{"id":97826,"date":"2024-07-16T10:28:43","date_gmt":"2024-07-16T07:28:43","guid":{"rendered":"https:\/\/banknews.gr\/?p=97826"},"modified":"2024-07-16T10:28:43","modified_gmt":"2024-07-16T07:28:43","slug":"%cf%84%ce%b1%cf%8d%cf%81%ce%bf%cf%82-%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%ce%ac%cf%80%ce%b5%ce%b6%ce%b5%cf%82-%ce%b7-ub","status":"publish","type":"post","link":"https:\/\/banknews.gr\/?p=97826","title":{"rendered":"\u00ab\u03a4\u03b1\u03cd\u03c1\u03bf\u03c2\u00bb \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; &#8220;B\u03bb\u03ad\u03c0\u03b5\u03b9&#8221; \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03c1\u03ac\u03bb\u03b9 \u03bc\u03b5 \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5 26% &#8211; 51% &#8211; \u039f\u03b9 \u03c4\u03b9\u03bc\u03ad\u03c2 &#8211; \u03c3\u03c4\u03cc\u03c7\u03bf\u03b9"},"content":{"rendered":"<p>\u03a4\u03b7\u03bd \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b1\u03c0\u03bf\u03c6\u03ac\u03c3\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03be\u03b5\u03ba\u03b9\u03bd\u03ae\u03c3\u03b5\u03b9 \u03b7 UBS \u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 &#8220;\u03b1\u03b3\u03bf\u03c1\u03b1\u03c3\u03c4\u03ae\u03c2&#8221; \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c4\u03b5\u03c3\u03c3\u03ac\u03c1\u03c9\u03bd \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd <span lang=\"EL\">\u03bc\u03b5<\/span> \u00a0<strong><span lang=\"EL\">\u03c5\u03c8\u03b7\u03bb\u03ad\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2<\/span><\/strong>\u00a0<span lang=\"EL\">\u03ba\u03b1\u03b9<\/span>\u00a0<strong><span lang=\"EL\">\u03c0\u03c1\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2<\/span><\/strong><span lang=\"EL\">.<\/span><\/p>\n<p>\u038c\u03c0\u03c9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03bf \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc\u03c2 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03cc\u03c2 \u03bf\u03af\u03ba\u03bf\u03c2, \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b2\u03b3\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ac \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03ba\u03c1\u03af\u03c3\u03b7 \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03b2\u03c1\u03af\u03c3\u03ba\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b9\u03b1 \u03ba\u03b1\u03bb\u03ae \u03b8\u03ad\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03cc \u03ba\u03cd\u03ba\u03bb\u03bf \u03c5\u03c0\u03cc \u03c4\u03bf \u03b2\u03ac\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03b9\u03ce\u03bd &#8211; \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd. \u039f\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03b2\u03bb\u03ad\u03c0\u03bf\u03c5\u03bd \u03c5\u03c8\u03b7\u03bb\u03ac \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03ac \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 \u03c3\u03c4\u03b1 \u03c3\u03c5\u03bd\u03c4\u03b7\u03c1\u03b7\u03c4\u03b9\u03ba\u03ac, \u03cc\u03c0\u03c9\u03c2 \u03c4\u03b1 \u03c7\u03b1\u03c1\u03b1\u03ba\u03c4\u03b7\u03c1\u03af\u03b6\u03bf\u03c5\u03bd, \u03c4\u03c1\u03b9\u03b5\u03c4\u03ae business plans \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03bf\u03c5 consensus.<\/p>\n<p>\u0388\u03c4\u03c3\u03b9, \u03be\u03b5\u03ba\u03b9\u03bd\u03ac \u03bc\u03b5 \u03b1\u03be\u03b9\u03bf\u03bb\u03bf\u03b3\u03ae\u03c3\u03b5\u03b9\u03c2 buy \u03c3\u03c4\u03b9\u03c2 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd Alpha Bank \u03c3\u03c4\u03b1 2,30 \u03b5\u03c5\u03c1\u03ce, \u03b3\u03b9\u03b1 \u03c4\u03b7 Eurobank \u03c3\u03c4\u03b1 2,60 \u03b5\u03c5\u03c1\u03ce, \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c3\u03c4\u03b1 11 \u03b5\u03c5\u03c1\u03ce \u03ba\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03c3\u03c4\u03b1 5,50 \u03b5\u03c5\u03c1\u03ce. \u03a0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ac \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03ac \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1 (26%-51%), \u03cc\u03c0\u03c9\u03c2 \u03c4\u03bf\u03bd\u03af\u03b6\u03b5\u03b9, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2, \u03b5\u03bd\u03ce \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03bf\u03c1\u03b9\u03c3\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03ad\u03c2 \u03c3\u03c4\u03b7\u03bd \u03c4\u03bf\u03c0\u03bf\u03b8\u03ad\u03c4\u03b7\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2 \u03c3\u03b5 \u03b2\u03b1\u03c3\u03b9\u03ba\u03ac \u03b8\u03ad\u03bc\u03b1\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c6\u03af\u03bb \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-23892 aligncenter\" src=\"https:\/\/marketscreen.gr\/admin\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-16-at-10.23.12-AM.png\" alt=\"\" width=\"994\" height=\"227\" \/><\/p>\n<p>\u039f\u03b9 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b5\u03c2 \u03c4\u03b7\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2\u00a0\u03b5\u03af\u03bd\u03b1\u03b9 <strong>\u03b7 \u0395\u03b8\u03bd\u03b9\u03ba\u03ae (\u03b9\u03c3\u03c7\u03c5\u03c1\u03cc franchise, \u03c5\u03c8\u03b7\u03bb\u03ae \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1, \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5) \u03ba\u03b1\u03b9 \u03b7 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 (\u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 re-rating, \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1, \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03bf franchise \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03bb\u03b9\u03b1\u03bd\u03b9\u03ba\u03ae\u03c2 \u03ba\u03b1\u03b9 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd).<\/strong><\/p>\n<p>&#8211; \u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03cc \u03bf\u03af\u03ba\u03bf, \u03b7\u00a0<strong>Alpha Bank<\/strong>\u00a0\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\/TNAV \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03c3\u03c4\u03bf 0,55x, \u03b3\u03b9\u03b1 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \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, ROTE \u03c3\u03c4\u03bf 10,8% (11,4% \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03bf \u03b3\u03b9\u03b1 CET1 \u03c3\u03c4\u03bf 14%) \u03ba\u03b1\u03b9 CET1 \u03c3\u03c4\u03bf 15,9%. \u039c\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u00ab\u03c0\u03b1\u03af\u03b6\u03b5\u03b9\u00bb \u03bc\u03b5 P\/TNAV \u03c3\u03c4\u03bf 0,78x.<\/p>\n<p>&#8211; \u0391\u03c0\u03cc \u03c4\u03b7\u03bd \u03ac\u03bb\u03bb\u03b7, \u03b7\u00a0<strong>Eurobank<\/strong> \u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 P\/TNAV \u03b3\u03b9\u03b1 \u03c6\u03ad\u03c4\u03bf\u03c2 \u03c3\u03c4\u03bf 0,91x, \u03b3\u03b9\u03b1 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \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, ROTE \u03c3\u03c4\u03bf 16,5% (19,8% \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03bf \u03b3\u03b9\u03b1 CET1 \u03c3\u03c4\u03bf 14%) \u03ba\u03b1\u03b9 CET1 \u03c3\u03c4\u03bf 16,8%. \u039c\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u00ab\u03c0\u03b1\u03af\u03b6\u03b5\u03b9\u00bb \u03bc\u03b5 \u03ad\u03bd\u03b1 fair P\/TNAV \u03c3\u03c4\u03bf 1,17x.<\/p>\n<p>&#8211; \u0397\u00a0<strong>\u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1<\/strong>\u00a0\u03b4\u03b9\u03b1\u03c0\u03c1\u03b1\u03b3\u03bc\u03b1\u03c4\u03b5\u03cd\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 P\/TNAV \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03c3\u03c4\u03bf 0,89x, \u03b3\u03b9\u03b1 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 ROTE \u03c3\u03c4\u03bf 17,4% (\u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf 22,9% \u03b3\u03b9\u03b1 CET1 14%) \u03ba\u03b1\u03b9 CET1 19,4%. \u039c\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u00ab\u03c0\u03b1\u03af\u03b6\u03b5\u03b9\u00bb \u03bc\u03b5 \u03ad\u03bd\u03b1 fair P\/TNAV \u03c3\u03c4\u03bf 1,3x.