{"text_format":"1","workbook":"xlsx","n_sheets":17,"sheets":["Cover ","Financial highlights","EPS calculations","Balance sheet"," Analysis of selected BS items","PL","NII","NFI","OPEX","PL segment view","Performing loans","Loan portfolio quality","IFRS9 stages","NPE flow decomposition","Capital adequacy","Debt securities","Other information"],"not_rendered":{"charts":0,"images":2,"macros":1,"external_links":0,"defined_names":22,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Cover ","index":0,"n_rows":38,"n_cols":5,"rows_kept":38,"cut":false,"hidden":false,"merged":[[50,1,50,5],[41,1,41,5],[42,1,45,5],[12,1,12,5]]}
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[null,"H1 2024 DATA OF PIRAEUS FINANCIAL HOLDINGS"]
[]
[]
[]
[]
[null,null,null,"Financial highlights",1]
[null,null,null,"EPS calculations",2]
[null,null,null,"Consolidated balance sheet",3]
[null,null,null,"Analysis of selected balance sheet items",4]
[null,null,null,"Consolidated P&L",5]
[null,null,null,"Net interest income",6]
[null,null,null,"Net fee income",7]
[null,null,null,"Operating costs",8]
[null,null,null,"P&L segment view",9]
[null,null,null,"Performing loans",10]
[null,null,null,"Loan portfolio quality",11]
[null,null,null,"IFRS9 stages",12]
[null,null,null,"NPE flow decomposition",13]
[null,null,null,"Capital adequacy",14]
[null,null,null,"Debt securities",15]
[null,null,null,"Other information",16]
[null,null,null,"Branches"]
[null,null,null,"Employees "]
[null,null,null,"# Shares"]
[null,null,null,"Share & stock market data"]
[null,null,null,"Ratings"]

{"sheet":"Financial highlights","index":1,"n_rows":71,"n_cols":14,"rows_kept":71,"cut":false,"hidden":false,"merged":[[61,1,61,7],[4,1,4,13],[69,1,69,13],[66,1,66,13]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"FINANCIAL HIGHLIGHTS"]
[]
[]
[null,"(million €)"]
[null,"PROFIT/(LOSS)","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024","H1 2023","H1 2024"]
[null,"Net interest income",285.89500000000004,305.56799999999998,330.59200000000004,430.64700000000005,446.86599999999999,487.8,531.351,536.64499999999998,517.62899999999991,527.55799999999999,934.66599999999994,1045.1869999999999]
[null,"Net fee income",112.742032049264,120.972982314544,125.31730564699201,125.82767998919998,121.64700000000001,141.40600000000001,139.97699999999998,143.60599999999999,145.32,179.239,263.053,324.55899999999997]
[null,"       of which acquiring fees",7.0227117500000009,-0.59334710000000002,-0.10188483999999999,-0.67009458999999993,0,0,0,0,0,0,0,0]
[null,"Net trading result1",585.38900000000001,67.600000000000009,64.161000000000001,-3.6300000000000008,9.7540000000000013,29.241999999999997,-7.8949999999999996,31.995000000000001,-4.4270000000000005,7.47,38.995999999999995,3.0429999999999993]
[null,"Other operating result2",-2.3609999999999998,16.709,-6.8050000000000006,23.198,-1.48,3.5300000000000002,-10.244999999999999,9.7259999999999991,-66.650999999999996,11.755000000000001,2.0499999999999998,-54.895999999999994]
[null,"       of which one off trading & other operating items",510.7,109.277,52,0,0,0,0,0,-43.292000000000002,0,0,-43.292000000000002]
[null,"Net revenues",{"$f":"C10+C11+C13+C14","v":981.66503204926403},510.84998231454398,513.26530564699203,576.0426799892,576.78700000000003,661.97799999999995,653.18799999999999,721.97199999999998,{"$f":"K10+K11+K13+K14","v":591.87099999999987},726.02200000000005,1238.7650000000001,1317.8929999999998]
[null,"Staff costs",-91.200999999999993,-101.155,-121.26600000000001,-131.95599999999999,-96.718999999999994,-96.57,-80.358000000000004,-168.495,-100.86799999999999,-100.80200000000001,-193.28899999999999,-201.67000000000002]
[null,"General expenses",-81.31903204926401,-87.151982314544,-85.185305646991992,-83.882679989199985,-83.156999999999996,-78.429000000000002,-89.208000000000013,-64.234999999999999,-72.945999999999998,-73.254999999999995,-161.58600000000001,-146.20099999999999]
[null,"Depreciation",-29.591999999999999,-24.890999999999998,-25.213000000000001,-25.965,-26.146999999999998,-26.212,-26.484999999999999,-27.077999999999999,-28.614999999999998,-29.193999999999999,-52.358999999999995,-57.808999999999997]
[null,"Total OpEx",{"$f":"SUM(C17:C19)","v":-202.11203204926397},-213.19798231454399,-231.66430564699201,-241.80367998919999,-206.02299999999997,-201.21099999999998,-196.05100000000004,-259.80799999999999,{"$f":"SUM(K17:K19)","v":-202.429},-203.251,-407.23399999999998,-405.67999999999995]
[null,"       of which one off items",-4.1472708799999998,-6.6,-19.877649999999999,-30.314,-3.1720000000000002,-2.1745070000000002,-1.5662459999999996,-63.649000000000001,-9.6033038800000003,-4.2904095,-5.3465070000000008,-13.893713380000001]
[null,"Pre provision income reported",{"$f":"C16+C20","v":779.55300000000011},{"$f":"D16+D20","v":297.65199999999999},281.601,334.23900000000003,370.76400000000007,460.76699999999994,457.13699999999994,462.16399999999999,{"$f":"K16+K20","v":389.44199999999989},522.77100000000007,831.53100000000018,912.21299999999985]
[null,"Pre provision income normalized",{"$f":"C22-C15-C21-C12","v":265.97755913000015},195.56834709999998,249.58053483999998,365.22309459000007,373.93600000000009,462.94150699999994,458.70324599999992,525.81299999999999,{"$f":"K22-K15-K21-K12","v":442.33730387999992},527.06140950000008,836.87750700000015,969.39871337999989]
[null,"Impairments for loans",-229.72899999999998,-190.24100000000001,-91.522999999999996,-103.126,-95.394000000000005,-283.02799999999996,-75.676999999999992,-104.504,-58.474000000000004,-43.260999999999996,-378.42199999999997,-101.735]
[null,"       of which inorganic (losses on NPE sales)3",-151.6,-117.35,-18.381,-33.1,-20.760999999999999,-180.79911400999998,0,-51.51,-12.14,0,-201.56011400999998,-12.14]
[null,"Other impairments & associates' income",-7.7380000000000013,-14.417000000000002,-18.779999999999998,-0.59500000000000597,-20.998000000000001,-43.989000000000004,-2.1039999999999957,-46.639000000000003,-6.0240000000000009,-27.35,-64.987000000000009,-33.374000000000002]
[null,"       of which one off items4",0,0,0,25.8,0,0,0,0,0,0,0,0]
[null,"Profit before tax reported",{"$f":"C22+C24+C26","v":542.08600000000001},{"$f":"D22+D24+D26","v":92.993999999999971},{"$f":"E22+E24+E26","v":171.298},{"$f":"F22+F24+F26","v":230.51800000000003},254.37200000000007,133.74999999999997,{"$f":"I22+I24+I26","v":379.35599999999994},311.02099999999996,324.9439999999999,452.16000000000008,388.12200000000018,777.10399999999981]
[null,"Profit before tax normalized",{"$f":"C23+C24+C26-C25","v":180.11055913000015},{"$f":"D23+D24+D26-D25","v":108.26034709999996},{"$f":"E23+E24+E26-E25","v":157.65853483999999},{"$f":"F23+F24+F26-F25-F27","v":268.80209459000008},278.30500000000012,316.72362100999999,{"$f":"I23+I24+I26-I25-I27","v":380.92224599999992},426.17999999999995,{"$f":"K23+K24+K26-K25-K27","v":389.97930387999992},456.45040950000009,595.02862101000017,846.42971337999984]
[null,"Tax",-22.04,-0.28899999999999998,-55.845999999999997,-61.52,-75.64,-14.627000000000001,-102.38800000000001,-99.454999999999998,-91.998000000000005,-120.983,-90.266999999999996,-212.98099999999999]
[null,"Tax normalized5",-46.828745373799997,-28.147690246,-40.991219058400013,-69.888544593399999,-75.64,-79.180905252499997,-102.38800000000001,-99.454999999999998,-110.8582381252,-122.22721875500001,-154.82090525249998,-233.08545688020001]
[null,"Minorities",-1.2170000000000001,0.24299999999999999,-0.19400000000000001,-0.56399999999999995,-1.0289999999999999,-0.56000000000000005,-0.41099999999999998,0.32400000000000001,-0.186,1.17,-1.589,0.98399999999999999]
[null,"Net profit core ",{"$f":"C28+C31-C25-C21-C13-C32-C12-C14","v":62.170813756199898},{"$f":"D28+D31-D25-D21-D13-D32-D12-D14","v":104.83765685399996},{"$f":"E28+E31-E25-E21-E13-E32-E12-E14","v":111.50531578159998},{"$f":"F28+F31-F25-F21-F13-F32-F12-F27-F14","v":179.90954999659996},195.42000000000007,205.33071575749997,297.08524599999993,284.67999999999995,{"$f":"K28+K31-K25-K21-K13-K32-K12-K27-K14","v":307.09306575479991},313.82819074500003,400.75071575750019,620.92125649979971]
[null,"Trading & other income normalized",72.328000000000031,-24.967999999999961,5.3560000000000514,19.567999999999984,8.2740000000000578,32.771999999999878,-18.139999999999873,41.721000000000004,-27.786000000000001,19.225000000000023,41.045999999999935,-8.5609999999999786]
[null,"Net profit normalized6",{"$f":"C34+C33","v":134.49881375619992},{"$f":"D34+D33","v":79.869656853999999},116.86131578160003,199.47754999659995,203.69400000000013,238.10271575749985,{"$f":"I34+I33","v":278.94524600000005},{"$f":"J34+J33","v":326.40099999999995},{"$f":"K34+K33","v":279.30706575479991},{"$f":"L34+L33","v":333.05319074500005},{"$f":"M34+M33","v":441.79671575750012},{"$f":"N34+N33","v":612.36025649979979}]
[null,"Net profit from continuing operations attributable to SHs",{"$f":"C28+C30-C32","v":521.26300000000003},{"$f":"D28+D30-D32","v":92.461999999999975},{"$f":"E28+E30-E32","v":115.646},{"$f":"F28+F30-F32","v":169.56200000000001},179.76100000000008,119.68299999999998,{"$f":"I28+I30-I32","v":277.37899999999996},{"$f":"J28+J30-J32","v":211.24199999999996},{"$f":"K28+K30-K32","v":233.13199999999992},{"$f":"L28+L30-L32","v":330.00700000000006},{"$f":"M28+M30-M32","v":299.44400000000019},{"$f":"N28+N30-N32","v":563.13899999999978}]
[]
[null,"BALANCE SHEET","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30","2023-06-30","2024-06-30"]
[null,"Assets adjusted9 (excl. discontinued operations, seasonal OPEKEPE)",79384.396000000008,81755.793999999994,82656.067999999985,73127.693443138691,74679.885999999999,76982.615999999995,79258.884000000005,75499.738261459977,77250.433999999994,76625.849000000002,{"$f":"H39","v":76982.615999999995},{"$f":"L39","v":76625.849000000002}]
[null,"Gross loans7",37157.484811379974,37012.81045081999,37723.699318710009,38849.670370129999,36823.953307999996,36987.841641749998,37298.183124290001,38398.370784270002,37198.035780430007,38398.539018700001,36987.841641749998,38398.539018700001]
[null,"      of which NPEs7",4721.7395479699999,3425.745327170001,3331.29172062,2624.3162290799996,2441.5529170199989,2048.5796317300005,2045.45625649,1329.3203579900003,1302.6420000000001,1263.5071478100012,2048.5796317300005,1263.5071478100012]
[null,"Net loans (excl. seasonal OPEKEPE)7",35076.957999999999,35445.339,36093.035000000003,35900.877433000001,35464.218000000001,35823.851999999999,36126.286,36628.649683999996,36414.089999999997,37655.427000000003,35823.851999999999,37655.427000000003]
[null,"Tangible equity",5303.9160000000002,5312.3940000000002,5426.1260000000002,5640.7839999999997,5825.1,5920.1880000000001,6170.9849999999997,6350.7669999999998,6589.1220000000003,6782.1379999999999,5920.1880000000001,6782.1379999999999]
[null,"Total equity",6189.0199999999977,6212.8239999999987,6354.0249999999996,6580.6560000000009,6765.2150000000011,6892.6440000000002,7145.3239999999996,7353.4609999999993,7590.5529999999999,7804.45,6892.6440000000002,7804.45]
[]
[null,"RATIOS & METRICS","Q1.22","Q2.22","Q3.22","Q4.22","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024","H1 2023","H1 2024"]
[null,"Core EPS (€) adjusted for AT1 coupon",{"$f":"(C33-(600*8.75%/4))/1250.367223","v":3.9225127509760309E-2},7.3348577255531566E-2,7.8681137806505014E-2,{"$f":"(F33-(600*8.75%/4))/1250.367223","v":0.13338845335087607},{"$f":"(G33-(600*8.75%/4))/1250.367223","v":0.14579316911604623},0.15371941316275209,{"$f":"(I33-(600*8.75%/4))/1250.367223","v":0.22710147929077626},0.21718019714916981,{"$f":"(K33-(600*8.75%/4))/1250.367223","v":0.23510538372037917},0.24049190127003195,{"$f":"(M33-(600*8.75%/2))/1250.367223","v":0.2995125822787984},{"$f":"(N33-(600*8.75%/2))/1250.367223","v":0.47559728499041093}]
[null,"Normalized EPS (€) adjusted for AT1 coupon",{"$f":"(C35-(600*8.75%/4))/1250.367223","v":9.7070533778859242E-2},{"$f":"(D35-(600*8.75%/4))/1250.367223","v":5.338004357940531E-2},{"$f":"(E35-(600*8.75%/4))/1250.367223","v":8.2964679394510993E-2},{"$f":"(F35-(600*8.75%/4))/1250.367223","v":0.14903825577695901},{"$f":"(G35-(600*8.75%/4))/1250.367223","v":0.15241042510916822},0.1799293132602372,{"$f":"(I35-(600*8.75%/4))/1250.367223","v":0.21259374135081599},0.25054719464603237,{"$f":"(K35-(600*8.75%/4))/1250.367223","v":0.21288311214376732},0.25586738428523254,{"$f":"(M35-(600*8.75%/2))/1250.367223","v":0.3323397383694055},{"$f":"(N35-(600*8.75%/2))/1250.367223","v":0.46875049642899974}]
