u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03ba\u03b1\u03c4\u03ad\u03b3\u03c1\u03b1\u03c8\u03b5 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5, \u03bc\u03b5 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 CET 1 \u03bc\u03b5 \u03c0\u03bb\u03ae\u03c1\u03b7 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03c4\u03ac\u03be\u03b5\u03c9\u03bd (fully loaded) \u03bd\u03b1 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac 2,4% \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03c3\u03c4\u03b7\u03bd \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1, \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03bc\u03b5\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03bf\u03c2 50% \u03b5\u03c0\u03af \u03c4\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03c6\u03cc\u03c1\u03bf\u03c5\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0391\u03c0\u03cc \u03c4\u03b7\u03bd \u03bf\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03a0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae\u03c2 \u0386\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03a0\u03c1\u03bf\u03c3\u03bf\u03bc\u03bf\u03af\u03c9\u03c3\u03b7\u03c2 \u0391\u03ba\u03c1\u03b1\u03af\u03c9\u03bd \u039a\u03b1\u03c4\u03b1\u03c3\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b4\u03b9\u03b5\u03be\u03ae\u03c7\u03b8\u03b7 \u03c4\u03bf 2023,<strong>&nbsp;\u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03bc\u03b5\u03c4\u03b1\u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03c4\u03b5\u03af,<\/strong>&nbsp;\u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf\u03bd \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03cc \u03c4\u03b7\u03c2, \u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 \u03b1\u03c0\u03bf\u03c6\u03b1\u03c3\u03b9\u03c3\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf \u03b1\u03c0\u03cc\u03b8\u03b5\u03bc\u03b1 \u03c4\u03c9\u03bd \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 (\u039c\u0395\u0391).&nbsp;<strong>\u0388\u03c7\u03b5\u03b9 \u03b1\u03c0\u03bf\u03ba\u03b1\u03c4\u03b1\u03c3\u03c4\u03ae\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ae \u03c4\u03b7\u03c2 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1<\/strong>, \u03ba\u03b1\u03c4\u03b1\u03b3\u03c1\u03ac\u03c6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03b9\u03c3\u03c4\u03bf\u03c1\u03b9\u03ba\u03cc \u03b5\u03c0\u03b9\u03b4\u03cc\u03c3\u03b5\u03c9\u03bd \u03c3\u03c4\u03b9\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03b3\u03bf\u03c1\u03ad\u03c2,<br>\u0395\u03ba\u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u039c\u03ad\u03c3\u03c9\u03bd \u0395\u03bb\u03b1\u03c7\u03af\u03c3\u03c4\u03c9\u03bd \u0391\u03c0\u03b1\u03b9\u03c4\u03ae\u03c3\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b1 \u038a\u03b4\u03b9\u03b1 \u039a\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u0395\u03c0\u03b9\u03bb\u03ad\u03be\u03b9\u03bc\u03b5\u03c2 \u03a5\u03c0\u03bf\u03c7\u03c1\u03b5\u03ce\u03c3\u03b5\u03b9\u03c2 (MREL), \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03bf\u03bd\u03c4\u03b1\u03c2, \u03ad\u03c4\u03b9 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9, \u03c4\u03b1 \u03b1\u03c0\u03bf\u03b8\u03ad\u03bc\u03b1\u03c4\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03ba\u03b1\u03b9 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c4\u03bf<strong>&nbsp;\u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf,<\/strong> \u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c4\u03bf\u03c5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 CET 1, \u03bc\u03b5 \u03c0\u03bb\u03ae\u03c1\u03b7 \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03c4\u03ac\u03be\u03b5\u03c9\u03bd, \u03c3\u03b5 \u03c7\u03c1\u03bf\u03bd\u03b9\u03ba\u03cc \u03bf\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2, \u03b1\u03bd\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03ba\u03ac\u03c4\u03c9 \u03b1\u03c0\u03cc 2% \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 (\u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 3,1% \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03cc \u03bc\u03b5\u03af\u03c9\u03c3\u03b7\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c3\u03c4\u03b7\u03bd \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03cd\u03bc\u03b5\u03bd\u03b7 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03c0\u03bf\u03c5 \u03ad\u03b3\u03b9\u03bd\u03b5 \u03c4\u03bf 2023) \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 3% \u03c4\u03bf\u03c5 \u03bc\u03ad\u03c3\u03bf\u03c5 \u03cc\u03c1\u03bf\u03c5 \u03c4\u03b7\u03c2 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae\u03c2 \u0391\u03c1\u03c7\u03ae\u03c2 \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd (\u0395\u0391\u03a4) \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u0388\u03bd\u03c9\u03c3\u03b7 (\u03bf \u03bc\u03ad\u03c3\u03bf\u03c2 \u03cc\u03c1\u03bf\u03c2 \u03c4\u03b7\u03c2 \u0395\u0391\u03a4 \u03c3\u03c4\u03bf EU-Wide Stress Test \u03c4\u03bf\u03c5 2023 \u03ae\u03c4\u03b1\u03bd \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 4,6%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u039f CEO \u03c4\u03bf\u03c5 \u039f\u03bc\u03af\u03bb\u03bf\u03c5 Alpha Bank, \u0392\u03b1\u03c3\u03af\u03bb\u03b5\u03b9\u03bf\u03c2 \u03a8\u03ac\u03bb\u03c4\u03b7\u03c2, \u03b4\u03ae\u03bb\u03c9\u03c3\u03b5:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00ab\u03a4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 EU-wide Stress Test 2025 \u03ba\u03b1\u03c4\u03b1\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd<strong>&nbsp;\u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf\u03c5 \u03c4\u03b7\u03c2 Alpha Bank,<\/strong>&nbsp;<strong>\u03c5\u03c0\u03cc \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03b5\u03af\u03c2 \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bd\u03b8\u03ae\u03ba\u03b5\u03c2<\/strong>. \u03a4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03b1\u03c5\u03c4\u03ac \u03b5\u03c0\u03b9\u03ba\u03c5\u03c1\u03ce\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd<strong>&nbsp;\u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03af\u03b1 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03c3\u03c0\u03b1\u03b8\u03b5\u03b9\u03ce\u03bd \u03bc\u03b5\u03c4\u03b1\u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03bf\u03cd \u03bc\u03b1\u03c2 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03bf \u03ad\u03c4\u03bf\u03c2<\/strong>. \u0397 Alpha Bank \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9<strong>&nbsp;\u03b9\u03c3\u03c7\u03c5\u03c1\u03cc\u03c4\u03b5\u03c1\u03b7, \u03c0\u03b9\u03bf \u03b5\u03c5\u03ad\u03bb\u03b9\u03ba\u03c4\u03b7 \u03ba\u03b1\u03b9 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b1 \u03c4\u03bf\u03c0\u03bf\u03b8\u03b5\u03c4\u03b7\u03bc\u03ad\u03bd\u03b7<\/strong>&nbsp;\u03b3\u03b9\u03b1 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03c3\u03c4\u03b7\u03c1\u03af\u03be\u03b5\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03c0\u03b5\u03bb\u03ac\u03c4\u03b5\u03c2 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1 \u03c3\u03b5 \u03cc\u03bb\u03b5\u03c2 \u03c4\u03b9\u03c2 \u03c3\u03c5\u03bd\u03b8\u03ae\u03ba\u03b5\u03c2\u00bb.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u03a4\u03b1<\/strong><strong>\u03c6\u03b5\u03c4\u03b9\u03bd\u03ac Stress<\/strong><strong>Tests<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03c0\u03bf\u03c5 \u03b5\u03c0\u03b1\u03bd\u03b1\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b1\u03bd\u03ac \u03b4\u03b9\u03b5\u03c4\u03af\u03b1 \u03bc\u03b5 \u03ba\u03bf\u03b9\u03bd\u03ae \u03bc\u03b5\u03b8\u03bf\u03b4\u03bf\u03bb\u03bf\u03b3\u03af\u03b1 \u03b3\u03b9\u03b1 \u03cc\u03bb\u03b5\u03c2 \u03c4\u03b9\u03c2 \u03c3\u03c5\u03bc\u03bc\u03b5\u03c4\u03ad\u03c7\u03bf\u03c5\u03c3\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c5\u03c0\u03bf\u03b8\u03ad\u03c3\u03b5\u03b9\u03c2 \u03c3\u03b5\u03bd\u03b1\u03c1\u03af\u03c9\u03bd \u03c0\u03bf\u03c5 \u03ba\u03b1\u03bb\u03cd\u03c0\u03c4\u03bf\u03c5\u03bd \u03bf\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2 \u03bc\u03b5 \u03b7\u03bc\u03b5\u03c1\u03bf\u03bc\u03b7\u03bd\u03af\u03b1 \u03ad\u03bd\u03b1\u03c1\u03be\u03b7\u03c2 \u03c4\u03b7\u03bd 31.12.2024 \u03ba\u03b1\u03b9 \u03bb\u03ae\u03be\u03b7\u03c2 \u03c4\u03b7\u03bd 31.12.2027.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2 \u0386\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03bb\u03cd\u03c0\u03c4\u03bf\u03c5\u03bd \u03ad\u03bd\u03b1 \u0392\u03b1\u03c3\u03b9\u03ba\u03cc \u03ba\u03b1\u03b9 \u03ad\u03bd\u03b1 \u0394\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03a3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf \u03cc\u03c0\u03c9\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03cd\u03bc\u03b5\u03bd\u03b5\u03c2 \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03c2 \u03b1\u03c3\u03ba\u03ae\u03c3\u03b5\u03b9\u03c2, \u03bc\u03b5 \u03c3\u03ba\u03bf\u03c0\u03cc \u03c4\u03b7\u03bd \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03bc\u03b5\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u03c2 \u03c4\u03b7\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u0394\u03b5\u03af\u03ba\u03c4\u03b7 \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u039a\u03bf\u03b9\u03bd\u03ce\u03bd \u039c\u03b5\u03c4\u03bf\u03c7\u03ce\u03bd \u03c4\u03b7\u03c2 \u039a\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1\u03c2 1 (Common Equity Tier I \u2013 CET 