{"id":120426,"date":"2026-04-14T10:20:33","date_gmt":"2026-04-14T07:20:33","guid":{"rendered":"https:\/\/banknews.gr\/?p=120426"},"modified":"2026-04-14T10:20:35","modified_gmt":"2026-04-14T07:20:35","slug":"ubs-%cf%83%ce%ae%ce%bc%ce%b1-%ce%b9%cf%83%cf%87%cf%85%cf%81%ce%ae%cf%82-%ce%b1%ce%bd%cf%8c%ce%b4%ce%bf%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","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=120426","title":{"rendered":"UBS: \u03a3\u03ae\u03bc\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae\u03c2 \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03bc\u03b5 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03ad\u03c9\u03c2 33% \u2013 \u03a0\u03c1\u03c9\u03c4\u03b1\u03b3\u03c9\u03bd\u03af\u03c3\u03c4\u03c1\u03b9\u03b1 \u03b7 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2"},"content":{"rendered":"\n<p>\u0397 UBS \u03b4\u03af\u03bd\u03b5\u03b9 \u03be\u03b5\u03ba\u03ac\u03b8\u03b1\u03c1\u03bf <strong>\u03c3\u03ae\u03bc\u03b1 \u03b1\u03bd\u03c4\u03b5\u03c0\u03af\u03b8\u03b5\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03cc \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03cc \u03ba\u03bb\u03ac\u03b4\u03bf<\/strong>, \u03b5\u03ba\u03c4\u03b9\u03bc\u03ce\u03bd\u03c4\u03b1\u03c2 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03ad\u03c7\u03bf\u03c5\u03bd \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03c6\u03c4\u03ac\u03bd\u03bf\u03c5\u03bd \u03ad\u03c9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf <strong>33%<\/strong>, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03bc\u03bf\u03c7\u03bb\u03cc \u03b1\u03c5\u03c4\u03ae\u03c2 \u03c4\u03b7\u03c2 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae\u03c2.<\/p>\n\n\n\n<p>\u03a0\u03b1\u03c1\u03ac \u03c4\u03b7 \u03c3\u03c5\u03bd\u03b5\u03c7\u03b9\u03b6\u03cc\u03bc\u03b5\u03bd\u03b7 \u03b4\u03b9\u03b5\u03b8\u03bd\u03ae \u03b1\u03b2\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1, \u03b7 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ae \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b4\u03b9\u03b1\u03c0\u03b9\u03c3\u03c4\u03ce\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 <strong>\u03c4\u03bf \u03b4\u03b9\u03b1\u03c1\u03b8\u03c1\u03c9\u03c4\u03b9\u03ba\u03cc \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03cc \u03b1\u03c6\u03ae\u03b3\u03b7\u03bc\u03b1 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc<\/strong>, \u03b5\u03bd\u03ce \u03c4\u03b1\u03c5\u03c4\u03cc\u03c7\u03c1\u03bf\u03bd\u03b1 \u03ba\u03b1\u03c4\u03b1\u03b3\u03c1\u03ac\u03c6\u03b5\u03c4\u03b1\u03b9 <strong>\u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2<\/strong>, \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03bf \u03c0\u03bf\u03c5 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03bf\u03c1\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03bc\u03b5\u03bb\u03bb\u03bf\u03bd\u03c4\u03b9\u03ba\u03ce\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd. \u039c\u03ad\u03c3\u03b1 \u03c3\u03b5 \u03b1\u03c5\u03c4\u03cc \u03c4\u03bf \u03c0\u03b5\u03c1\u03b9\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd, \u03bf \u03ba\u03bb\u03ac\u03b4\u03bf\u03c2 \u03c6\u03b1\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03b9\u03c3\u03ad\u03c1\u03c7\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03ad\u03bd\u03b1 <strong>\u03ba\u03bf\u03bc\u03b2\u03b9\u03ba\u03cc \u03c3\u03b7\u03bc\u03b5\u03af\u03bf \u03ba\u03b1\u03bc\u03c0\u03ae\u03c2<\/strong>, \u03c4\u03bf \u03bf\u03c0\u03bf\u03af\u03bf \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03bc\u03b5\u03c4\u03b1\u03c6\u03c1\u03b1\u03c3\u03c4\u03b5\u03af \u03c3\u03b5 <strong>\u03c5\u03c8\u03b7\u03bb\u03ad\u03c2 \u03b1\u03c0\u03bf\u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2<\/strong>.