[null,"Reported EPS (€) adjusted for AT1 coupon",0.40639101109898501,{"$f":"(D36-(600*8.75%/4))/1250.367223","v":6.3450959478645874E-2},{"$f":"(E36-(600*8.75%/4))/1250.367223","v":8.1992712312165275E-2},{"$f":"(F36-(600*8.75%/4))/1250.367223","v":0.12511284454870905},{"$f":"(G36-(600*8.75%/4))/1250.367223","v":0.13326964825596688},8.5221363804095798E-2,{"$f":"(I36-(600*8.75%/4))/1250.367223","v":0.21134111254610197},0.1584470516786731,{"$f":"(K36-(600*8.75%/4))/1250.367223","v":0.17595390854227463},0.25343114740300582,{"$f":"(M36-(600*8.75%/2))/1250.367223","v":0.21849101206006277},{"$f":"(N36-(600*8.75%/2))/1250.367223","v":0.42938505594528031}]
[null,"RoaTBV normalized adjusted for AT1 coupon",{"$f":"(C35-(600*8.75%/4))*4/5112","v":9.4971685255242508E-2},{"$f":"(D35-(600*8.75%/4))*4/AVERAGE(C43:D43)","v":5.0295936613757503E-2},7.7281648332619413E-2,0.13470972475359425,0.13296419185821182,0.15323776871712289,0.17587722613844006,{"$f":"(J35-(600*8.75%/4))*4/AVERAGE(I43:J43)","v":0.2001483498475293},{"$f":"(K35-(600*8.75%/4))*4/AVERAGE(J43:K43)","v":0.1645652853775175},{"$f":"(L35-(600*8.75%/4))*4/AVERAGE(K43:L43)","v":0.19141244175642388},{"$f":"(M35-(600*8.75%/2))*2/AVERAGE(H43,F43)","v":0.14377570182074662},{"$f":"(N35-(600*8.75%/2))*2/AVERAGE(J43,L43)","v":0.17851656019739726}]
[null,"RoaA normalized adjusted for AT1 coupon",{"$f":"(C35-(600*8.75%/4))*4/78793","v":6.1616546523777455E-3},{"$f":"(D35-(600*8.75%/4))*4/((D39+C39)/2)","v":3.3136193697674053E-3},5.0476316985741598E-3,9.5698061605538481E-3,1.0314437228075259E-2,1.1867282303307901E-2,1.3610737019293852E-2,{"$f":"(J35-(600*8.75%/4))*4/((J39+I39)/2)","v":1.6194302865825707E-2},{"$f":"(K35-(600*8.75%/4))*4/((K39+J39)/2)","v":1.394077986631297E-2},{"$f":"(L35-(600*8.75%/4))*4/((L39+K39)/2)","v":1.663300851866821E-2},{"$f":"(M35-(600*8.75%/2))*2/((M39+F39)/2)","v":1.1073102634963469E-2},{"$f":"(N35-(600*8.75%/2))*2/((N39+J39)/2)","v":1.5411220874827467E-2}]
[null,"TBV per share",{"$f":"C43/1250.367223","v":4.241886625334228},4.2486670333967966,4.3396259116430791,4.5113018769526718,4.6587113712272998,4.7347594299502846,4.9353381042682685,5.0791214638229523,{"$f":"K43/1250.367223","v":5.2697494614348193},5.4241169116122938,4.7347594299502846,5.4241169116122938]
[null,"Net profit over revenues core adjusted for AT1 coupon",{"$f":"(C33-(600*8.75%/4))/(C10+C11-C12)","v":0.12524009264707187},0.21471619239714787,0.21574101213730262,0.29935585436041989,0.32065229818843205,0.30547343120933362,0.422982872753706,0.39919823712129782,{"$f":"(K33-(600*8.75%/4))/(K10+K11-K12)","v":0.44342485734920783},0.42544491663801631,{"$f":"(M33-(600*8.75%/2))/(M10+M11-M12)","v":0.31267827909342688},{"$f":"(N33-(600*8.75%/2))/(N10+N11-N12)","v":0.43414710209031437}]
[null,"NPE ratio",{"$f":"C41/C40","v":0.12707371265678091},{"$f":"D41/D40","v":9.2555666144884877E-2},{"$f":"E41/E40","v":8.8307662842805099E-2},{"$f":"F41/F40","v":6.7550540431296283E-2},6.6303389443239713E-2,5.538521689293889E-2,{"$f":"I41/I40","v":5.4840640619781847E-2},3.4619186461279761E-2,{"$f":"K41/K40","v":3.5019107129450201E-2},3.2905083893808466E-2,5.538521689293889E-2,3.2905083893808466E-2]
[null,"NII/Assets",{"$f":"NII!C37","v":1.4513780822707293E-2},{"$f":"NII!D37","v":1.5170293643069429E-2},{"$f":"NII!E37","v":1.6086041285755897E-2},{"$f":"NII!F37","v":2.2115116287376942E-2},{"$f":"NII!G37","v":2.4186364552267556E-2},{"$f":"NII!H37","v":2.5730816441364001E-2},{"$f":"NII!I37","v":2.7206651241827556E-2},2.774100684837344E-2,2.7109835221081534E-2,2.7427644583798531E-2,2.4906110805242153E-2,2.7482214368148999E-2]
[null,"NFI/Assets",{"$f":"(C11-C12)*4/78793","v":5.3669397179578896E-3},{"$f":"(D11-D12)*4/((D39+C39)/2)","v":6.0353077361789877E-3},6.1026832960260268E-3,6.4960698551560841E-3,6.5840737238673152E-3,7.4589828407288193E-3,7.1672122963489203E-3,7.423482990557102E-3,{"$f":"(K11-K12)*4/((K39+J39)/2)","v":7.6108588474130484E-3},{"$f":"(L11-L12)*4/((L39+K39)/2)","v":9.3186030494380994E-3},{"$f":"(M11-M12)*2/((M39+F39)/2)","v":7.0095918388508455E-3},{"$f":"(N11-N12)*2/((N39+J39)/2)","v":8.5339752724747555E-3}]
[null,"Cost-to-income ratio core",{"$f":"-(C20-C21)/(C10+C11-C12)","v":0.50550950490774482},0.48368386263337726,0.46443302284055094,0.37959555512107929,0.35680978271385166,0.31632961700937368,0.28970153784737124,0.28836267789389503,{"$f":"-(K20-K21)/(K10+K11-K12)","v":0.29086052791391198},0.28149608798565923,0.33554405749595689,0.28602842178038845]
[null,"CoR underlying",5.0216679564972534E-3,5.1457259302838121E-3,4.9522019968672604E-3,1.9413453091799828E-3,4.0239996268915338E-3,7.700620884655284E-3,5.220907568522266E-3,2.7274824723784387E-3,1.6941793684807174E-3,2.1094436135327844E-3,5.8421118823291252E-3,1.8738865980725697E-3]
[null,"CoR organic",{"$f":"-(C24-C25)/C42*4","v":8.9094384980590389E-3},{"$f":"-(D24-D25)/D42*4","v":8.2257359705319808E-3},{"$f":"-(E24-E25)/E42*4","v":8.1059406614046158E-3},7.8021491403028808E-3,8.4178368179442173E-3,1.1414616830149922E-2,8.3791619210455224E-3,5.7871639230150131E-3,{"$f":"-(K24-K25)/K42*4","v":5.0896781987412026E-3},4.595459772637818E-3,{"$f":"-(M24-M25)/M42*2","v":9.8739736860234909E-3},{"$f":"-(N24-N25)/N42*2","v":4.7586766178484702E-3}]
[null,"CET 1 ratio FL8",9.7720359906705107E-2,9.5050723061205031E-2,0.10401128214699894,0.11620325546744002,{"$f":"'Capital adequacy'!G33","v":0.12160683641678371},{"$f":"'Capital adequacy'!H24","v":0.12337089117031681},0.12874425277295676,0.13289708415017934,0.13679298459395386,0.14178005032744298,{"$f":"H60","v":0.12337089117031681},{"$f":"L60","v":0.14178005032744298}]
[null,"Total capital ratio FL8",0.14550610577225456,0.14306420459819125,0.15149375077383412,0.16515096189960904,{"$f":"'Capital adequacy'!G34","v":0.16966286420852666},{"$f":"'Capital adequacy'!H25","v":0.17106045000593989},0.1755583398694478,0.18189260602297253,0.18520436549105904,0.18997975405132414,{"$f":"H61","v":0.17106045000593989},{"$f":"L61","v":0.18997975405132414}]
[]
[null,"1. Q3.23 net trading result mainly derived from market making and other primary market activity"]
[null,"2. Other operating result includes dividend income"]
[null,"3. Q3.2023 onwards inorganic impairments for loans include only losses on NPE sales transactions"]
[null,"4. For an analysis of all PnL one-off items refer to spreadsheet \"EPS calculations\""]
[null,"5. Normalized profits are calculated under an assumption of normalized tax rate. A projected effective corporate tax rate of 26% has been used for 2022 and 2023, based on Piraeus business plan assumptions for 2023"]
[null,"6. As of Q1.2024 normalized profits are calculated adjusting one-off items for the 29% tax rate"]
[null,"7. Gross loans, Net loans and NPEs include loans and advances to customers at fair valued through P&L"]
[null,"8. Capital ratios for June and September 2023 are pro-forma for the RWA relief from the Sunrise 3, Solar NPE securitizations and the RWA of the Delta and Wheel NPE portfolios, classified as HFS as at 30 September 2023; capital ratios for December 2023 are pro forma for RWA relief mainly from the Solar NPE securitizations and the RWA of the Delta, Monza NPE portfolios, classified as HFS as at 31 December 2023 as well as the capital accretion from the new issuance of Tier 2 in January 2024; Capital ratios for March 2024 are pro forma for RWA relief mainly from the Solar NPE securitizations and the RWA of the Delta, Monza NPE portfolios, classified as HFS as at 31 March 2024; Capital ratios for June 2024 are pro forma for the RWA relief mainly from the Solar NPE securitization and the Monza NPE portfolio, classified as HFS as at 30 June  2024 and taking into account the revised credit quality step (CQS) mapping of the ICAP-CRIF external credit assessment institution (‘ECAI’), as per the recently published EU Commission Implementing Regulation (EU) 2024/1872 of 1 July 2024"]
[null,"9. Assets for 31 December 2022 have been reclassified for comparative purposes "]

{"sheet":"EPS calculations","index":2,"n_rows":63,"n_cols":14,"rows_kept":63,"cut":false,"hidden":false,"merged":[[4,1,4,13],[55,1,55,13],[61,1,61,13],[52,2,52,13],[62,1,62,13]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"EPS CALCULATIONS"]
[]
[]
[null,"(million €)"]
[null,"GROUP FIGURES","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024","H1 2023","H1 2024"]
[null,"Net interest income",285.89500000000004,305.56799999999998,330.59200000000004,430.64700000000005,446.86599999999999,487.8,531.351,536.64499999999998,517.62899999999991,527.55799999999999,934.66599999999994,1045.1869999999999]
[null,"Net fee income & rental/non bank income (1)",105.719320299264,121.566329414544,125.41919048699201,126.49777457919998,121.64700000000001,141.40600000000001,139.97699999999998,143.60599999999999,145.32,179.239,263.053,324.55899999999997]
[null,"Operating expenses",-197.96476116926397,-206.597982314544,-211.78665564699202,-211.4896799892,-202.85099999999997,-199.03649299999998,-194.48475400000004,-196.15899999999999,-192.82569612,-198.9605905,-401.88749299999995,-391.78628662]
[null,"          of which staff costs recurring",-91.200999999999993,-94.555000000000007,-101.38835,-101.642,-93.546999999999997,-94.395492999999988,-94.291753999999997,-104.846,-91.264696119999996,-96.511590500000011,-187.94249299999998,-187.77628662000001]
[null,"          of which G&A costs recurring",-81.31903204926401,-87.151982314544,-85.185305646991992,-83.882679989199985,-83.156999999999996,-78.429000000000002,-73.708000000000013,-64.234999999999999,-72.945999999999998,-73.254999999999995,-161.58600000000001,-146.20099999999999]
[null,"          of which depreciation recurring",-25.444729119999998,-24.890999999999998,-25.213000000000001,-25.965,-26.146999999999998,-26.212,-26.484999999999999,-27.077999999999999,-28.614999999999998,-29.193999999999999,-52.358999999999995,-57.808999999999997]
[null,"Underlying cost of risk",-44.036208999999992,-45.59800000000002,-44.684999999999988,-17.424000000000014,-35.677000000000007,-68.966475719999991,-47.152999999999992,-24.976000000000006,-15.423,-19.857999999999997,-104.64347572,-35.280999999999999]
[null,"Servicing fees",-29.140056999999999,-21.292999999999999,-19.511053,-39.053965949999998,-26.088285000000003,-20.325688550000002,-17.27913315,-16.852737560000001,-20.556513000000002,-14.782999999999999,-46.413973550000009,-35.339513000000004]
[null,"Credit protection costs",-4.9527340000000004,-6,-8.9459470000000003,-13.54803405,-12.867715,-12.93672172,-11.244866849999999,-11.165262439999999,-10.354487000000001,-8.6199999999999992,-25.804436719999998,-18.974487]
[null,"Impairment on other assets (2)",-3.3130000000000011,-9.418000000000001,-19.056999999999999,-38.635000000000005,-10.359000000000002,-32.141000000000005,-17.818999999999996,-38.191000000000003,-28.539000000000001,-15.302,-42.500000000000007,-43.841000000000001]
[null,"Associates' income",-4.4249999999999998,-4.9989999999999997,0.27700000000000002,12.239999999999998,-10.638999999999999,-11.848000000000001,15.715,-8.4480000000000004,22.515000000000001,-12.048,-22.487000000000002,10.467000000000001]
[null,"Core operating income",{"$f":"SUM(C10:C12)+SUM(C16:C20)","v":107.78255913000005},133.22834709999995,152.30253484000005,249.23409458999996,270.03100000000001,283.95162101000005,{"$f":"SUM(I10:I12)+SUM(I16:I20)","v":399.06224599999996},384.45899999999995,417.76530387999986,437.22540950000007,553.98262101000012,854.99071337999976]
[null,"Tax",-22.04,-0.28899999999999998,-55.845999999999997,-61.52,-75.64,-14.627000000000001,-102.38800000000001,-99.454999999999998,-91.998000000000005,-120.983,-90.266999999999996,-212.98099999999999]
[null,"Tax normalized",-46.828745373799997,-28.147690246,-40.991219058400013,-69.888544593399999,-75.64,-79.180905252499997,-102.38800000000001,-99.454999999999998,-110.8582381252,-122.22721875500001,-154.82090525249998,-233.08545688020001]
[null,"Minorities",1.2170000000000001,-0.24299999999999999,0.19400000000000001,0.56399999999999995,1.0289999999999999,0.56000000000000005,0.41099999999999998,-0.32400000000000001,0.186,-1.17,1.589,-0.98399999999999999]