<\/p>\n<p>&#8211; \u03a4\u03ad\u03bb\u03bf\u03c2, \u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03c4\u03b7\u03c2\u00a0<strong>\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2<\/strong>, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 UBS, \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\/TNAV \u03b3\u03b9\u03b1 \u03c4\u03bf 2024 \u03c3\u03c4\u03bf 0,65x, \u03b3\u03b9\u03b1 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \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, ROTE \u03c3\u03c4\u03bf 15,5% (\u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf 15,8% \u03b3\u03b9\u03b1 CET1 14%) \u03ba\u03b1\u03b9 CET1 14,5%. \u039c\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03b7 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ae \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u00ab\u03c0\u03b1\u03af\u03b6\u03b5\u03b9\u00bb \u03bc\u03b5 \u03ad\u03bd\u03b1 fair P\/TNAV \u03c3\u03c4\u03bf 0,92x.<\/p>\n<p>\u038c\u03c0\u03c9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03c5\u03bd \u03bf\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2, \u03bf\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd\u00a0<strong>\u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ac \u03b1\u03bd\u03bf\u03b4\u03b9\u03ba\u03ac \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03b1<\/strong>\u00a0\u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b5\u03c9\u03c2 \u03c4\u03bf\u03c5 26% &#8211; 51% \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9\u00a0<strong>\u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ad\u03c2 \u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03b5\u03c0\u03b9\u03b2\u03c1\u03ac\u03b2\u03b5\u03c5\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03cc\u03c7\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2<\/strong>. \u03a9\u03c3\u03c4\u03cc\u03c3\u03bf, \u03c0\u03c1\u03bf\u03ba\u03cd\u03c0\u03c4\u03bf\u03c5\u03bd \u03bf\u03c1\u03b9\u03c3\u03bc\u03ad\u03bd\u03b5\u03c2 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03ad\u03c2 \u03c3\u03c4\u03b7 \u03b4\u03bf\u03bc\u03b9\u03ba\u03ae \u03c4\u03bf\u03c5\u03c2 \u03c3\u03cd\u03c3\u03c4\u03b1\u03c3\u03b7, \u03c3\u03b5 \u03b4\u03b9\u03ac\u03c6\u03bf\u03c1\u03b5\u03c2 \u03b8\u03b5\u03bc\u03b1\u03c4\u03b9\u03ba\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b1 \u03c0\u03c1\u03bf\u03c6\u03af\u03bb \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5, \u03c0\u03bf\u03c5 \u03bf\u03b4\u03b7\u03b3\u03bf\u03cd\u03bd \u03c4\u03bf\u03c5\u03c2 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03c4\u03bf\u03c5 \u03bf\u03af\u03ba\u03bf\u03c5\u03c2 \u03bd\u03b1 \u03b8\u03ad\u03c3\u03bf\u03c5\u03bd \u03c9\u03c2\u00a0<strong>\u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b5\u03c2 \u03b5\u03c0\u03b9\u03bb\u03bf\u03b3\u03ad\u03c2<\/strong>, \u03c4\u03b9\u03c2 \u03bc\u03b5\u03c4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2\u00a0<strong>\u0395\u03b8\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2<\/strong>\u00a0(\u03b9\u03c3\u03c7\u03c5\u03c1\u03cc franchise, \u03c5\u03c8\u03b7\u03bb\u03ae \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1, \u03b5\u03c5\u03b5\u03bb\u03b9\u03be\u03af\u03b1 \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7\u03c2 \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03c5\u03c3\u03b1\u03c2 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2) \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2\u00a0<strong>\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2<\/strong> (\u03b4\u03c5\u03bd\u03b1\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 re &#8211; rating, \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1, \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03bf franchise \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03ba\u03b1\u03c4\u03b1\u03b8\u03ad\u03c3\u03b5\u03c9\u03bd \u03bb\u03b9\u03b1\u03bd\u03b9\u03ba\u03ae\u03c2 \u03ba\u03b1\u03b9 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03c9\u03bd &#8211; \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03b9\u03ce\u03bd).