<\/p>\n\n\n\n<p>\u039f\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03c4\u03b7\u03c2 UBS \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03bf\u03cd\u03bd <strong>\u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7 \u00abBuy\u00bb \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd<\/strong>, \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03bf\u03bd\u03c4\u03b1\u03c2 <strong>capital upside \u03b1\u03c0\u03cc 21% \u03ad\u03c9\u03c2 33%<\/strong>. \u03a3\u03c4\u03bf \u03b5\u03c0\u03af\u03ba\u03b5\u03bd\u03c4\u03c1\u03bf \u03c4\u03c9\u03bd \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03c9\u03bd \u03b2\u03c1\u03af\u03c3\u03ba\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2, \u03bc\u03b5 \u03c4\u03b9\u03bc\u03ae-\u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 <strong>10,80 \u03b5\u03c5\u03c1\u03ce<\/strong>, \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03b4\u03c5\u03bd\u03b7\u03c4\u03b9\u03ba\u03ae \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7. \u0391\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b5\u03af \u03b7 Alpha Bank \u03bc\u03b5 \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 <strong>4,65 \u03b5\u03c5\u03c1\u03ce (+28%)<\/strong>, \u03b5\u03bd\u03ce \u03b3\u03b9\u03b1 \u03c4\u03b7 Eurobank \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03bf\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2-\u03c3\u03c4\u03cc\u03c7\u03bf\u03b9 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 <strong>4,60 \u03b5\u03c5\u03c1\u03ce \u03ba\u03b1\u03b9 17,30 \u03b5\u03c5\u03c1\u03ce \u03b1\u03bd\u03c4\u03af\u03c3\u03c4\u03bf\u03b9\u03c7\u03b1<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.mikrometoxos.gr\/wp-content\/uploads\/2026\/04\/extobj-20260410121632kp29_1.png\" alt=\"\" class=\"wp-image-847805\"\/><\/figure>\n\n\n\n<p>\u03a3\u03c4\u03bf \u03bc\u03ad\u03c4\u03c9\u03c0\u03bf \u03c4\u03b7\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7\u03c2, \u03b7 UBS \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9 <strong>\u03bf \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03cc\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03cc\u03c2 \u03ba\u03cd\u03ba\u03bb\u03bf\u03c2 \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae<\/strong>, \u03bc\u03b5 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 <strong>9,4% \u03c3\u03b5 \u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03bf\u03bd \u03a6\u03b5\u03b2\u03c1\u03bf\u03c5\u03ac\u03c1\u03b9\u03bf<\/strong>, \u03c0\u03b1\u03c1\u03ac \u03c4\u03bf \u03b3\u03b5\u03b3\u03bf\u03bd\u03cc\u03c2 \u03cc\u03c4\u03b9 \u03bf \u03bc\u03ae\u03bd\u03b1\u03c2 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03af\u03c3\u03c4\u03b7\u03ba\u03b5 \u03c9\u03c2 \u03bc\u03b9\u03b1 \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf\u03c2 \u00ab\u03b7\u03c1\u03b5\u03bc\u03af\u03b1\u03c2 \u03c0\u03c1\u03b9\u03bd \u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b1\u03b9\u03b3\u03af\u03b4\u03b1\u00bb, \u03bb\u03cc\u03b3\u03c9 \u03c4\u03c9\u03bd \u03b3\u03b5\u03c9\u03c0\u03bf\u03bb\u03b9\u03c4\u03b9\u03ba\u03ce\u03bd \u03b5\u03be\u03b5\u03bb\u03af\u03be\u03b5\u03c9\u03bd \u03c3\u03c4\u03b7 \u039c\u03ad\u03c3\u03b7 \u0391\u03bd\u03b1\u03c4\u03bf\u03bb\u03ae. \u0391\u03bd \u03ba\u03b1\u03b9 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03b5\u03c1\u03c9\u03c4\u03ae\u03bc\u03b1\u03c4\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03ba\u03b1\u03c4\u03ac \u03c0\u03cc\u03c3\u03bf \u03bf\u03b9 \u03b4\u03b9\u03b5\u03b8\u03bd\u03b5\u03af\u03c2 \u03b5\u03be\u03b5\u03bb\u03af\u03be\u03b5\u03b9\u03c2 \u03b8\u03b1 \u03b5\u03c0\u03b7\u03c1\u03b5\u03ac\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03c3\u03b5 \u03ba\u03c1\u03af\u03c3\u03b9\u03bc\u03bf\u03c5\u03c2 \u03ba\u03bb\u03ac\u03b4\u03bf\u03c5\u03c2 \u03cc\u03c0\u03c9\u03c2 \u03bf \u03c4\u03bf\u03c5\u03c1\u03b9\u03c3\u03bc\u03cc\u03c2 \u03ba\u03b1\u03b9 \u03b7 \u03bd\u03b1\u03c5\u03c4\u03b9\u03bb\u03af\u03b1, \u03b7 UBS \u03c4\u03bf\u03bd\u03af\u03b6\u03b5\u03b9 \u03cc\u03c4\u03b9 <strong>\u03bf\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b6\u03ae\u03c4\u03b7\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ac \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03c4\u03b1 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b1 \u03c4\u03c1\u03af\u03b1 \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1<\/strong>. \u0395\u03bd\u03b4\u03b5\u03b9\u03ba\u03c4\u03b9\u03ba\u03ac, \u03c4\u03b1 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03bf\u03c5\u03bd <strong>\u03b5\u03c4\u03ae\u03c3\u03b9\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7\u03c2 7,5% \u03b3\u03b9\u03b1 \u03c4\u03b7 Eurobank, \u03c5\u03c8\u03b7\u03bb\u03ac \u03bc\u03bf\u03bd\u03bf\u03c8\u03ae\u03c6\u03b9\u03b1 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03ac \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03ba\u03b1\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 10% \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2<\/strong>.