[null,"Core operating profit",{"$f":"C21+C23+C24","v":62.170813756200054},{"$f":"D21+D23+D24","v":104.83765685399996},{"$f":"E21+E23+E24","v":111.50531578160003},179.90954999659996,195.42000000000002,205.33071575750006,{"$f":"I21+I23+I24","v":297.08524599999993},{"$f":"J21+J23+J24","v":284.67999999999995},{"$f":"K21+K23+K24","v":307.09306575479985},{"$f":"L21+L23+L24","v":313.82819074500003},{"$f":"M21+M23+M24","v":400.75071575750013},{"$f":"N21+N23+N24","v":620.92125649979971}]
[]
[null,"AT1 coupon",-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,{"$f":"G27+H27","v":-26.25},{"$f":"K27+L27","v":-26.25}]
[null,"Core operating profit adjusted for AT1 cpn",{"$f":"C25+C27","v":49.045813756200054},{"$f":"D25+D27","v":91.71265685399996},{"$f":"E25+E27","v":98.380315781600032},166.78454999659996,182.29500000000002,192.20571575750006,{"$f":"I25+I27","v":283.96024599999993},271.55499999999995,293.96806575479985,300.70319074500003,374.50071575750013,594.67125649979971]
[null,"Core EPS",{"$f":"C28/(C53/1000000)","v":3.9225127509760434E-2},{"$f":"D28/(C53/1000000)","v":7.3348577255531566E-2},{"$f":"E28/(C53/1000000)","v":7.8681137806505055E-2},{"$f":"F28/(C53/1000000)","v":0.13338845335087607},{"$f":"G28/(C53/1000000)","v":0.14579316911604617},{"$f":"H28/(C53/1000000)","v":0.15371941316275217},{"$f":"I28/(C53/1000000)","v":0.22710147929077626},{"$f":"J28/(C53/1000000)","v":0.21718019714916981},{"$f":"K28/(C53/1000000)","v":0.23510538372037912},{"$f":"L28/(C53/1000000)","v":0.24049190127003195},{"$f":"M28/(C53/1000000)","v":0.2995125822787984},{"$f":"N28/(C53/1000000)","v":0.47559728499041093}]
[]
[null,"Core operating profit",{"$f":"C25","v":62.170813756200054},{"$f":"D25","v":104.83765685399996},{"$f":"E25","v":111.50531578160003},{"$f":"F25","v":179.90954999659996},{"$f":"G25","v":195.42000000000002},205.33071575750006,{"$f":"I25","v":297.08524599999993},{"$f":"J25","v":284.67999999999995},{"$f":"K25","v":307.09306575479985},313.82819074500003,400.75071575750013,620.92125649979971]
[null,"Net trading result normalized (3)",74.689000000000021,-41.676999999999992,12.161000000000001,-3.6300000000000008,9.7540000000000013,29.241999999999997,-7.8949999999999996,31.995000000000001,-4.4270000000000005,7.47,38.995999999999995,3.0429999999999993]
[null,"Other operating result normalized (4)",-2.3609999999999998,16.709,-6.8050000000000006,23.198,-1.48,3.5300000000000002,-10.244999999999999,9.7259999999999991,-23.358999999999995,11.755000000000001,2.0499999999999998,-11.603999999999992]
[null,"Normalized operating profit(5)",{"$f":"C31+C32+C33","v":134.49881375620009},79.86965685399997,{"$f":"E31+E32+E33","v":116.86131578160003},199.47754999659998,203.69400000000002,238.10271575750005,{"$f":"I31+I32+I33","v":278.94524599999994},{"$f":"J31+J32+J33","v":326.40099999999995},{"$f":"K31+K32+K33","v":279.30706575479985},{"$f":"L31+L32+L33","v":333.05319074500005},{"$f":"M31+M32+M33","v":441.79671575750012},{"$f":"N31+N32+N33","v":612.36025649979968}]
[]
[null,"AT1 coupon (mn)",-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,{"$f":"G36+H36","v":-26.25},{"$f":"K36+L36","v":-26.25}]
[null,"Normalized operating profit adjusted for AT1 cpn (mn)",{"$f":"C34+C36","v":121.37381375620009},{"$f":"D34+D36","v":66.74465685399997},{"$f":"E34+E36","v":103.73631578160003},{"$f":"F34+F36","v":186.35254999659998},{"$f":"G34+G36","v":190.56900000000002},{"$f":"H34+H36","v":224.97771575750005},{"$f":"I34+I36","v":265.82024599999994},{"$f":"J34+J36","v":313.27599999999995},{"$f":"K34+K36","v":266.18206575479985},319.92819074500005,415.54671575750012,586.11025649979968]
[null,"Normalized EPS",{"$f":"C37/(C53/1000000)","v":9.707053377885938E-2},{"$f":"D37/(C53/1000000)","v":5.338004357940529E-2},{"$f":"E37/(C53/1000000)","v":8.2964679394510993E-2},{"$f":"F37/(C53/1000000)","v":0.14903825577695903},{"$f":"G37/(C53/1000000)","v":0.15241042510916814},{"$f":"H37/(C53/1000000)","v":0.17992931326023737},{"$f":"I37/(C53/1000000)","v":0.21259374135081591},{"$f":"J37/(C53/1000000)","v":0.25054719464603237},{"$f":"K37/(C53/1000000)","v":0.21288311214376726},{"$f":"L37/(C53/1000000)","v":0.25586738428523254},{"$f":"M37/(C53/1000000)","v":0.3323397383694055},{"$f":"N37/(C53/1000000)","v":0.46875049642899963}]
[]
[null,"Normalized Operating Profit(5)",{"$f":"C34","v":134.49881375620009},{"$f":"D34","v":79.86965685399997},{"$f":"E34","v":116.86131578160003},199.47754999659998,{"$f":"G34","v":203.69400000000002},238.10271575750005,{"$f":"I34","v":278.94524599999994},{"$f":"J34","v":326.40099999999995},{"$f":"K34","v":279.30706575479985},333.05319074500005,441.79671575750012,612.36025649979968]
[null,"Inorganic impairments (losses on NPE sales)(6)",-151.6,-117.35,-18.381,-33.1,-20.760999999999999,-180.79911400999998,0,-51.51,-12.14,0,-201.56011400999998,-12.14]
[null,"Merchant acquiring business carveout",281,0,0,0,0,0,0,0,0,0,0,0]
[null,"Fee, trading and other operating result one offs",236.72271175,108.6836529,51.898115160000003,-0.67009458999999993,0,0,0,0,-43.292000000000002,0,0,-43.292000000000002]
[null,"Operating costs one offs(7)",-4.1472708799999998,-6.6,-19.877649999999999,-30.314,-3.1720000000000002,-2.1745070000000002,-1.5662459999999996,-63.649000000000001,-9.6033038800000003,-4.2904095,-5.3465070000000008,-13.893713380000001]
[null,"Associates' income one-off",0,0,0,25.8,0,0,0,0,0,0,0,0]
[null,"Tax normalization adjustment (8)",24.788745373799998,27.858690245999998,-14.854780941599984,8.3685445933999958,0,64.553905252500002,0,0,{"$f":"-K23+K22","v":18.860238125199999},{"$f":"-L23+L22","v":1.2442187550000057},{"$f":"-M23+M22","v":64.553905252499987},{"$f":"-N23+N22","v":20.104456880200019}]
[null,"Reported net profit",{"$f":"SUM(C40:C46)","v":521.26300000000015},92.461999999999975,115.64600000000004,169.56200000000001,179.76100000000002,{"$f":"SUM(H40:H46)","v":119.68300000000008},277.37899999999996,211.24199999999996,233.13199999999986,330.00700000000006,299.44400000000013,563.13899999999967]
[]
[null,"AT1 coupon (mn)",-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,{"$f":"G49+H49","v":-26.25},{"$f":"K49+L49","v":-26.25}]
[null,"Reported net profit adjusted for AT1 cpn (mn)",{"$f":"C47+C49","v":508.13800000000015},{"$f":"D47+D49","v":79.336999999999975},{"$f":"E47+E49","v":102.52100000000004},{"$f":"F47+F49","v":156.43700000000001},{"$f":"G47+G49","v":166.63600000000002},{"$f":"H47+H49","v":106.55800000000008},{"$f":"I47+I49","v":264.25399999999996},{"$f":"J47+J49","v":198.11699999999996},{"$f":"K47+K49","v":220.00699999999986},316.88200000000006,273.19400000000013,536.88899999999967]
[null,"Reported EPS adjusted",{"$f":"C50/(C53/1000000)","v":0.40639101109898507},{"$f":"D50/(C53/1000000)","v":6.3450959478645874E-2},{"$f":"E50/(C53/1000000)","v":8.1992712312165303E-2},{"$f":"F50/(C53/1000000)","v":0.12511284454870905},{"$f":"G50/(C53/1000000)","v":0.13326964825596682},{"$f":"H50/(C53/1000000)","v":8.5221363804095882E-2},{"$f":"I50/(C53/1000000)","v":0.21134111254610197},{"$f":"J50/(C53/1000000)","v":0.1584470516786731},{"$f":"K50/(C53/1000000)","v":0.17595390854227461},{"$f":"L50/(C53/1000000)","v":0.25343114740300582},{"$f":"M50/(C53/1000000)","v":0.21849101206006272},{"$f":"N50/(C53/1000000)","v":0.42938505594528026}]
[]
[null,"Outstanding number of shares (#)",1250367223]
[null,"* For simplification, all EPS figures are calculated with the current number of shares; normalized core and operating profits include tax expense in its totality"]
[]
[null,"(1) Q1, Q2, Q3.2022 net fee  & rental income and general expenses have been restated to reflect the reclassification of fees paid to card services provider, which were previously included within general expenses to net fee income as an expense. Comparative information have been restated backwards for 2021 in order to align with the aforementioned changes"]
[null,"(2) Q3.2023 impairments on other assets include small impact from Sunshine closing"]
[null,"(3) Q3.2023 net trading result mainly derived from market making and other primary market activity"]
[null,"(4) Other operating result includes dividend income"]
[null,"(5) As of Q1.2024 normalized profits incorporate one-off items post 29% tax rate"]
[null,"(6) Q3.2023 onwards inorganic impairments for loans include only losses on NPE sales transactions; Q4.2023 impairments relate with Monza NPE loan portfolio"]
[null,"(7) Q3.2023 one-offs comprise €15mn reversal of talent retention accruals due to share buyback and €1mn VES costs booked in staff costs and €15.5mn extraordinary costs to mitigate impact from wildfires and extreme weather phenomena booked in G&A costs;\n Q4.2023 one-offs comprise €56mn VES costs, €4mn share buyback accruals expensed for talent retention and €4mn subsidy for low paid employees booked in staff costs. H1.2024 one-offs refer to VES costs"]
[null,"(8) Normalized profits are calculated under an assumption of normalized tax rate. A projected effective corporate tax rate of 26% has been used for 2022 and 2023, based on Piraeus business plan assumptions for 2023. As of Q1.2024 normalized profits are calculated adjusting one-off items for the 29% tax rate"]

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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"CONSOLIDATED BALANCE SHEET"]
[]
[]
[]
[null,"(million €)","2022-03-31","2022-06-30","2022-09-30","31/12/2022(10)","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30",null,"QoQ"]
[null,"ASSETS"]
[null,"1. Cash and balances with central banks",17962.309000000001,17900.582999999999,18296.858,9653.3209999999999,9575.5249999999996,10606.468999999999,12687.053,10567.495999999999,11108.459000000001,8754.6980000000003,null,{"$f":"L11/K11-1","v":-0.21188906580111611}]
[null,"2. Loans and advances to credit institutions  ",713.46199999999999,764.02,791.03899999999999,1414.6933094702283,952.57899999999995,725.86500000000001,737.42499999999995,1034.0170000000001,1614.3720000000001,1453.297,null,{"$f":"L12/K12-1","v":-9.9775640310907354E-2}]
[null,"3. Gross loans and advances to customers ",37066.123,36923.947999999997,37634.457999999999,38787.358,36761.303,36924.800999999999,37235.016000000003,38345.618999999999,37147.894,38348.089999999997,null,3.2308587937717181E-2]
[null,"4. Cumulative provisions",2066.942,1554.865,1619.0719999999999,1420.854,1348.92,1152.9960000000001,1160.7080000000001,818.95799999999997,783.85199999999998,742.88,null,-5.2270071391027906E-2]
[null,"5. Net loans",34999.180999999997,35369.082999999999,36015.385999999999,37366.504000000001,35412.383000000002,35771.805,36074.308000000005,37526.661,36364.042000000001,37605.21,null,3.4131739260448546E-2]
[null,"6. Securities inc. derivatives",12726.203000000001,14168.24,13902.302,12691.621882388476,15124.817000000001,16006.099,16048.777,14076.643,14964.045999999998,15579.439,null,{"$f":"L16/K16-1","v":4.1124773340044607E-2}]
[null,"7. Investments in associates",540.50900000000001,534.07399999999996,669.65599999999995,1023.0170000000001,1039.75,1077.6510000000001,1207.057,1254.9649999999999,1263.875,1269.2370000000001,null,4.2425081594303915E-3]
[null,"8. Goodwill",12.702999999999999,12.701000000000001,26.506,26.884,26.978999999999999,26.934000000000001,26.834,26.149000000000001,26.143999999999998,26.140999999999998,null,-1.1474908200737044E-4]
[null,"9. Other intagible assets",252.41399999999999,270.46300000000002,272.971,285.13200000000001,286.298,303.16800000000001,305.41800000000001,321.005,320.041,339.74599999999998,null,6.1570236313472249E-2]
[null,"10. Property, plant and equipment",2234.3519999999999,2302.94873951,2314.174,2249.8482648300001,2279.1350000000002,2500.1993455800002,2440.6916056599998,2489.33557746,2528.9817922500001,2600.5399731699999,null,2.8295253504508455E-2]
[null,"11. Deferred tax assets",6104.8459999999995,6127.7669999999998,6073.9040000000005,5974.3810000000003,5899.0709999999999,5893.2340000000004,5801.2669999999998,5703.1729999999998,5616.06,5505.9870000000001,null,-1.9599683764062403E-2]
[null,"12. Other assets",3652.1610000000001,3800.7888938299998,3821.5949999999998,3553.5458182800003,3723.4319999999998,3663.9480000000003,3650.3960000000002,3210.2640000000001,3206.8090000000002,3273.4349999999999,null,2.0776416680881038E-2]
[null,"13. Assets from discontinued operations & held for sale (1,2,3,4,5,6,7,8,9,11)",297.892,621.68778474999999,471.678,406.07100000000003,359.916,407.24099999999999,279.65800000000002,240.7,237.60400000000001,218.11699999999999,null,-8.2014612548610422E-2]