1), \u0394\u03b5\u03af\u03ba\u03c4\u03b7 \u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ce\u03bd \u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd (Total Capital Ratio) \u03ba\u03b1\u03b9 \u0394\u03b5\u03af\u03ba\u03c4\u03b7 \u039c\u03cc\u03c7\u03bb\u03b5\u03c5\u03c3\u03b7\u03c2 (Leverage Ratio) \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03bf\u03c1\u03af\u03b6\u03bf\u03bd\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1\u03c2. \u0393\u03b5\u03b3\u03bf\u03bd\u03cc\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03ad\u03c7\u03bf\u03c5\u03bd \u03c3\u03c5\u03bc\u03b2\u03b5\u03af \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03b7\u03bc\u03b5\u03c1\u03bf\u03bc\u03b7\u03bd\u03af\u03b1 \u03ad\u03bd\u03b1\u03c1\u03be\u03b7\u03c2 (31.12.2024) \u03b4\u03b5\u03bd \u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c5\u03c0\u03cc\u03c8\u03b7, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bc\u03ad\u03c1\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c7\u03ae \u03c4\u03bf\u03c5 \u00ab\u03c3\u03c4\u03b1\u03c4\u03b9\u03ba\u03bf\u03cd \/ \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03bf\u03cd \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0391\u03be\u03af\u03b6\u03b5\u03b9 \u03bd\u03b1 \u03c3\u03b7\u03bc\u03b5\u03b9\u03c9\u03b8\u03b5\u03af \u03cc\u03c4\u03b9 \u03c4\u03bf Stress Test \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u03ad\u03bd\u03b1 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03cc \u03b5\u03c1\u03b3\u03b1\u03bb\u03b5\u03af\u03bf \u03c0\u03bf\u03c5 \u03b5\u03be\u03b5\u03c4\u03ac\u03b6\u03b5\u03b9 \u03cc\u03bb\u03b5\u03c2 \u03c4\u03b9\u03c2&nbsp; \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03ac \u03c4\u03b7\u03c2 \u03b5\u03bd \u03bb\u03cc\u03b3\u03c9 \u0386\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c1\u03bf\u03c6\u03bf\u03b4\u03bf\u03c4\u03bf\u03cd\u03bd \u03c4\u03b7\u03bd \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03ae \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 (Supervisory Review and Evaluation Process \u2013 SREP) \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c0\u03bf\u03c5 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b5\u03cd\u03b5\u03b9 \u03bf SSM.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u03a4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03b7\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03c5\u03bb\u03bf\u03c0\u03bf\u03b9\u03b5\u03af \u03b7 \u0394\u03b9\u03bf\u03af\u03ba\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 Alpha Bank \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c4\u03bf\u03c5 \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd \u03c4\u03b7\u03c2, \u03b1\u03ba\u03cc\u03bc\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ae \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ac \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1, \u03b5\u03c0\u03b9\u03b2\u03b5\u03b2\u03b1\u03b9\u03ce\u03bd\u03bf\u03c5\u03bd \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03a0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae\u03c2 \u0386\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03a0\u03c1\u03bf\u03c3\u03bf\u03bc\u03bf\u03af\u03c9\u03c3\u03b7\u03c2 \u0391\u03ba\u03c1\u03b1\u03af\u03c9\u03bd \u039a\u03b1\u03c4\u03b1\u03c3\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd 2025 (EU-wide 2025 Stress Test) \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bd\u03c4\u03cc\u03bd\u03b9\u03c3\u03b5 \u03b7 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u0391\u03c1\u03c7\u03ae \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c3\u03b5 \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1 \u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u039a\u03b5\u03bd\u03c4\u03c1\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1. \u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 Stress [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":116657,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[12],"class_list":["post-119175","post","type-post","status-publish","format-standard","has-post-thumbnail","category-8","tag-top"],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/119175","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=119175"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/119175\/revisions"}],"predecessor-version":[{"id":119176,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/119175\/revisions\/119176"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/116657"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=119175"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=119175"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=119175"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}