<\/p>\n<p>\u039c\u03b5 \u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03bd\u03b1 \u03b2\u03c1\u03af\u03c3\u03ba\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b9\u03b1 \u03bf\u03c1\u03b9\u03b1\u03ba\u03ae \u03c6\u03ac\u03c3\u03b7 \u03b5\u03c0\u03b1\u03bd\u03ad\u03bd\u03b1\u03c1\u03be\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ce\u03bd, \u03b3\u03b9\u03b1 \u03c0\u03c1\u03ce\u03c4\u03b7 \u03c6\u03bf\u03c1\u03ac \u03bc\u03b5\u03c4\u03ac \u03b1\u03c0\u03cc \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc \u03bc\u03b9\u03b1 \u03b4\u03b5\u03ba\u03b1\u03b5\u03c4\u03af\u03b1, \u03c4\u03b1\u00a0<strong>\u03c3\u03c7\u03ad\u03b4\u03b9\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae\u03c2 \u03c6\u03b1\u03af\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c5\u03bd\u03c4\u03b7\u03c1\u03b7\u03c4\u03b9\u03ba\u03ac<\/strong>, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c4\u03b1 payouts \u03be\u03b5\u03ba\u03b9\u03bd\u03bf\u03cd\u03bd \u03b1\u03c0\u03cc 10% &#8211; 30% \u03ba\u03b1\u03b9 \u03b1\u03c5\u03be\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf 50% \u03c3\u03b5 \u03b4\u03b9\u03ac\u03c3\u03c4\u03b7\u03bc\u03b1 \u03c4\u03c1\u03b9\u03ce\u03bd \u03b5\u03c4\u03ce\u03bd. \u00ab\u0392\u03bb\u03ad\u03c0\u03bf\u03c5\u03bc\u03b5, \u03ad\u03bd\u03b1 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03cc \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03cc \u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03cc, \u03c5\u03c0\u03bf\u03b2\u03bf\u03b7\u03b8\u03bf\u03cd\u03bc\u03b5\u03bd\u03bf \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1, \u03bc\u03b5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 ROTE \u03c3\u03c4\u03b1 \u03c4\u03ad\u03bb\u03b7 \u03c4\u03bf\u03c5 2026 \u03c3\u03c4\u03bf 13% &#8211; 20% (\u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03bf\u03c3\u03bc\u03ad\u03bd\u03bf \u03b3\u03b9\u03b1 CET1 \u03c3\u03c4\u03bf 14%)\u00bb, \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03b9 \u03bf Stephan Potgieter, \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ae\u03c2 \u03c4\u03b7\u03c2 UBS \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03b4\u03c5\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03b1\u03b3\u03bf\u03c1\u03ce\u03bd. \u03a5\u03c0\u03bf\u03bb\u03bf\u03b3\u03af\u03b6\u03b5\u03b9 \u03c0\u03c9\u03c2 \u03c4\u03b1 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03b1 \u03b3\u03b9\u03b1 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03b1 \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2026 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03bd \u03bd\u03b1 \u03c6\u03c4\u03ac\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf 60% \u03c4\u03c9\u03bd \u03c4\u03c1\u03b5\u03c7\u03bf\u03c5\u03c3\u03ce\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03c9\u03bd \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-23893\" src=\"https:\/\/marketscreen.gr\/admin\/wp-content\/uploads\/2024\/07\/Screenshot-2024-07-16-at-10.22.27-AM.png\" alt=\"\" width=\"2014\" height=\"585\" \/><\/p>\n<figure class=\"align-center\" role=\"group\"><figcaption><\/figcaption><\/figure>\n<p>\u039f \u03ba\u03af\u03bd\u03b4\u03c5\u03bd\u03bf\u03c2 \u03c4\u03c5\u03c7\u03cc\u03bd \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b6\u03b7\u03bc\u03b9\u03ce\u03bd \u03b1\u03c0\u03cc \u03c4\u03b1 NPEs \u03ad\u03c7\u03b5\u03b9 \u03c5\u03c0\u03bf\u03c7\u03c9\u03c1\u03ae\u03c3\u03b5\u03b9, \u03bc\u03b5 \u03c4\u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03c0\u03bb\u03ad\u03bf\u03bd \u03c3\u03c4\u03bf 4,4%, \u03b5\u03bd\u03ce \u03bf\u03b9\u00a0<strong>\u03b1\u03bd\u03b1\u03b2\u03b1\u03bb\u03bb\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03c6\u03bf\u03c1\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 (DTC)<\/strong>\u00a0\u03c3\u03c4\u03b1 \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03b1 CET1 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b5\u03c0\u03af\u03c3\u03b7\u03c2 \u03bd\u03b1 \u03bc\u03b5\u03b9\u03c9\u03b8\u03bf\u03cd\u03bd \u03b1\u03c0\u03cc \u03c4\u03bf 58% \u03c3\u03c4\u03bf 35% \u03ba\u03b1\u03c4\u03ac \u03bc\u03ad\u03c3\u03bf \u03cc\u03c1\u03bf \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03b1 \u03c4\u03ad\u03bb\u03b7 \u03c4\u03bf\u03c5 2026.