[null,"14. Total assets",79496.032000000007,81872.35641808997,82656.067999999985,74645.018274968708,74679.885000000009,76982.613345579986,79258.884605659987,76450.408577459995,77250.432792250023,76625.847973170006,null,{"$f":"L24/K24-1","v":-8.0851950792264482E-3}]
[]
[null,"LIABILITIES & EQUITY"]
[null,"15. Due to credit institutions",14843.165999999999,15405.651,15455.851000000001,6185.0345338500001,6914.1940000000004,7657.5020000000004,8748.9509999999991,4618.2560000000003,6107.8720000000003,3506.8319999999999,null,{"$f":"L27/K27-1","v":-0.42585044349324941}]
[null,"ECB",14500,14500,14400,5500,5500,5500,5500,3500,3500,1000,null,{"$f":"L28/K28-1","v":-0.7142857142857143}]
[null,"Other",{"$f":"C27-C28","v":343.16599999999926},{"$f":"D27-D28","v":905.65099999999984},{"$f":"E27-E28","v":1055.8510000000006},{"$f":"F27-F28","v":685.03453385000012},{"$f":"G27-G28","v":1414.1940000000004},{"$f":"H27-H28","v":2157.5020000000004},{"$f":"I27-I28","v":3248.9509999999991},{"$f":"J27-J28","v":1118.2560000000003},{"$f":"K27-K28","v":2607.8720000000003},2506.8319999999999,null,-3.8744232845783988E-2]
[null,"16. Liabilities at FV through PL",0,0,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,null,"-"]
[null,"17. Derivative financial instruments",352.846,774.53899999999999,679.07500000000005,410.18930789111681,626.82399999999996,632.13199999999995,679.12199999999996,295.39299999999997,283.32299999999998,296.51900000000001,null,{"$f":"L31/K31-1","v":4.6575816294476713E-2}]
[null,"18. Due to customers ",54853.94,56079.063000000002,56732.552000000003,58371.917000000001,57173.915000000001,58381.487999999998,58663.074000000001,59566.654999999999,58590.697999999997,59757.434000000001,null,{"$f":"L32/K32-1","v":1.9913331634997755E-2}]
[null,"19. Debt securities and other borrowed funds",1900.231,1883.566,1906.095,1786.289,1783.144,1773.7460000000001,2308.1460000000002,2825.1149999999998,3002.3990000000003,3428.4289999999996,null,0.1418965300747832]
[null,"20. Deferred tax liabilities",9.9710000000000001,9.9179999999999993,9.8930000000000007,9.9359999999999999,9.9640000000000004,9.1920000000000002,8.8620000000000001,9.3369999999999997,9.702,9.5609999999999999,null,-1.4533085961657366E-2]
[null,"21. Retirement benefit obligations",69.616,66.422728060000011,64.58,55.177,52.134,49.935000000000002,48.396999999999998,52.414999999999999,50.595999999999997,49.274999999999999,null,-2.6108783303027905E-2]
[null,"22. Other liabilities",1249.2050000000002,1412.086,1453.903,1245.7211683600001,1354.3989999999999,1585.8819999999998,1656.9110000000001,1729.683,1615.1950000000002,1773.2529999999999,null,9.785691510932093E-2]
[null,"23. Liabilities from discontinued operations & held for sale (1,2,3,4,5,6,7,8,9,11)",28.036999999999999,28.224,0,0,0,0,0,0,0,0,null,"-"]
[null,"24. Total liabilities",73307.012000000002,75659.533998480008,76302.046000000017,68064.361010101115,67914.671000000017,70089.973999999973,72113.559999999983,69096.950999999986,69659.882000000012,68821.399999999994,null,{"$f":"L38/K38-1","v":-1.2036799028743994E-2}]
[null,"25. Shareholders' funds",5569.0329999999976,5595.5579999999991,5725.6030000000001,5952.7990000000009,6138.3770000000013,6250.2910000000002,6503.2379999999994,6697.9219999999996,6935.3059999999996,7148.027,null,{"$f":"L39/K39-1","v":3.0672186634591148E-2}]
[null,"26. Additional Tier I",600,600,600,600,600,600,600,600,600,600,null,{"$f":"L40/K40-1","v":0}]
[null,"27. Non controlling Interests",19.986999999999998,17.265999999999998,28.422000000000001,27.856999999999999,26.838000000000001,42.353000000000002,42.085999999999999,55.539000000000001,55.247,56.423000000000002,null,2.1286223686354022E-2]
[null,"28. Total equity",6189.0199999999977,6212.8239999999987,6354.0249999999996,6580.6560000000009,6765.2150000000011,6892.6440000000002,7145.3239999999996,7353.4609999999993,7590.5529999999999,7804.45,null,{"$f":"L42/K42-1","v":2.8179369803491339E-2}]
[null,"29. Tangible equity",{"$f":"C42-C41-C40-C19-C18","v":5303.9159999999974},{"$f":"D42-D41-D40-D19-D18","v":5312.3939999999993},{"$f":"E42-E41-E40-E19-E18","v":5426.1259999999993},{"$f":"F42-F41-F40-F19-F18","v":5640.7830000000013},{"$f":"G42-G41-G40-G19-G18","v":5825.1000000000013},{"$f":"H42-H41-H40-H19-H18","v":5920.1890000000003},{"$f":"I42-I41-I40-I19-I18","v":6170.9859999999999},{"$f":"J42-J41-J40-J19-J18","v":6350.7679999999991},{"$f":"K42-K41-K40-K19-K18","v":6589.1209999999992},6782.14,null,{"$f":"L43/K43-1","v":2.9293588628893197E-2}]
[null,"30. Total liabilities & equity",79496.032000000007,81872.357998480002,82656.071000000011,74645.017010101117,74679.886000000013,76982.617999999973,79258.883999999976,76450.411999999982,77250.435000000012,76625.849999999991,null,{"$f":"L44/K44-1","v":-8.0851971901519937E-3}]
[]
[null,"(1) For 31.03.2022 discontinued operations also include Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(2) For 30.06.2022 discontinued operations also include Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(3) For 30.09.2022 discontinued operations have zeroed on the back of the loss of control over IMITHEA; figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(4) For 31.12.2022 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(5) For 31.03.2023 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(6) For 30.06.2023 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio, Delta NPE loan portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(7) For 30.09.2023 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Delta NPE loan portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(8) For 31.12.2023 figure includes Solar NPE loan portfolio, Delta NPE loan portfolio, Monza NPE loan portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(9) For 31.03.2024 figure includes Solar NPE loan portfolio, Delta NPE loan portfolio, Monza NPE loan portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(10) 31.12.2022 derivative financial instruments, other assets, other liabilities and total assets have been reclassified for comparability with 31.12.2023, and every following quarter, figures that reflect the offsetting of derivatives and the reclassification of accruals from other assets/liabilities to derivatives"]
[null,"(11) For 31.06.2024 figure includes Solar NPE loan portfolio, Monza NPE loan portfolio along with other corporate NPE tickets similarly categorized"]

{"sheet":" Analysis of selected BS items","index":4,"n_rows":82,"n_cols":12,"rows_kept":82,"cut":false,"hidden":false,"merged":[[4,1,4,11],[78,1,78,11],[55,1,55,11],[79,1,79,11],[80,1,80,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"ANALYSIS OF SELECTED BALANCE SHEET ITEMS"]
[]
[]
[null,"(million €)"]
[null,"CONSOLIDATED LOANS (per customer type)","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"1. Loans to corporate entities",21787.930113000002,21824.11515812956,22594.43847987329,22421.128692623519,22095.247841576391,22702.939940306929,23077.566657341275,23295.776788432413,23151.710881114286,24361.204974559594]
[null,"2. Seasonal OPEKEPE1",null,null,null,1517.3255670000001,null,null,null,950.67031599999996]
[null,"3. Senior notes (HAPS securitizations)",6182,6131.1678308704404,6108.7819081267126,6074.4239423764802,6034.0444514236096,5951.678018693071,5900.8357836587293,5984.423639567588,5902.6959318857143,5848.6639154404074]
[null,"4. Mortgage loans",7114.71612,6984.7145549999996,6944.8073199999999,6879.4438449999998,6756.4819079999997,6518.3461340000003,6475.3956019999996,6453.7158390000004,6424.8504620000003,6419.8970509999999]
[null,"5. Consumer loans ",1981.4769420000002,1983.9500880000001,1986.4302869999997,1895.0359719999999,1875.5284529999999,1751.836632,1781.2178739999999,1661.032565,1668.636293,1718.3245320000001]
[null,"6. Loans to Individuals",9096.1930620000003,8968.6646430000001,8931.2376069999991,8774.4798169999995,8632.0103610000006,8270.1827659999999,8256.6134759999986,8114.7484039999999,8093.4867549999999,8138.2215830000005]
[null,"7. Total gross loans to customers",37066.123,36923.947999999997,37634.457999999999,38787.358,36761.303,36924.800725000001,37235.015916999997,38345.619147999998,37147.893568,38348.090473000004]
[]
[null,"Composition"]
[null,"1. Loans to corporate entities",{"$f":"+C10/C$16","v":0.58781249155731774},0.59105584154028068,{"$f":"+E10/E$16","v":0.60036572015659928},0.57805248536452314,{"$f":"+G10/G$16","v":0.60104637318150533},{"$f":"+H10/H$16","v":0.61484258532330727},{"$f":"+I10/I$16","v":0.61978130233066431},{"$f":"+J10/J$16","v":0.60752120596929926},{"$f":"+K10/K$16","v":0.62323078531315901},{"$f":"+L10/L$16","v":0.63526513769210358}]
[null,"2. Seasonal OPEKEPE1",0,0,{"$f":"+E11/E$16","v":0},3.9119075008924302E-2,0,0,{"$f":"+I11/I$16","v":0},{"$f":"+J11/J$16","v":2.4792149328213008E-2},{"$f":"+K11/K$16","v":0},0]
[null,"3. Senior notes (HAPS securitizations)",{"$f":"+C12/C$16","v":0.16678302179054444},0.16604854472415684,{"$f":"+E12/E$16","v":0.16231884907514046},0.15660834497612547,0.16414120172572799,0.16118375459947917,{"$f":"+I12/I$16","v":0.15847544678944658},{"$f":"+J12/J$16","v":0.15606538041464169},{"$f":"+K12/K$16","v":0.15889719079443107},0.1525151276973834]
[null,"4. Mortgage loans",0.19194659554763793,0.18916488981622442,{"$f":"+E13/E$16","v":0.18453320943269597},0.17736304300488834,0.18379331951318481,{"$f":"+H13/H$16","v":0.17653029958227351},{"$f":"+I13/I$16","v":0.17390607852657308},{"$f":"+J13/J$16","v":0.16830386318945664},{"$f":"+K13/K$16","v":0.17295329142254531},0.16741112717255374]
[null,"5. Consumer loans ",5.3457895825792197E-2,5.373071395290667E-2,{"$f":"+E14/E$16","v":5.2782221202707362E-2},4.8857052135389059E-2,5.1019096167510707E-2,{"$f":"+H14/H$16","v":4.7443360494940086E-2},{"$f":"+I14/I$16","v":4.7837172353316172E-2},{"$f":"+J14/J$16","v":4.3317401098389482E-2},{"$f":"+K14/K$16","v":4.4918732469864713E-2},4.4808607437959197E-2]
[null,"6. Loans to individuals",0.24540449137343015,0.24289560376913111,{"$f":"+E15/E$16","v":0.23731543063540331},0.22622009514027738,0.23481241568069555,{"$f":"+H15/H$16","v":0.22397366007721359},{"$f":"+I15/I$16","v":0.22174325087988922},{"$f":"+J15/J$16","v":0.21162126428784611},{"$f":"+K15/K$16","v":0.21787202389241},0.21221973461051294]
[null,"7. Total gross loans to customers",1,1,{"$f":"+E16/E$16","v":1},1,1,{"$f":"+H16/H$16","v":1},{"$f":"+I16/I$16","v":1},{"$f":"+J16/J$16","v":1},{"$f":"+K16/K$16","v":1},1]
[]
[]
[null,"SECURITIES (debt & equity securities)","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"1. Amortised cost",{"$f":"SUM(C30:C33)","v":9013.4305029999996},{"$f":"SUM(D30:D33)","v":9500.6132159999997},9773.1541770000003,10843.849361,10920.926487999999,10916.133904999999,10709.794972999998,11659.12991,{"$f":"SUM(K30:K33)","v":12419.752307999999},{"$f":"SUM(L30:L33)","v":13482.556455}]
[null,"2. GGBs",6597.5739780000004,7037.4243429999997,7247.0314969999999,7513.8300980000004,7472.9160169999996,7456.6447889999999,7166.9165309999998,7708.5475210000004,8468.586695,8713.6605920000002]
[null,"3. G-TBills",0,0,2.9735499999999999,2.9790000000000001,3.4613149999999999,3.9754969999999998,1.965157,3.9390049999999999,5.4494109999999996,6.9140249999999996]
[null,"4. EU Sovereign",2400.7027849999999,2447.9009940000001,2476.968425,2459.2944320000001,2469.6538439999999,2470.0916229999998,2425.052745,2498.6935109999999,2507.5331809999998,2499.765598]
[null,"5. Other Bonds",15.153740000000001,15.287879,46.180705000000003,867.74583099999995,974.89531199999999,985.42199600000004,1115.8605399999999,1447.949873,1438.1830210000001,2262.2162400000002]
[null,"6. FVTOCI",{"$f":"SUM(C35:C39)","v":1723.7714739999999},{"$f":"SUM(D35:D39)","v":1811.1097779999998},1407.5130779999997,{"$f":"SUM(F35:F39)","v":896.90576999999996},1120.0077610000001,1275.7065230000001,1571.234019,1383.1613770000001,{"$f":"SUM(K35:K39)","v":1154.638927},{"$f":"SUM(L35:L39)","v":750.34698700000001}]
[null,"7. GGBs",551.73965599999997,303.48478599999999,265.82234799999998,237.42077399999999,386.57216099999999,486.649113,571.39705200000003,630.31419100000005,617.683312,513.66477599999996]
[null,"8. G-TBills",479.34704099999999,812.01759400000003,469.59636399999999,557.60055299999999,627.82879800000001,732.15990199999999,945.83629399999995,704.23255600000005,482.61389100000002,151.759398]
[null,"9. EU Sovereign",14.928841,8.3876380000000008,2.4168859999999999,0.89431099999999997,0.87309199999999998,0.90361400000000003,0,0,0,29.6172]