<\/p>\n\n\n\n<p>\u039a\u03b1\u03b8\u03bf\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03ae \u03b5\u03b9\u03ba\u03cc\u03bd\u03b1 \u03c4\u03bf\u03c5 \u03ba\u03bb\u03ac\u03b4\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03b7 \u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03ce\u03bd \u03c0\u03b5\u03c1\u03b9\u03b8\u03c9\u03c1\u03af\u03c9\u03bd. \u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7\u03bd UBS, \u03bf\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b2\u03c1\u03af\u03c3\u03ba\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 <strong>\u03c3\u03b7\u03bc\u03b5\u03af\u03bf \u03ba\u03b1\u03bc\u03c0\u03ae\u03c2 \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03ac \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 (NIMs)<\/strong>, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03c0\u03bb\u03ad\u03bf\u03bd <strong>\u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03bf\u03c0\u03bf\u03b9\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9<\/strong>, \u03b5\u03bd\u03ce \u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03cc\u03b3\u03ba\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c3\u03c5\u03bd\u03b5\u03c7\u03af\u03b6\u03b5\u03c4\u03b1\u03b9. \u0397 \u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7 \u03b1\u03c5\u03c4\u03ae \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03bf\u03b4\u03b7\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c3\u03b5 <strong>\u03b4\u03b9\u03b1\u03b4\u03bf\u03c7\u03b9\u03ba\u03ae \u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b1\u03b8\u03b1\u03c1\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 (NII)<\/strong>.<\/p>\n\n\n\n<p>\u039f\u03b9 \u03b1\u03c0\u03bf\u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b9\u03ba\u03ce\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03c4\u03b1 spreads \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03bf\u03c5 Euribor 3 \u03bc\u03b7\u03bd\u03ce\u03bd \u03b5\u03bc\u03c6\u03b1\u03bd\u03af\u03b6\u03bf\u03c5\u03bd \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 <strong>\u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7<\/strong>, \u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03bc\u03b9\u03b1 \u03bc\u03b1\u03ba\u03c1\u03ac \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf \u03b1\u03c0\u03bf\u03ba\u03bb\u03b9\u03bc\u03ac\u03ba\u03c9\u03c3\u03b7\u03c2. \u03a4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 <strong>\u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03cc \u03c3\u03c4\u03b9\u03c2 30 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 \u03b2\u03ac\u03c3\u03b7\u03c2<\/strong>, \u03b5\u03bd\u03ce \u03c4\u03bf spread \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03ba\u03b1\u03b9 \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af\u03c4\u03b1\u03b9 \u03c3\u03b5 <strong>\u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03cc \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf 4,3%<\/strong>. \u03a4\u03b1 \u03bd\u03ad\u03b1 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03c5\u03c0\u03bf\u03b4\u03b5\u03b9\u03ba\u03bd\u03cd\u03bf\u03c5\u03bd \u03bc\u03ac\u03bb\u03b9\u03c3\u03c4\u03b1 \u03cc\u03c4\u03b9 \u03c4\u03b1 NIMs \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03ba\u03b9\u03bd\u03b7\u03b8\u03bf\u03cd\u03bd <strong>\u03b5\u03bb\u03b1\u03c6\u03c1\u03ce\u03c2 \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03ac<\/strong>, \u03bb\u03cc\u03b3\u03c9 \u03b2\u03b5\u03bb\u03c4\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03ce\u03bd \u03ba\u03b1\u03b9 \u03b5\u03bd\u03b4\u03b5\u03c7\u03cc\u03bc\u03b5\u03bd\u03b1 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2.