<\/p>\n<h4><strong>\u0395\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03cc \u00abstory\u00bb \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7\u03c2 \u03b7 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1<\/strong><\/h4>\n<p>\u039f Gyorgy Kovacs, \u03b5\u03c0\u03b9\u03ba\u03b5\u03c6\u03b1\u03bb\u03ae\u03c2 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03bf\u03bb\u03cc\u03b3\u03bf\u03c2 \u03c4\u03bf\u03c5 \u03bf\u03af\u03ba\u03bf\u03c5 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03b1\u03b4\u03c5\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03b1\u03b3\u03bf\u03c1\u03ad\u03c2, \u03b5\u03ba\u03c4\u03b9\u03bc\u03ac \u03cc\u03c4\u03b9 \u03b7 \u0395\u03bb\u03bb\u03ac\u03b4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u03ad\u03bd\u03b1\u00a0<strong>\u03ac\u03ba\u03c1\u03c9\u03c2 \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03cc \u00abstory\u00bb \u03c3\u03b5 \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae\u03c2 \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7\u03c2<\/strong>, \u03b4\u03b9\u03b1\u03c4\u03b7\u03c1\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b7\u03bd \u03b5\u03ba\u03c4\u03b9\u03bc\u03b7\u03c3\u03ae \u03c4\u03bf\u03c5 \u03b3\u03b9\u03b1\u00a0<strong>\u03b1\u03bd\u03ac\u03c0\u03c4\u03c5\u03be\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b5\u03c9\u03c2 \u03c4\u03bf\u03c5 2,5% \u03c6\u03ad\u03c4\u03bf\u03c2 \u03ba\u03b1\u03b9 3% \u03c4\u03bf 2025<\/strong>. \u00ab\u0388\u03c7\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bb\u03ac\u03b2\u03b5\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 15 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03b1\u03c0\u03cc \u03c4\u03b1 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03b1 36 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03c4\u03bf\u03c5 RRF, \u03b7 \u03c3\u03c9\u03c3\u03c4\u03ae \u03b1\u03be\u03b9\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c5\u03c0\u03cc\u03bb\u03bf\u03b9\u03c0\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03c4\u03b7\u03bd \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b7 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u00ab\u03ba\u03b1\u03c4\u03b1\u03bb\u03cd\u03c4\u03b7\u00bb \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03b9\u03bd\u03b7\u03c4\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b5\u03c0\u03b5\u03bd\u03b4\u03cd\u03c3\u03b5\u03c9\u03bd\u00bb, \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03b9 \u03bf Kovacs.<\/p>\n<p>\u039f\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03ad\u03bd\u03b1\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03cc \u03ba\u03cd\u03ba\u03bb\u03bf \u03c3\u03c4\u03b7 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b6\u03ae\u03c4\u03b7\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03b1\u03c0\u03cc \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2, \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b5\u03c9\u03c2 \u03c4\u03bf\u03c5 8% \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 (2023 &#8211; 2026), \u03bf \u03bf\u03c0\u03bf\u03af\u03bf\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03b1\u03b8\u03bc\u03af\u03c3\u03b5\u03b9 \u03ba\u03ac\u03c0\u03bf\u03b9\u03b1 \u03c0\u03af\u03b5\u03c3\u03b7 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03cc \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf (NIM &#8211; \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03c3\u03c4\u03b1 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c4\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cc\u03ba\u03b9\u03b1 \u03bc\u03b5\u03b9\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9, \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03bd\u03b1 \u03b5\u03c0\u03c9\u03c6\u03b5\u03bb\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c0\u03bf\u03bb\u03cd \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03b4\u03cc\u03c4\u03b7\u03c3\u03b7\u03c2. \u03a9\u03c3\u03c4\u03cc\u03c3\u03bf, \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b2\u03bb\u03ad\u03c0\u03bf\u03c5\u03bd \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03c3\u03b5 \u03c5\u03c8\u03b7\u03bb\u03ac \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1, \u03bc\u03b5 \u03bc\u03b9\u03b1 \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b5\u03c9\u03c2 \u03c4\u03bf\u03c5 3% \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 (\u03c4\u03ad\u03bb\u03b7 2023 &#8211; \u03c4\u03ad\u03bb\u03b7 2026), \u03c5\u03c0\u03cc \u03c4\u03b7\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03b1\u03c0\u03cc \u03b1\u03bc\u03bf\u03b9\u03b2\u03ad\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03bc\u03ae\u03b8\u03b5\u03b9\u03b5\u03c2 (\u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 UBS \u03b3\u03b9\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 10% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2). \u03a0\u03b9\u03bf \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03ae \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03b5\u03bd\u03ce \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03ba\u03b1\u03c4\u03b1\u03b3\u03c1\u03ac\u03c8\u03b5\u03b9 \u03b7 Eurobank (\u03ad\u03c9\u03c2 6% \u03b5\u03c4\u03ae\u03c3\u03b9\u03c9\u03c2) \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03b5\u03be\u03b1\u03b3\u03bf\u03c1\u03ac\u03c2 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae\u03c2 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2.<\/p>\n<p>\u039f\u03c5\u03c3\u03b9\u03b1\u03c3\u03c4\u03b9\u03ba\u03ac, \u03bf\u03b9 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\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\u03c2 \u03c3\u03b5 \u03c3\u03c5\u03bd\u03b4\u03c5\u03b1\u03c3\u03bc\u03cc \u03bc\u03b5 \u03bc\u03b9\u03b1 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 (\u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 UBS \u03b3\u03b9\u03b1 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 5,7% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2), \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03b7 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03bc\u03b7\u03b8\u03b5\u03b9\u03ce\u03bd (\u03b1\u03cd\u03be\u03b7\u03c3\u03b7 10,3% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2) \u03c3\u03c5\u03bc\u03b2\u03ac\u03bb\u03bb\u03bf\u03c5\u03bd \u03c3\u03c4\u03b7 \u03b4\u03b9\u03b1\u03c4\u03ae\u03c1\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd.<\/p>\n<h4><strong>\u039f\u03b9 \u00ab\u03ba\u03b1\u03c4\u03b1\u03bb\u03cd\u03c4\u03b5\u03c2\u00bb \u03b3\u03b9\u03b1 \u03ad\u03bd\u03b1 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 re &#8211; rating<\/strong><\/h4>\n<p>\u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1, \u03c0\u03b1\u03c1\u03ac \u03c4\u03bf \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf re &#8211; rating \u03c0\u03bf\u03c5 \u03ad\u03bb\u03b1\u03b2\u03b5 \u03c7\u03ce\u03c1\u03b1 \u03b1\u03c0\u03cc \u03c4\u03bf 2021,\u00a0<strong>\u03bf\u03b9 \u03b1\u03c0\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b4\u03b5\u03af\u03c7\u03bd\u03bf\u03c5\u03bd \u03b5\u03bb\u03ba\u03c5\u03c3\u03c4\u03b9\u03ba\u03ad\u03c2<\/strong>\u00a0\u03c3\u03c4\u03b7 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u00a0<strong>P\/TNAV \u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c4\u03bf\u03c5 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 ROTE<\/strong>,\u00a0<strong>\u03c4\u03cc\u03c3\u03bf \u03c3\u03b5 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03cc \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03b4\u03c5\u03cc\u03bc\u03b5\u03bd\u03c9\u03bd \u03b1\u03b3\u03bf\u03c1\u03ce\u03bd<\/strong>. \u03a4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c5\u03c8\u03b7\u03bb\u03cc (16% \u03ad\u03c9\u03c2 21%) \u03c3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c4\u03b7\u03c2 \u03b1\u03c0\u03cc\u03b4\u03bf\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 \u03b5\u03b3\u03c7\u03ce\u03c1\u03b9\u03bf\u03c5 \u03b4\u03b5\u03ba\u03b1\u03b5\u03c4\u03bf\u03cd\u03c2 \u03c4\u03af\u03c4\u03bb\u03bf\u03c5 \u03c3\u03c4\u03bf 3,7%.