[null,"10. Other Bonds",611.96117000000004,624.50523799999996,609.60422800000003,0,0,0,0,0,0,0]
[null,"11. Equity",65.794765999999996,62.714522000000002,60.073251999999997,100.990132,104.73371,55.993893999999997,54.000672999999999,48.614629999999998,54.341723999999999,55.305613000000001]
[null,"12. FVTPL",{"$f":"SUM(C41:C45)","v":1020.6745880000001},{"$f":"SUM(D41:D45)","v":956.56634499999996},922.50361799999996,730.39193,1013.4453229999999,1535.3613799999998,{"$f":"SUM(I41:I45)","v":1287.7845659999998},843.39662199999998,{"$f":"SUM(K41:K45)","v":1204.622351},{"$f":"SUM(L41:L45)","v":1202.830653}]
[null,"13. GGBs",216.251656,198.86884499999999,194.556399,87.369052999999994,100.578864,110.675015,291.08283499999999,285.99497500000001,393.01311600000002,387.055542]
[null,"14. G-TBills",113.085269,135.91637900000001,105.584046,66.692537999999999,75.046774999999997,90.355296999999993,92.826797999999997,189.05755500000001,176.29110399999999,174.85132200000001]
[null,"15. EU Sovereign",434.25734499999999,389.76904300000001,406.255268,370.35083700000001,655.20956699999999,1108.936017,644.08695999999998,97.489563000000004,310.96522100000004,336.24692100000004]
[null,"16. Other Bonds",72.865583000000001,59.690235999999999,46.646951999999999,48.599516000000001,12.447543000000001,34.237417000000001,76.994902999999994,73.962278999999995,82.248053999999996,66.852252000000007]
[null,"17. Equity",184.21473499999999,172.321842,169.46095299999999,157.379986,170.16257400000001,191.157634,182.79307,196.89224999999999,242.10485600000001,237.82461599999999]
[null,"18. Derivative financial instruments",968.327,1899.951,1799.1310000000001,220.47488238847652,2070.4380000000001,2278.8969999999999,2479.9630000000002,190.95599999999999,185.03299999999999,143.70500000000001]
[null,"19. Total securities",{"$f":"C29+C34+C40+C46","v":12726.203564999998},{"$f":"D29+D34+D40+D46","v":14168.240339},{"$f":"E29+E34+E40+E46","v":13902.301873},{"$f":"F29+F34+F40+F46","v":12691.621943388476},{"$f":"G29+G34+G40+G46","v":15124.817572},{"$f":"H29+H34+H40+H46","v":16006.098807999999},{"$f":"I29+I34+I40+I46","v":16048.776557999998},14076.643909,{"$f":"K29+K34+K40+K46","v":14964.046585999999},{"$f":"L29+L34+L40+L46","v":15579.439095}]
[]
[]
[null,"PROPERTY PORTFOLIO3","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"1. Investment property",1306.9770000000001,1381.1241618700001,1471.5940000000001,1522.261,1521.57,1753.405,1754.3810000000001,1756.961,1798.298,1801.8679999999999]
[null,"2. Inventory property",1175.6890000000001,1160.1420000000001,1183.82,1259.723,1262.5139999999999,1195.6880000000001,1202.365,1167.2819999999999,1175.7360000000001,1171.664]
[null,"3. Own property",727.51614491000009,719.75456700000007,638.66173617999993,517.96069512999998,522.47415680999995,512.2404389400001,480.66539519999992,514.96894064000003,524.21140799,574.45337884000003]
[null,"4. Total property portfolio",{"$f":"SUM(C51:C53)","v":3210.1821449100003},{"$f":"SUM(D51:D53)","v":3261.0207288700003},3294.0757361799997,3299.9446951299997,3306.5581568099997,3461.3334389399997,3437.4113951999998,3439.2119406399997,3498.2454079899999,3547.9853788400001]
[]
[]
[null,"CONSOLIDATED CUSTOMER DEPOSITS (per product type)","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"1. Savings",24506.804319999999,24515.160565999999,24730.949412999998,25795.141911529998,24277.181081999999,23702.750005000002,23350.971354000001,24184.438458000001,23527.740998000001,23467.172824000001]
[null,"2. Sight deposits and other deposits",20576.458893999999,22174.075815,22289.721955000001,22246.435624269998,21038.986684,21165.675943999999,21446.329603000002,21876.783459000002,21755.955046999999,22747.633449999998]
[null,"3. Term deposits, repos",9770.6764719999992,9389.8262969999996,9711.8803659999994,10330.339848039999,11857.747619,13513.061891000001,13865.773385,13505.433376999999,13307.001789,13542.628015999999]
[null,"4. Total customer deposits ",{"$f":"C58+C59+C60","v":54853.939685999998},56079.062677999995,56732.551733999993,58371.917383839995,{"$f":"G58+G59+G60","v":57173.915385},{"$f":"H58+H59+H60","v":58381.487840000002},{"$f":"I58+I59+I60","v":58663.074342},{"$f":"J58+J59+J60","v":59566.655294000004},{"$f":"K58+K59+K60","v":58590.697834000006},{"$f":"L58+L59+L60","v":59757.434290000005}]
[]
[null,"Composition"]
[null,"1. Savings",{"$f":"+C58/C$61","v":0.44676470751752961},0.43715353636995397,{"$f":"+E58/E$61","v":0.43592168265152553},0.44191013534654366,0.42461987986167021,0.40599770375773281,0.398052294666081,{"$f":"+J58/J$61","v":0.40600631911652824},{"$f":"+K58/K$61","v":0.40156103046697156},0.3927071686196385]
[null,"2. Sight deposits and other deposits",0.37511360189962056,0.39540739013990267,{"$f":"+E59/E$61","v":0.39289122864610548},0.38111538255601013,{"$f":"+G59/G$61","v":0.36798226153179869},{"$f":"+H59/H$61","v":0.36254087943093433},{"$f":"+I59/I$61","v":0.36558482219956617},{"$f":"+J59/J$61","v":0.36726560104850464},{"$f":"+K59/K$61","v":0.37132097502301953},0.38066616681711613]
[null,"3. Time deposits, repos",0.17812169058284985,0.16743907349014342,{"$f":"+E60/E$61","v":0.17118708870236907},0.17697448209744618,{"$f":"+G60/G$61","v":0.20739785860653104},{"$f":"+H60/H$61","v":0.23146141681133287},{"$f":"+I60/I$61","v":0.23636288313435286},{"$f":"+J60/J$61","v":0.22672807983496712},{"$f":"+K60/K$61","v":0.22711799451000883},0.22662666456324521]
[null,"4. Total customer deposits",{"$f":"+C64+C65+C66","v":1},{"$f":"+D64+D65+D66","v":1},{"$f":"+E64+E65+E66","v":1},1,1,1,1,{"$f":"+J64+J65+J66","v":1},{"$f":"+K64+K65+K66","v":0.99999999999999989},0.99999999999999989]
[]
[]
[null,"CUSTOMER FUNDS","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"1. Customer funds",{"$f":"C72+C73","v":54853.939685999991},56079.062678000002,56732.551733999993,58371.917383839995,57173.915385,{"$f":"H72+H73","v":58381.487840000002},{"$f":"I72+I73","v":58663.074342},{"$f":"J72+J73","v":59566.655293999997},{"$f":"K72+K73","v":58590.697834000006},{"$f":"L72+L73","v":59757.434290000005}]
[null,"2. Saving and sight deposits",45083.263213999991,46689.236381000002,47020.671367999996,48041.577535799996,45316.167765999999,44868.425948999997,44797.300956999999,46061.221916999995,45283.696045000004,46214.806274000002]
[null,"3. Time deposits",9770.6764719999992,9389.8262969999996,9711.8803659999994,10330.339848039999,11857.747619,13513.061891000001,13865.773385,13505.433376999999,13307.001789,13542.628015999999]
[null,"4. Assets under management2",{"$f":"C75+C76+C77","v":6696.6},{"$f":"D75+D76+D77","v":6516.1},6425,6938.49,7554,8220,8512,{"$f":"J75+J76+J77","v":9311},{"$f":"K75+K76+K77","v":10037},{"$f":"L75+L76+L77","v":10427}]
[null,"5. Mutual funds",1894,1790,1741,1966,2384,2574,2685,3143,3507,3891]
[null,"6. Piraeus Securities",1182,1120,1190,1291,1333,1600,1686,1811,1975,1878]
[null,"7. Private & institutional portfolios",3620.6000000000004,3606.1000000000004,3494,3681.49,3837,4046,4141,4357,4555,4658]
[null,"8. Total customer assets",{"$f":"C71+C74","v":61550.539685999989},{"$f":"D71+D74","v":62595.162678000001},{"$f":"E71+E74","v":63157.551733999993},{"$f":"F71+F74","v":65310.407383839993},{"$f":"G71+G74","v":64727.915385},{"$f":"H71+H74","v":66601.487840000002},{"$f":"I71+I74","v":67175.074342000007},{"$f":"J71+J74","v":68877.655293999997},{"$f":"K71+K74","v":68627.697834000006},{"$f":"L71+L74","v":70184.434290000005}]
[]
[null,"(1) OPEKEPE relates to a seasonal funding facility to Greek farmers (EU subsidized bridge financing); the loan is granted close to year end and is repaid early next year"]
[null,"(2) Assets under management include MFMC assets, Private Banking assets, Brokerage and Custody. Iolcus is included as at 30 March 2022"]
[null,"(3) Inventory property is included in the \"Other assets\" line in IFRS accounts"]

{"sheet":"PL","index":5,"n_rows":57,"n_cols":12,"rows_kept":57,"cut":false,"hidden":false,"merged":[[4,1,4,11],[49,1,49,9],[54,1,54,9]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"CONSOLIDATED P&L"]
[]
[]
[]
[null,"(million €)","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024"]
[null,"Net interest income",285.89500000000004,305.56799999999998,330.59200000000004,430.64700000000005,446.86599999999999,487.8,531.351,536.64499999999998,517.62899999999991,527.55799999999999]
[null,"Net fee and commission income (1)",100.74703204926399,105.097982314544,107.80430564699201,107.34067998919998,104.691,120.48399999999999,120.30699999999999,122.61599999999999,125.37299999999999,159.35300000000001]
[null,"Rental income and income from non-banking activities ",11.994999999999999,15.875,17.513000000000002,18.486999999999998,16.956,20.922000000000001,19.670000000000002,20.99,19.946999999999999,19.885999999999999]
[null,"Core income",{"$f":"C11+C10+C12","v":398.63703204926401},426.54098231454395,{"$f":"E11+E10+E12","v":455.90930564699204},556.47467998920001,568.51300000000003,629.20600000000002,671.32799999999997,{"$f":"J11+J10+J12","v":680.25099999999998},{"$f":"K11+K10+K12","v":662.94899999999996},706.79700000000003]
[null,"Net trading result (2)",585.38900000000001,67.600000000000009,64.161000000000001,-3.6300000000000008,9.7540000000000013,29.241999999999997,-7.8949999999999996,31.995000000000001,-4.4270000000000005,7.47]
[null,"Other operating result",-2.3609999999999998,16.709,-6.8050000000000006,23.198,-1.48,3.5300000000000002,-10.244999999999999,9.7259999999999991,-66.650999999999996,11.755000000000001]
[null,"Total net revenues",{"$f":"C15+C10+C11+C12+C14","v":981.66503204926403},510.84998231454404,513.26530564699203,576.0426799892,576.78700000000003,{"$f":"H15+H10+H11+H12+H14","v":661.97799999999995},{"$f":"I15+I10+I11+I12+I14","v":653.18799999999999},{"$f":"J15+J10+J11+J12+J14","v":721.97199999999998},{"$f":"K15+K10+K11+K12+K14","v":591.87099999999987},{"$f":"L15+L10+L11+L12+L14","v":726.02199999999993}]
[null,"of which acquiring fees (3)",7.0227117500000009,-0.59334710000000002,-0.10188483999999999,-0.67009458999999993,0,0,0,0,0,0]
[null,"of which one-off ",510.7,109.277,52,0,0,0,0,0,-43.292000000000002,0]
[null,"Staff costs",91.200999999999993,101.155,121.26600000000001,131.95599999999999,96.718999999999994,96.57,80.358000000000004,168.495,100.86799999999999,100.80200000000001]
[null,"Administrative expenses (1)",81.31903204926401,87.151982314544,85.185305646991992,83.882679989199985,83.156999999999996,78.429000000000002,89.208000000000013,64.234999999999999,72.945999999999998,73.254999999999995]
[null,"Depreciation and amortization",29.591999999999999,24.890999999999998,25.213000000000001,25.965,26.146999999999998,26.212,26.484999999999999,27.077999999999999,28.614999999999998,29.193999999999999]
[null,"Operating cost",{"$f":"C21+C20+C19","v":202.112032049264},213.19798231454399,231.66430564699198,241.80367998919996,{"$f":"G21+G20+G19","v":206.023},{"$f":"H21+H20+H19","v":201.21100000000001},{"$f":"I21+I20+I19","v":196.05100000000002},{"$f":"J21+J20+J19","v":259.80799999999999},{"$f":"K21+K20+K19","v":202.42899999999997},{"$f":"L21+L20+L19","v":203.251}]
[null,"of which one-off",4.1472708799999998,6.6,19.877649999999999,30.314,3.1720000000000002,2.1745070000000002,1.5662459999999996,63.649000000000001,9.6033038800000003,4.2904095]
[]
[null,"Profit before tax & provisions",779.55300000000011,297.65199999999999,281.601,334.23900000000003,370.76400000000007,460.76699999999994,457.13700000000006,462.16399999999999,389.44199999999989,522.77100000000007]
[]
[null,"Share of profit of associates",-4.4249999999999998,-4.9989999999999997,0.27700000000000002,38.04,-10.638999999999999,-11.848000000000001,15.715,-8.4480000000000004,22.515000000000001,-12.048]
[null,"of which one-off ",0,0,0,25.8,0,0,0,0,0,0]
[]
[null,"Impairment losses on loans",229.72899999999998,190.24100000000001,91.522999999999996,103.126,95.394000000000005,283.02799999999996,75.676999999999992,104.504,58.474000000000004,43.260999999999996]
[null,"o/w underlying",44.036208999999992,45.59800000000002,44.684999999999988,17.424000000000014,35.677000000000007,68.966475719999991,47.152999999999992,24.976000000000006,15.423,19.857999999999997]
[null,"o/w inorganic (losses on NPE sales)(4)",151.6,117.35,18.381,33.1,20.760999999999999,180.79911400999998,0,51.51,12.14,0]
[null,"o/w servicing fees",29.140056999999999,21.292999999999999,19.511053,39.053965949999998,26.088285000000003,20.325688550000002,17.27913315,16.852737560000001,20.556513000000002,14.782999999999999]