<\/p>\n\n\n\n<p>\u0399\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b7 \u03c3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1 \u03b1\u03c0\u03bf\u03b4\u03af\u03b4\u03b5\u03c4\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b5\u03c5\u03b1\u03b9\u03c3\u03b8\u03b7\u03c3\u03af\u03b1 \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c3\u03c4\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c0\u03b1\u03c1\u03ac \u03c4\u03b9\u03c2 \u03c0\u03c1\u03b1\u03ba\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5, \u03bc\u03b9\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03ba\u03b1\u03c4\u03ac 25 \u03bc\u03bf\u03bd\u03ac\u03b4\u03b5\u03c2 \u03b2\u03ac\u03c3\u03b7\u03c2 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03bf\u03b4\u03b7\u03b3\u03ae\u03c3\u03b5\u03b9 \u03c3\u03b5 <strong>\u03b5\u03bd\u03af\u03c3\u03c7\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03b1\u03bd\u03ac \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae (EPS) \u03ba\u03b1\u03c4\u03ac 1% \u03ad\u03c9\u03c2 3%<\/strong>. \u0397 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03b5\u03bc\u03c6\u03b1\u03bd\u03af\u03b6\u03b5\u03b9 <strong>\u03c5\u03c8\u03b7\u03bb\u03cc beta \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd (82%) \u03ba\u03b1\u03b9 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc beta \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd (12%)<\/strong>, \u03b3\u03b5\u03b3\u03bf\u03bd\u03cc\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03b5\u03b9 \u03c4\u03b7 \u03b8\u03b5\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03af\u03b4\u03c1\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03af\u03c9\u03bd \u03c3\u03c4\u03b1 \u03ad\u03c3\u03bf\u03b4\u03b1.<\/p>\n\n\n\n<p>\u03a3\u03b5 \u03cc\u03c1\u03bf\u03c5\u03c2 \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7\u03c2, \u03b7 UBS \u03b5\u03c0\u03b9\u03c3\u03b7\u03bc\u03b1\u03af\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9, \u03c0\u03b1\u03c1\u03ac \u03c4\u03b7\u03bd \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b1 \u03c7\u03b1\u03bc\u03b7\u03bb\u03ac, \u03bf\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 <strong>\u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ac \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1<\/strong>. \u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 <strong>P\/E \u03b3\u03b9\u03b1 \u03c4\u03bf 2027 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ac\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf 8,2x<\/strong>, \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 <strong>9,0x \u03c4\u03c9\u03bd \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd<\/strong>, \u03b4\u03b7\u03bb\u03b1\u03b4\u03ae \u03bc\u03b5 <strong>\u03ad\u03ba\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 9%<\/strong>. \u03a4\u03b7\u03bd \u03af\u03b4\u03b9\u03b1 \u03c3\u03c4\u03b9\u03b3\u03bc\u03ae, \u03c4\u03bf \u03b5\u03ba\u03c4\u03b9\u03bc\u03ce\u03bc\u03b5\u03bd\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03b9\u03b4\u03af\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf <strong>12,3%<\/strong>, \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf <strong>11,4% \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7<\/strong>, \u03b5\u03bd\u03ce \u03b7 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b4\u03b5\u03ba\u03b1\u03b5\u03c4\u03bf\u03cd\u03c2 \u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03bf\u03c5 \u03ba\u03b9\u03bd\u03b5\u03af\u03c4\u03b1\u03b9 \u03ba\u03bf\u03bd\u03c4\u03ac \u03c3\u03c4\u03bf <strong>3,8%<\/strong>.<\/p>\n\n\n\n<p>\u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac, \u03b7 UBS \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03b5\u03af \u03bc\u03b9\u03b1 <strong>\u03c3\u03b1\u03c6\u03ce\u03c2 \u03b8\u03b5\u03c4\u03b9\u03ba\u03ae \u03c3\u03c4\u03ac\u03c3\u03b7 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