<\/p>\n<p>\u039f\u03b9 \u00ab\u03ba\u03b1\u03c4\u03b1\u03bb\u03cd\u03c4\u03b5\u03c2\u00bb \u03b3\u03b9\u03b1 \u03ad\u03bd\u03b1\u00a0<strong>\u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 re &#8211; rating<\/strong>\u00a0\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03c5\u03bd \u03bc\u03b9\u03b1\u00a0<strong>\u03c0\u03b9\u03b8\u03b1\u03bd\u03ae \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03bf\u03c5 guidance<\/strong>\u00a0\u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b4\u03b9\u03bf\u03b9\u03ba\u03ae\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf consensus \u03ba\u03b1\u03b9\u00a0<strong>\u03c4\u03c5\u03c7\u03cc\u03bd \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ad\u03c2 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c0\u03ac\u03c1\u03bf\u03b4\u03bf \u03c4\u03bf\u03c5 \u03c7\u03c1\u03cc\u03bd\u03bf\u03c5<\/strong>. \u00ab\u039f\u03b9 \u03c0\u03c1\u03bf\u03b2\u03bb\u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03b1\u03c0\u03bf\u03b4\u03cc\u03c3\u03b5\u03b9\u03c2 \u03bc\u03b1\u03c2 \u03b4\u03b5\u03bd \u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03b7 \u03b4\u03b9\u03b1\u03bd\u03bf\u03bc\u03ae \u03c0\u03bb\u03b5\u03bf\u03bd\u03ac\u03b6\u03bf\u03bd\u03c4\u03bf\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b8\u03b1 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03c3\u03b5 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae\u00bb \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03b5\u03b9 \u03bf Potgieter.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u03a4\u03b7\u03bd \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b1\u03c0\u03bf\u03c6\u03ac\u03c3\u03b9\u03c3\u03b5 \u03bd\u03b1 \u03be\u03b5\u03ba\u03b9\u03bd\u03ae\u03c3\u03b5\u03b9 \u03b7 UBS \u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 &#8220;\u03b1\u03b3\u03bf\u03c1\u03b1\u03c3\u03c4\u03ae\u03c2&#8221; \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03c4\u03b5\u03c3\u03c3\u03ac\u03c1\u03c9\u03bd \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03bc\u03b5 \u00a0\u03c5\u03c8\u03b7\u03bb\u03ad\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2\u00a0\u03ba\u03b1\u03b9\u00a0\u03c0\u03c1\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b7\u03bd \u0395\u03b8\u03bd\u03b9\u03ba\u03ae \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2. \u038c\u03c0\u03c9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03bf \u03b9\u03c3\u03c7\u03c5\u03c1\u03cc\u03c2 \u03b5\u03c0\u03b5\u03bd\u03b4\u03c5\u03c4\u03b9\u03ba\u03cc\u03c2 \u03bf\u03af\u03ba\u03bf\u03c2, \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b2\u03b3\u03b1\u03af\u03bd\u03bf\u03c5\u03bd \u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ac \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03ba\u03c1\u03af\u03c3\u03b7 \u03c7\u03c1\u03ad\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03b2\u03c1\u03af\u03c3\u03ba\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bc\u03b9\u03b1 \u03ba\u03b1\u03bb\u03ae \u03b8\u03ad\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ae \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":97825,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[73,60,22,136],"_links":{"self":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/97826"}],"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=97826"}],"version-history":[{"count":1,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/97826\/revisions"}],"predecessor-version":[{"id":97827,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/posts\/97826\/revisions\/97827"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=\/wp\/v2\/media\/97825"}],"wp:attachment":[{"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=97826"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=97826"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/banknews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=97826"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}