[null,"o/w credit protection costs",4.9527340000000004,6,8.9459470000000003,13.54803405,12.867715,12.93672172,11.244866849999999,11.165262439999999,10.354487000000001,8.6199999999999992]
[null,"Other impairment (5)",3.3130000000000011,9.418000000000001,19.056999999999999,38.635000000000005,10.359000000000002,32.141000000000005,17.818999999999996,38.191000000000003,28.539000000000001,15.302]
[null,"Profit before Tax",542.08600000000013,92.993999999999943,171.298,230.51800000000003,254.37200000000004,133.74999999999994,379.35600000000005,311.02099999999996,324.9439999999999,452.16000000000008]
[null,"Income tax expense",22.04,0.28899999999999998,55.845999999999997,61.52,75.64,14.627000000000001,102.38800000000001,99.454999999999998,91.998000000000005,120.983]
[null,"Normalized Income tax expense(6)",46.828745373799997,28.147690246,40.991219058400013,69.888544593399999,75.64,79.180905252499997,102.38800000000001,99.454999999999998,110.8582381252,122.22721875500001]
[null,"Non controlling Interests",-1.2170000000000001,0.24299999999999999,-0.19400000000000001,-0.56399999999999995,-1.0289999999999999,-0.56000000000000005,-0.41099999999999998,0.32400000000000001,-0.186,1.17]
[null,"Net profit / (Loss) attributable to shareholders ",521.26300000000015,92.461999999999946,115.646,169.56200000000001,179.76100000000002,119.68299999999995,277.37900000000008,211.24199999999996,233.13199999999992,330.00700000000006]
[null,"Reported EPS adjusted for AT1",{"$f":"+(C40-52.5/4)/1250.367223","v":0.40639101109898507},6.345095947864586E-2,8.1992712312165275E-2,{"$f":"+(F40-52.5/4)/1250.367223","v":0.12511284454870905},{"$f":"+(G40-52.5/4)/1250.367223","v":0.13326964825596682},{"$f":"+(H40-52.5/4)/1250.367223","v":8.522136380409577E-2},{"$f":"+(I40-52.5/4)/1250.367223","v":0.21134111254610205},{"$f":"+(J40-52.5/4)/1250.367223","v":0.1584470516786731},{"$f":"+(K40-52.5/4)/1250.367223","v":0.17595390854227463},{"$f":"+(L40-52.5/4)/1250.367223","v":0.25343114740300582}]
[null,"Net Profit / (Loss) attributable to shareholders from discontinued operations",-0.84699999999999998,-0.48899999999999999,52.72,-0.82199999999999995,0,0,0,0,0,0]
[null,"Non controlling interests from discontinued operations",0,0,0,0,0,0,0,0,0,0]
[]
[null,"Core operating profit",{"$f":"+C40+C32+C23-C15-C17-C14+C37-C38","v":62.170813756200111},{"$f":"+D40+D32+D23-D15-D17-D14+D37-D38","v":104.8376568539999},111.50531578159996,{"$f":"+F40+F32+F23-F15-F17-F14+F37-F38-F28","v":179.90954999659994},{"$f":"+G40+G32+G23-G15-G17-G14","v":195.42000000000002},{"$f":"+H40+H32+H23-H15-H17-H28-H38+H37-H14","v":205.33071575749997},{"$f":"+I40+I32+I23-I15-I17-I28-I38+I37-I14","v":297.08524600000004},{"$f":"+J40+J32+J23-J15-J17-J28-J38+J37-J14","v":284.67999999999995},{"$f":"+K40+K32+K23-K15-K17-K28-K38+K37-K14","v":307.09306575479997},{"$f":"+L40+L32+L23-L15-L17-L28-L38+L37-L14","v":313.82819074500003}]
[null,"Core EPS adj for AT1",{"$f":"+(C45-52.5/4)/1250.367223","v":3.9225127509760475E-2},7.3348577255531511E-2,7.8681137806505E-2,{"$f":"+(F45-52.5/4)/1250.367223","v":0.13338845335087607},{"$f":"+(G45-52.5/4)/1250.367223","v":0.14579316911604617},{"$f":"+(H45-52.5/4)/1250.367223","v":0.15371941316275209},{"$f":"+(I45-52.5/4)/1250.367223","v":0.22710147929077637},{"$f":"+(J45-52.5/4)/1250.367223","v":0.21718019714916981},{"$f":"+(K45-52.5/4)/1250.367223","v":0.23510538372037923},0.24049190127003195]
[null,"Normalized operating profit(7)",{"$f":"+C45+C15-C18+C14","v":134.49881375620015},79.869656853999913,116.86131578159996,199.47754999659995,203.69400000000002,{"$f":"+H45+H15-H18+H14","v":238.10271575749996},{"$f":"+I45+I15-I18+I14","v":278.94524600000005},{"$f":"+J45+J15-J18+J14","v":326.40099999999995},{"$f":"+K45+K15-K18+K14","v":279.30706575479996},{"$f":"+L45+L15-L18+L14","v":333.05319074500005}]
[null,"Normalized EPS adj for AT1",{"$f":"+(C47-52.5/4)/1250.367223","v":9.7070533778859422E-2},{"$f":"+(D47-52.5/4)/1250.367223","v":5.3380043579405241E-2},8.2964679394510937E-2,{"$f":"+(F47-52.5/4)/1250.367223","v":0.14903825577695901},0.15241042510916814,0.17992931326023728,0.21259374135081599,0.25054719464603237,{"$f":"+(K47-52.5/4)/1250.367223","v":0.21288311214376737},0.25586738428523254]
[]
[null,"(1)  Q1, Q2, Q3.22 net fee  & rental income and general expenses have been restated to reflect the reclassification of €6.5mn relating to fees paid to card services provider, which were previously included within general expenses to net fee income as an expense. Comparative information have been restated backwards for 2021 in order to align with the aforementioned changes; Q3.23 general expenses include €16mn extraordinary costs to mitigate the impact of extreme weather phenomena"]
[null,"(2) Q3.23 net trading result mainly derived from market making and other primary market activity"]
[null,"(3)  Acquiring fees for 2022 have been classified as one-off  for comparability purposes"]
[null,"(4) Q3.2023 onwards inorganic impairments for loans include only losses on NPE sales transactions"]
[null,"(5) Q3.2023 impairments on other assets include small impact from Sunshine closing"]
[null,"(6) Normalized profits are calculated under an assumption of normalized tax rate. A projected effective corporate tax rate of 26% has been used for 2022 and 2023, based on Piraeus business plan assumptions for 2023"]
[null,"(7) As of Q1.2024 normalized profits are calculated adjusting one-off items for the 29% tax rate"]
[null,"* CORE: excluding one off elements and trading/other income; NORMALIZED: excluding one off elements and including normalized/recurring trading/other income"]

{"sheet":"NII","index":6,"n_rows":42,"n_cols":12,"rows_kept":42,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"NET INTEREST INCOME"]
[]
[]
[]
[null,"(million €)","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024"]
[null,"Net loans",276.31284240000002,283.98485196000001,298.47618699999998,356.40919214000007,410.64699999999993,454.39199999999983,497.47399999999993,511.30700000000013,502.97947991000001,516.82432579000022]
[null,"o/w PEs",236.74443608999997,244.63593896999996,271.31779486000011,333.00848080000031,383.60011604999988,427.67596949000006,472.21331828999985,488.09457219000006,484.86801123999999,500.38982559800024]
[null,"o/w NPEs",39.56840631,39.348912989999988,27.158392140000007,23.400711339999987,27.046883949999998,26.716030510000003,25.260681710000004,23.212427810000001,18.111468670000004,16.434500192000002]
[null,"Fixed income securities",38.993680680000004,47.461657099999989,63.70215254,71.403908629999989,77.10452746,72.456081470000001,79.94187721000003,87.338570519999919,88.541939920000004,106.30362873000001]
[null,"IRS asset side",29.977940309999997,28.649566179999997,25.795956,13.762030290000013,28.620229609999999,53.407572030000011,63.123262740000001,63.817700949999988,70.264778890000002,63.447242189999997]
[null,"Other assets",40.166909249999932,42.634530130000016,16.125663080000052,57.469509699999989,64.801649500000124,89.9461821000002,120.41568600999999,124.57918938999954,119.0223414299998,114.18100776000004]
[null,"Interest income",{"$f":"C10+C13+C15+C14","v":385.45137263999999},402.73060537000003,404.09995862,499.04464076000011,581.17340657000011,{"$f":"H10+H13+H15+H14","v":670.20183559999998},{"$f":"I10+I13+I15+I14","v":760.95482595999988},{"$f":"J10+J13+J15+J14","v":787.04246085999966},{"$f":"K10+K13+K15+K14","v":780.80854014999977},{"$f":"L10+L13+L15+L14","v":800.75620447000028}]
[]
[null,"Customer deposits",7.6433844600000063,8.9835367899999952,12.219328970000003,19.877328919999989,32.772462070000003,52.686348440000003,70.288956289999987,76.45771981,78.356409669999991,80.442876220000002]
[null,"Due to banks including TLTRO",2.5174830999999998,4.6189416199999993,5.205779800000002,15.482162699999998,45.533054969999995,67.329734680000016,83.904905139999983,88.776219090000012,75.349431469999999,74.853258679999996]
[null,"Debt securities",23.027535540000002,23.533112760000002,23.884300769999996,25.820154970000011,29.043533120000003,29.602520509999998,37.444393680000005,41.672792670000007,48.508272179999999,54.31663463000001]
[null,"IRS liability side",36.874636259999996,30.945729410000006,13.94749745,0.64571363000000304,12.38514004,18.820755200000004,24.75945668999999,26.422295880000007,26.385850989999994,28.732993320000006]
[null,"Non-maturing deposits hedging cost",null,null,null,null,null,null,null,4.1218190000000003,21.436,22.091000000000001]
[null,"Other liabilities",29.492544009999996,29.081642790000004,18.251205319999972,6.5734742700000588,14.572365080000008,13.96302617000001,13.206603949999998,12.946861139999907,13.143638280000051,12.761573479999914]
[null,"Interest expense",{"$f":"SUM(C18:C23)","v":99.555583369999994},97.162963370000014,73.508112309999973,68.398834490000056,134.30655528,182.40238500000004,229.60431574999996,{"$f":"SUM(J18:J23)","v":250.3977075899999},{"$f":"SUM(K18:K23)","v":263.17960259000006},{"$f":"SUM(L18:L23)","v":273.19833632999996}]
[]
[null,"Net interest income",{"$f":"C16-C24","v":285.89578927000002},305.56764200000003,330.59184631000005,430.64580627000004,446.86685129000011,487.79945059999994,531.35051020999992,{"$f":"J16-J24","v":536.6447532699998},{"$f":"K16-K24","v":517.62893755999971},{"$f":"L16-L24","v":527.55786814000032}]
[]
[null,"Avg 3m Euribor",-5.2793750000000002E-3,-3.56353846153846E-3,4.8616666666666704E-3,1.7786153846153899E-2,2.63595384615385E-2,3.36326153846154E-2,3.7774769230769202E-2,3.9582923076923099E-2,3.9231692307692301E-2,3.8104307692307701E-2]
[null,"PE yield1",3.5367596149805385E-2,3.633836919004433E-2,3.8607013079302414E-2,4.6752684459543552E-2,5.4949729637958307E-2,6.070619928770199E-2,6.4562669640484793E-2,6.573999999785278E-2,6.5312671941050129E-2,6.591987949724773E-2]
[null,"CIB",3.3151737721239999E-2,3.4682154529744588E-2,3.6992319807931599E-2,4.5767355515213139E-2,5.5350495803373215E-2,5.9621738594033885E-2,6.56281763026898E-2,6.7107895788420968E-2,6.645371867807888E-2,6.5704161336757688E-2]
[null,"Mortgages",1.9453422069058993E-2,1.9646834914267504E-2,2.3393185686686867E-2,3.3462835621550127E-2,4.1967651856792819E-2,4.8677462503227083E-2,4.9890645134093088E-2,5.0302153444610982E-2,5.0936336436381728E-2,5.543153651866374E-2]
[null,"Consumer/SB",7.1729140310925948E-2,7.3167355831025738E-2,7.4331241853982599E-2,7.6363512699586078E-2,8.0086163704706934E-2,8.4616869792783503E-2,8.5117623059290409E-2,8.5438163870236089E-2,8.4179658441651414E-2,8.4980428741874267E-2]
[null,"Fixed income securities yield",1.2802615841537796E-2,1.5174101143778764E-2,1.9091289063860865E-2,2.0720208918122183E-2,2.5119801157975224E-2,2.218905237387921E-2,2.3988991922705458E-2,2.5777044964965665E-2,2.5938008531260312E-2,2.9281246333657196E-2]
[null,"Customer deposits cost",5.5859697784530241E-4,6.4073562478832679E-4,8.4769235672187289E-4,1.3524478197423323E-3,2.2992829711599235E-3,3.6137516447293039E-3,4.6953754684291374E-3,5.0918672365838722E-3,5.3272728018339145E-3,5.3724921473707991E-3]
[null,"Debt securities cost",4.8445267871486807E-2,4.8971383747625767E-2,4.934028091930534E-2,6.0620395366141257E-2,6.5171258055481962E-2,6.5429217519622399E-2,6.3833707033967485E-2,6.5566377745863616E-2,6.5712946817417739E-2,6.1608680004769524E-2]
[]
[null,"NIM on average assets",1.4513780822707293E-2,1.5170293643069429E-2,1.6086041285755897E-2,2.2115116287376942E-2,2.4186364552267556E-2,2.5730816441364001E-2,2.7206651241827556E-2,2.774100684837344E-2,2.7109835221081534E-2,2.7427644583798531E-2]
[null,"NIM on average interest earning assets2",1.7153968416720802E-2,1.8113635426630716E-2,1.9183351465404737E-2,2.6369320940840456E-2,2.917648862280451E-2,3.1338402508389207E-2,3.2960999119294433E-2,3.3307402014301282E-2,3.2531039829843039E-2,3.312506810691395E-2]
[]
[null,"1. Balances and related income exclude senior tranches and CLOs"]
[null,"2. Interest earning assets are total assets excluding equity and mutual fund financial assets, participations, goodwill and intangibles, fixed assets, deferred tax assets and discontinued"]
[null,"3. Non maturing deposit hedging cost corresponds to €10bn IRSs executed during late Dec.23 and Q1.24"]

{"sheet":"NFI","index":7,"n_rows":24,"n_cols":13,"rows_kept":24,"cut":false,"hidden":false,"merged":[[4,1,4,12],[9,1,11,1],[12,1,14,1],[15,1,19,1],[23,1,23,12]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"NET FEE INCOME"]
[]
[]
[]
[null,"(million €)",null,"Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024"]
[null,"Financing","Loans",18.747057389999995,25.912012440000005,19.657180610000001,23.168867169999999,20.966668500000001,30.556121590000004,21.575059740000047,20.961328649999952,20.989965670000007,29.994878919999987]
[null,null,"Letters of guarantee",8.6378586199999994,9.6216372799999998,9.8943955099999989,11.204075929999998,11.111915479999999,11.301658049999993,12.056728299999982,12.910945210000031,12.373387230000002,12.622917339999987]
[null,null,"Investment banking",2.4410745700000005,1.44E-2,3.5766958299999998,1.8257788699999999,0.26500000000000001,0.12077125000000001,2.1760299999999999,3.12940394,4.9715417300000011,0.66665640000000037]
[null,"Investment","Bancassurance",10.19825264,11.5088355,11.543977340000001,13.023488169999997,11.249653819999995,11.652913560000009,11.425354350000012,15.388913589999968,13.70282772,14.253332159999999]
[null,null,"Asset management",6.9446891700000002,5.6101494800000014,6.0930804800000002,6.6170355399999998,7.3991201240846483,8.6718071559153618,8.109751829999988,12.261743939999986,11.76488726,12.357322129999993]
[null,null,"Brokerage",5.1470755999999991,3.88239264,4.16664089,3.5176728299999995,4.7348641299999983,5.4350627300000047,5.8839429600000059,3.9372541899999978,7.338402010000002,6.2281842699999928]
[null,"Transaction Banking","Funds transfer",18.480498999999988,21.488274590000021,22.47452383000001,23.653770660000013,21.251055369999989,23.764253470000032,27.457499059999979,26.104076310000053,25.529238529999983,32.068742939999986]
[null,null,"Cards & Acquiring",13.539691280000003,7.2992874399999961,7.9016765800000002,5.8349281299999936,10.43776474,9.3437632799999939,8.9619188399999974,12.196006300000025,12.538069229999987,31.883706760000038]
[null,null,"Payments",6.59795336,6.6544690200000023,6.2690952699999993,4.2800840299999994,5.6931923900000108,6.2409262399999825,6.2363567399999917,3.3024689200000137,5.7502876800000005,6.2084622799999822]
[null,null,"FX fees",6.1154870599999995,8.5374561599999979,10.06072981,9.3668429,7.1370408999999979,7.6781423000000011,8.7678750200000035,7.4976376300000007,6.9012271099999998,8.0802019100000049]
[null,null,"Other",3.897188589999999,4.6901889999999957,6.0460764600000001,4.8469875199999981,4.4449892100000055,5.7185073800000046,7.6650106600000045,4.917006099999977,3.5131142099999968,4.9890183500000047]
[null,"Rental and other income",null,11.994999999999999,15.875,17.513000000000002,18.486999999999998,16.956,20.922000000000001,19.670000000000002,20.99,19.946999999999999,19.885999999999999]
[null,"Total",null,{"$f":"SUM(D10:D21)","v":112.74182727999998},121.09410355000004,125.19707260999999,125.82653175,121.64726466408466,141.40592700591537,139.98552750000002,143.59678478000001,{"$f":"SUM(L10:L21)","v":145.31994837999997},{"$f":"SUM(M10:M21)","v":179.23942345999998}]
[]
[null,"*As of Q1.22 restatements have been made due to the integration of Wealth & Asset management segment"]

{"sheet":"OPEX","index":8,"n_rows":28,"n_cols":12,"rows_kept":28,"cut":false,"hidden":false,"merged":[[4,1,4,11],[27,1,27,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"OPERATING COSTS"]
[]
[null,"(million €)"]
[null,"STAFF COSTS","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024"]
[null,"Staff costs recurring",91.200999999999993,94.555000000000007,101.38835,101.642,93.546999999999997,94.395492999999988,94.291753999999997,104.846,91.264696119999996,96.511590500000011]
[null,"VES costs",0,6.6,19.877649999999999,30.314,3.1720000000000002,2.1745070000000002,1.066246,55.484999999999999,9.6033038800000003,4.2904095]
[null,"Other one-offs(1)",null,null,null,null,null,null,-15,{"$f":"4.396+3.768","v":8.1639999999999997}]
[null,"Total",{"$f":"C9+C10+C11","v":91.200999999999993},101.155,121.26600000000001,131.95599999999999,96.718999999999994,96.57,{"$f":"I9+I10+I11","v":80.358000000000004},{"$f":"J9+J10+J11","v":168.495},{"$f":"K9+K10+K11","v":100.86799999999999},{"$f":"L9+L10+L11","v":100.80200000000001}]
[]
[null,"G&A COSTS  ","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","Q3 2023","Q4 2023","Q1 2024","Q2 2024"]
[null,"Rents - maintenance",9.1491827900000011,8.9277500299999968,9.1058882199999971,8.7774162600000007,8.0531509700000008,7.6713768600000005,8.8783103200000024,5.5882152099999871,6.5122675299999999,6.7163214799999986]
[null,"IT - telco",12.23865148689897,7.0013185064323906,10.427544325253043,2.1857145914156173,8.4105638899999988,8.7321245800000007,8.8831526899999993,4.6571033499999999,9.0210918300000014,7.6572765000000009]
[null,"Legal - business services",1.4526504999999998,4.7193650199999997,6.7336891099999994,3.9512580700000024,2.4969789900000006,4.6966844500000002,4.6484115300000015,6.1518750799999875,2.384275060000002,4.6346469599999978]
[null,"Marketing - subscriptions",5.6960382899999997,6.8272304900000025,5.617365559999997,7.3490312100000024,5.5108601699999999,6.3258532700000023,5.9950702399999996,7.2667043599999976,6.3150429799999994,9.5400191999999997]
[null,"Taxes",15.944120112365024,16.34322740811162,13.387627021738986,13.785119617784353,20.148815599999999,17.595336230000001,9.3121021699999957,13.211706700000001,24.069207430000006,13.258684430000002]
[null,"DGS - SRF",12.423029509999999,14.65350771,16.840640090000001,14.821558710000005,11.79499994,6.2131720600000016,9.0040859999999974,-7.4928298699999978,0.26867770000000002,0.26867770000000002]
[null,"Other(2)",17.186469950000003,18.078523340000004,19.585991219999997,26.525910279999991,16.1404703,17.173024129999995,19.223604030000011,25.974879629999993,15.055410990000002,22.42502743999999]
[null,"Subsidiaries",7.2288894100000105,10.601059809999992,3.4865600999999913,6.4866712500000148,10.601301599999999,10.020759660000005,7.7644801400000052,8.8770842099999605,9.2650941700000011,8.7544836599999982]
[null,"G&A costs recurring",{"$f":"SUM(C15:C22)","v":81.31903204926401},87.151982314544014,85.18530564699202,83.882679989199985,83.157141460000005,78.428331240000006,{"$f":"SUM(I15:I22)","v":73.709217120000019},{"$f":"SUM(J15:J22)","v":64.234738669999928},{"$f":"SUM(K15:K22)","v":72.891067690000014},{"$f":"SUM(L15:L22)","v":73.25513737}]
[null,"Extraordinary general expenses for extreme weather phenomena",null,null,null,null,null,null,15.5]
[null,"Total",{"$f":"C23","v":81.31903204926401},87.151982314544014,85.18530564699202,83.882679989199985,83.157141460000005,{"$f":"H23","v":78.428331240000006},{"$f":"SUM(I23:I24)","v":89.209217120000019},{"$f":"SUM(J23:J24)","v":64.234738669999928},{"$f":"SUM(K23:K24)","v":72.891067690000014},{"$f":"SUM(L23:L24)","v":73.25513737}]
[]
[null,"(1) Q3 2023 other staff costs comprise reversal of talent retention accruals due to share buyback; Q4 2023 other staff costs comprise share buyback  accruals expensed for talent retention and subsidy for low paid employees"]
[null,"(2) Other includes Net gain/(losses) from sale of property and equipment and intangible assets"]

{"sheet":"PL segment view","index":9,"n_rows":30,"n_cols":11,"rows_kept":30,"cut":false,"hidden":false,"merged":[[4,1,4,10],[29,1,29,10]]}
[]
[null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"P&L SEGMENT VIEW H1.24"]
[]
[]
[null,"(million €)","Retail","Corporate & IB","Financial markets","Other","CORE TOTAL",null,"NPEMU",null,"GROUP"]
[null,"Net interest income",537.23786957000004,328.68808816000006,196.46536811000001,-2.2220522399999667,{"$f":"SUM(C9:F9)","v":1060.1692736000002},null,-14.982467909999999,null,{"$f":"G9+I9","v":1045.1868056900003}]
[null,"Net fee and commission income ",149.68016450000002,110.89359347,6.9584509600000004,14.470141179999972,{"$f":"SUM(C10:F10)","v":282.00235011000001},null,2.7240220800000001,null,{"$f":"G10+I10","v":284.72637219000001}]
[null,"Rental and non-banking activities income",0,0,0,37.409737179999993,37.409737179999993,null,2.4233581400000004,null,39.833095319999991]
[null,"Trading & other income",-1.1027410100000026,-2.6569759299999998,8.5620672300000003,-10.470053330000002,-5.6677030400000046,null,-2.90635727,null,-8.5740603100000037]
[null,"Net revenues",{"$f":"SUM(C9:C12)","v":685.81529306000004},436.92470570000006,211.9858863,39.187772789999997,{"$f":"SUM(C13:F13)","v":1373.9136578500002},null,{"$f":"SUM(I9:I12)","v":-12.741444959999999},null,{"$f":"G13+I13","v":1361.1722128900001}]
[null,"Operating cost",-202.37534938000002,-87.913874329999985,-21.903675219999997,-61.688981549999987,{"$f":"SUM(C14:F14)","v":-373.88188047999995},null,-17.86842133,null,{"$f":"G14+I14","v":-391.75030180999994}]
[null,"Pre provision income (PPI)",{"$f":"C13+C14","v":483.43994368000006},349.01083137000006,190.08221108000001,{"$f":"F13+F14","v":-22.50120875999999},{"$f":"SUM(C15:F15)","v":1000.0317773700002},null,{"$f":"I13+I14","v":-30.609866289999999},null,{"$f":"G15+I15","v":969.4219110800002}]
[null,"Loan impairment",-30.830663289999997,-36.837256240000002,-0.11321196,2.8030830199999999,{"$f":"SUM(C16:F16)","v":-64.978048470000004},null,-24.6172909,null,{"$f":"G16+I16","v":-89.595339370000005}]
[null,"Other impairment",0.10153031,-0.6562142700000001,0.27577278,-37.003023040000009,{"$f":"SUM(C17:F17)","v":-37.281934220000011},null,-6.5589014100000007,null,{"$f":"G17+I17","v":-43.840835630000015}]
[null,"Associates income",0,0,0,-4.2949786200000002,-4.2949786200000002,null,14.762325070000001,null,10.467346450000001]
[null,"Profit before tax(1)",{"$f":"SUM(C15:C18)","v":452.71081070000002},311.51736086000005,190.24477190000002,{"$f":"SUM(F15:F18)","v":-60.996127399999999},{"$f":"SUM(G15:G18)","v":893.47681606000015},null,{"$f":"SUM(I15:I18)","v":-47.023733530000001},null,{"$f":"SUM(K15:K18)","v":846.45308253000019}]
[]
[null,"Assets",11904.864432509998,23090.997638589972,26257.622408430008,6521.4908746115989,{"$f":"SUM(C21:F21)","v":67774.97535414157},null,8850.8738985699965,null,{"$f":"G21+I21","v":76625.849252711574}]
[]
[null,"NIM over assets",{"$f":"C9*2/C21","v":9.0255184780248673E-2},{"$f":"D9*2/D21","v":2.8468937834950216E-2},{"$f":"E9*2/E21","v":1.496444461376098E-2},{"$f":"F9*2/F21","v":-6.8145529380421184E-4},{"$f":"G9*2/G21","v":3.1284977030543934E-2},null,{"$f":"I9*2/I21","v":-3.3855341476327354E-3},null,{"$f":"K9*2/K21","v":2.7280266799862295E-2}]
[null,"NFI and rental Income over assets",{"$f":"(C10+C11)*2/C21","v":2.5146051069888875E-2},{"$f":"(D10+D11)*2/D21","v":9.6049200823331432E-3},{"$f":"(E10+E11)*2/E21","v":5.3001378813079356E-4},{"$f":"(F10+F11)*2/F21","v":1.5910435008648166E-2},{"$f":"(G10+G11)*2/G21","v":9.425664432070692E-3},null,{"$f":"(I10+I11)*2/I21","v":1.1631349127754818E-3},null,{"$f":"(K10+K11)*2/K21","v":8.4712788354124446E-3}]
[null,"Cost to core income",{"$f":"-C14/(C9+C10+C11)","v":0.29461353370055365},0.19999439922976114,0.10767507620365116,1.2422811542520258,0.27101111328352534,null,"n.m.",null,0.28600209358102008]
[null,"PPI over assets",{"$f":"C15*2/C21","v":8.1217211068748393E-2},{"$f":"D15*2/D21","v":3.0229168685785034E-2},{"$f":"E15*2/E21","v":1.447825001999984E-2},{"$f":"F15*2/F21","v":-6.9006333651705359E-3},{"$f":"G15*2/G21","v":2.9510354585732524E-2},null,{"$f":"I15*2/I21","v":-6.9168009036815054E-3},null,{"$f":"K15*2/K21","v":2.5302738450124131E-2}]
[null,"Cost of risk",6.9569654861607148E-3,3.4663739737584385E-3,4.3442509995225698E-4,-5.7038264842155413E-2,4.2280295727488461E-3,null,7.168280207639331E-3,null,4.7650512181081437E-3]
[null,"Pre-tax RoA",{"$f":"C19*2/C21","v":7.605476118883471E-2},{"$f":"D19*2/D21","v":2.6981715189246587E-2},{"$f":"E19*2/E21","v":1.4490632010834456E-2},{"$f":"F19*2/F21","v":-1.8706191137201508E-2},{"$f":"G19*2/G21","v":2.6365979814565933E-2},null,{"$f":"I19*2/I21","v":-1.0625783186809939E-2},null,{"$f":"K19*2/K21","v":2.209314717644181E-2}]
[]
[null,"(1) Profit before tax illustrated on the table excludes cards merchant acquiring business consideration and non-recurring operating costs"]

{"sheet":"Performing loans","index":10,"n_rows":33,"n_cols":12,"rows_kept":33,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"PERFORMING LOANS"]
[]
[]
[]
[null,null,"2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Segments"]
[null,"Corporate lending",17905.000095090007,19098.747220669567,19984.738742453286,20514.445660423495,20383.713875636407,21105.375983716935,21515.487456171279,22337.0366032124,22236.156401214306,23518.711968549593]
[null,"     >> Large corporate",{"$f":"C11-C13-C14-C15","v":7922.1791230200042},8464.0991213295674,9077.2356765832919,{"$f":"F11-F13-F14-F15","v":9342.9806932934898},{"$f":"G11-G13-G14-G15","v":9281.8161640464004},{"$f":"H11-H13-H14-H15","v":9745.6582291369305},{"$f":"I11-I13-I14-I15","v":10065.280643251277},{"$f":"J11-J13-J14-J15","v":10523.980135152398},{"$f":"K11-K13-K14-K15","v":10581.835123744306},11033.950242489589]
[null,"     >> SME",6069.6412972400021,6349.4944474100021,6377.9192389699929,6772.1234731200057,6694.1187481200059,6832.391938460004,6796.5263917200018,7081.0268142800005,6887.6299575700004,7189.9548364700013]
[null,"     >> Shipping",2043.2340201699999,2247.9220863999999,2510.7680648400001,2344.9555170499998,2407.4997594500005,2344.1885000699999,2455.9835172100002,2476.2879172100002,2525.2433058999995,2990.9356095900002]
[null,"     >> SB",1869.9456546600006,2037.2315655299994,2018.8157620600007,2054.3859769600008,2000.2792040200002,2183.1373160499993,2197.6969039899996,2255.7417365699998,2241.4480140000005,2303.8712800000012]
[null,"Retail lending",{"$f":"+C17+C18","v":8348.7451683199743},8357.1500721099819,8298.8869475100037,8119.1589698599137,{"$f":"+G17+G18","v":7964.6417155700037},{"$f":"+H17+H18","v":7882.2077686799548},{"$f":"+I17+I18","v":7836.4035779199885},{"$f":"+J17+J18","v":7796.9199076700161},{"$f":"+K17+K18","v":7756.5411244300494},7767.6559861499918]
[null,"    >>Mortgage loans",6668.1140921099886,6632.0461390599839,6575.1606455600113,6490.8475559799444,6359.2653837400221,6261.5478573899682,6196.5699702999837,6202.9458829600107,6161.187211230028,6132.6417113399948]
[null,"   >>Consumer loans & credit cards",1680.6310762099856,1725.1039330499984,1723.7263019499921,1628.311413879969,1605.3763318299812,1620.6599112899867,1639.8336076200046,1593.9740247100056,1595.3539132000217,1635.0142748099968]
[null,"Senior notes",6182,6131.1678308704404,6108.7819081267126,6074.4239423764802,6034.0444514236096,5951.678018693071,5900.8357836587293,5984.423639567588,5902.6959318857143,5848.6639154404074]
[null,"Total",{"$f":"+C11+C16+C19","v":32435.745263409983},33587.065123649991,34392.407598090002,34708.028572659889,{"$f":"+G11+G16+G19","v":34382.400042630019},{"$f":"+H11+H16+H19","v":34939.261771089958},{"$f":"+I11+I16+I19","v":35252.726817749994},{"$f":"+J11+J16+J19","v":36118.380150450008},{"$f":"+K11+K16+K19","v":35895.393457530066},{"$f":"+L11+L16+L19","v":37135.031870139996}]
[]
[null,"Industry"]
[null,"Manufacturing",3044,3276,3393,3487,3326,3347,3226,3297.2258022699971,2939.058291159999,3268.3964427200003]
[null,"Hospitality",1774,1789,1927,2083,2116,2265,2246,2291.2853722699997,2333.9914161099987,2353.6150409099992]
[null,"Energy",1572,1751,1863,1978,1992,2109,2337,2567.2187595700007,2538.7364932999999,2561.7796666800004]
[null,"Trade (retail & wholesale)",1955,2089,2065,2188,2210,2413,2388,2429.5137425900007,2551.0763313800035,2677.5861599699992]
[null,"Construction & real estate",1282,1371,1713,1862,1921,1954,1997,1956.6577410400005,1956.5871280899996,2004.6094873899999]
[null,"Transportation (incl shipping)",2796,2974,3228,3112,3247,3179,3324,3354.642989240001,3493.3578696599993,3950.9161177400006]
[null,"Other",3612,3812,3777,3750,{"$f":"G12+G13+G14-SUM(G23:G28)","v":3571.4346716164073},3655.2386676669339,3799.7905521812791,4184.7504596623985,4181.9008575143034,4397.9377731395871]
[null,"Total CIB (Corporate, SME & Shipping)",{"$f":"SUM(C23:C29)","v":16035},17062,17966,18460,{"$f":"SUM(G23:G29)","v":18383.434671616407},18922.238667666934,19317.790552181279,20081.294866642398,19994.708387214305,21214.84068854959]
[]
[]
[null,"* Corporate lending excludes seasonal OPEKEPE loan of €1,517mn for Dec.22 and €951mn for Dec.23"]

{"sheet":"Loan portfolio quality","index":11,"n_rows":78,"n_cols":12,"rows_kept":78,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"LOAN PORTFOLIO QUALITY"]
[]
[]
[]
[null,"CONSOLIDATED LOAN PORTFOLIO QUALITY","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Gross loans"]
[null,"1. Loans to businesses",28061.088986570005,28043.942650490008,28792.26117365,28557.665536989974,28191.743425110013,28717.459791850004,29041.369762400009,29332.752149729986,29104.34764885002,30260.114412570001]
[null,"     o/w Senior notes",6182,6131.1678308704404,6108.7819081267126,6074.4239423764802,6034.0444514236096,5951.678018693071,5900.8357836587293,5984.423639567588,5902.6959318857143,5848.6639154404074]
[null,"2. OPEKEPE (seasonal loan to farmers)",0,0,0,1517.3255670000001,0,0,0,950.67031599999996,0,0]
[null,"3. Mortgage loans",7114.9188832399896,6984.9177105599838,6945.0078594100114,6879.6432926499447,6756.681081040022,6518.5449787499683,6475.5954375099827,6453.9157924400106,6425.0518737000284,6420.1000731399954]
[null,"4. Consumer loans ",1981.4769415699855,1983.9500897699984,1986.4302856499921,1895.0359720999691,1875.528453499981,1751.8366322199865,1781.2178743300046,1661.0325662700056,1668.6362921200216,1718.3245322399969]
[null,"5. Loans to individuals",{"$f":"C14+C15","v":9096.3958248099752},{"$f":"D15+D14","v":8968.8678003299829},{"$f":"E14+E15","v":8931.4381450600031},8774.6792647499133,8632.209534540003,8270.3816109699546,8256.8133118399874,{"$f":"J14+J15","v":8114.9483587100167},{"$f":"K14+K15","v":8093.68816582005},8138.4246053799925]
[null,"6. Total gross loans to customers",{"$f":"C11+C16","v":37157.484811379982},{"$f":"D11+D16","v":37012.81045081999},{"$f":"E11+E16","v":37723.699318710002},{"$f":"F11+F13+F16","v":38849.670368739884},36823.952959650014,36987.841402819962,37298.183074239998,{"$f":"J11+J13+J16","v":38398.370824440004},{"$f":"K11+K13+K16","v":37198.035814670067},38398.539017949995]
[]
[null,"Loans in arrears > 90 days"]
[null,"1. Loans to businesses",2884.7019356400069,1783.5284245700002,1737.2395137399999,1329.46592289,1180.5564713599993,985.02013212999987,1045.8946054600001,607.30707888999996,665.6129204099999,670.83578849999969]
[null,"2. Mortgage loans",214.03616097999998,174.78648602000004,203.64543909,227.50133473000002,263.39582256999995,130.56384055999999,155.11272435000001,139.46051986999998,158.02156826000004,186.75315023999994]
[null,"3. Consumer loans ",232.34945528000014,204.92860217,212.29177344999999,214.9766817299998,224.59155294000024,93.775955620000033,105.93434641000003,43.057630899999999,51.717519379999992,63.854707859999991]
[null,"4. Loans to individuals",{"$f":"C21+C22","v":446.38561626000012},379.71508819000007,415.93721254000002,442.47801645999982,{"$f":"G21+G22","v":487.98737551000022},{"$f":"H21+H22","v":224.33979618000001},{"$f":"I21+I22","v":261.04707076000005},{"$f":"J21+J22","v":182.51815076999998},{"$f":"K21+K22","v":209.73908764000004},250.60785809999993]
[null,"5. Total loans in arrears",{"$f":"C20+C23","v":3331.0875519000069},2163.2435127600002,2153.1767262799999,{"$f":"F20+F23","v":1771.9439393499997},{"$f":"G20+G23","v":1668.5438468699995},{"$f":"H20+H23","v":1209.3599283099998},{"$f":"I20+I23","v":1306.9416762200001},{"$f":"J20+J23","v":789.82522965999988},{"$f":"K20+K23","v":875.35200804999999},921.44364659999962]
[]
[null,"NPEs"]
[null,"1. Loans to businesses",3974.0888914799993,2814.027598950001,2698.7405230700001,1968.7959341899998,1773.9850980499994,1660.4057894400009,1625.04652257,1011.2919069500001,965.49531574999946,892.738528580001]
[null,"2. Mortgage loans",446.80479113000007,352.87157150000002,369.84721385,388.79573667,397.41569729999986,256.99712136000011,279.02546720999993,250.96990948000004,263.86466247000004,287.45836180000003]
[null,"3. Consumer loans ",300.84586535999995,258.8461567199999,262.70398369999992,266.72455822000006,270.15212166999987,131.17672092999976,141.38426670999996,67.058541560000108,73.282378920000014,83.310257430000007]
[null,"4. Loans to individuals",{"$f":"C28+C29","v":747.65065649000007},611.71772821999991,632.55119754999987,655.52029489000006,667.56781896999973,{"$f":"H28+H29","v":388.17384228999987},{"$f":"I28+I29","v":420.40973391999989},{"$f":"J28+J29","v":318.02845104000016},{"$f":"K28+K29","v":337.14704139000003},370.76861923000001]
[null,"5. Total loans in arrears",{"$f":"C27+C30","v":4721.739547969999},3425.745327170001,3331.29172062,{"$f":"F27+F30","v":2624.3162290800001},{"$f":"G27+G30","v":2441.5529170199989},{"$f":"H27+H30","v":2048.579631730001},{"$f":"I27+I30","v":2045.4562564899998},{"$f":"J27+J30","v":1329.3203579900003},{"$f":"K27+K30","v":1302.6423571399996},{"$f":"L27+L30","v":1263.507147810001}]
[]
[]
[]
[null,"LLRs"]
[null,"1. Loans to businesses",1762.514131014563,1273.9698686300001,1338.1540279739479,1131.6451049063865,1059.972212671262,1000.017739251538,998.11833876000003,697.42609226714399,656.85700860117151,609.20935852408843]
[null,"2. Mortgage loans",81.753611200000009,80.594922580000002,83.60878763829318,86.436325317913628,89.259121989929753,47.792738938082771,50.083827849999992,42.180639089449983,43.512418448261407,45.713071716575037]
[null,"3. Consumer loans ",236.25888628000001,212.90668455000005,208.90147599533915,213.38569343117175,210.50448347320943,116.17888437747696,123.69489336000001,79.444530437009149,83.5766080267787,88.190032037026569]
[null,"4. Loans to individuals",318.01249748000004,293.50160713000002,292.51026363363235,299.82201874908537,299.76360546313919,163.97162331555973,173.77872121000001,121.62516952645913,127.0890264750401,133.90310375360161]
[null,"5. Total loans to customers",{"$f":"C36+C39","v":2080.5266284945628},{"$f":"D36+D39","v":1567.47147576},{"$f":"E36+E39","v":1630.6642916075803},{"$f":"F36+F39","v":1431.4671236554718},{"$f":"G36+G39","v":1359.7358181344011},{"$f":"H36+H39","v":1163.9893625670977},{"$f":"I36+I39","v":1171.8970599700001},{"$f":"J36+J39","v":819.05126179360309},{"$f":"K36+K39","v":783.94603507621161},{"$f":"L36+L39","v":743.11246227769004}]
[]
[null,"Loans in arrears > 90 days / gross loans"]
[null,"1. Loans to businesses",{"$f":"+C20/C11","v":0.10280078356975458},{"$f":"+D20/D11","v":6.3597634854628285E-2},{"$f":"+E20/E11","v":6.0337029567163018E-2},{"$f":"+F20/(F11+F13)","v":4.4205031293047432E-2},4.1875965368941788E-2,3.4300392140169306E-2,3.6013955747160542E-2,2.0054109788193674E-2,{"$f":"+K20/(K11+K13)","v":2.2869879388494035E-2},2.2168977266699811E-2]
[null,"2. Mortgage loans",{"$f":"+C21/C14","v":3.0082726801592467E-2},{"$f":"+D21/D14","v":2.5023413769893553E-2},{"$f":"+E21/E14","v":2.932256423786106E-2},{"$f":"+F21/F14","v":3.3068768982987433E-2},{"$f":"+G21/G14","v":3.898301835040241E-2},{"$f":"+H21/H14","v":2.0029598780959494E-2},{"$f":"+I21/I14","v":2.3953430359702099E-2},{"$f":"+J21/J14","v":2.1608667412946616E-2},{"$f":"+K21/K14","v":2.4594598046256601E-2},2.9088822310001965E-2]
[null,"3. Consumer loans ",{"$f":"+C22/C15","v":0.11726074142245757},{"$f":"+D22/D15","v":0.10329322457590534},{"$f":"+E22/E15","v":0.10687099113600892},{"$f":"+F22/F15","v":0.11344200579568688},{"$f":"+G22/G15","v":0.11974841145218729},{"$f":"+H22/H15","v":5.3530080314146633E-2},{"$f":"+I22/I15","v":5.9472986396931736E-2},{"$f":"+J22/J15","v":2.5922207531842489E-2},{"$f":"+K22/K15","v":3.0993883822514903E-2},3.7161029050059247E-2]
[null,"4. Loans to individuals",{"$f":"+C23/C16","v":4.9072800354894974E-2},{"$f":"+D23/D16","v":4.2337014731784715E-2},{"$f":"+E23/E16","v":4.6570015464984856E-2},{"$f":"+F23/F16","v":5.0426688327805322E-2},{"$f":"+G23/G16","v":5.6530992853848085E-2},{"$f":"+H23/H16","v":2.7125688599717385E-2},{"$f":"+I23/I16","v":3.1615958954245398E-2},{"$f":"+J23/J16","v":2.2491597321638874E-2},{"$f":"+K23/K16","v":2.5913907645433647E-2},{"$f":"+L23/L16","v":3.0793165784730982E-2}]
[null,"5. Total loans to customers",{"$f":"+C24/(C17)","v":8.9647821127005242E-2},5.8445805287722356E-2,5.7077560397478799E-2,4.5610269598986918E-2,{"$f":"+G24/(G17)","v":4.5311372429198804E-2},{"$f":"+H24/(H17)","v":3.2696147772975956E-2},{"$f":"+I24/(I17)","v":3.5040357692990139E-2},{"$f":"+J24/(J17)","v":2.0569238035413929E-2},{"$f":"+K24/(K17)","v":2.3532210475069787E-2},2.3996841290478695E-2]
[]
[null,"NPEs / gross loans"]
[null,"1. Loans to businesses",{"$f":"+C27/(C11+C13)","v":0.14162276073398264},0.10034350854375435,9.3731454670876069E-2,6.5462893318322696E-2,{"$f":"+G27/(G11+G13)","v":6.2925696765171832E-2},5.7818685965783892E-2,5.595626294025411E-2,3.3394240961186643E-2,3.3173576930804305E-2,2.9502153111792561E-2]
[null,"2. Mortgage loans",{"$f":"+C28/C14","v":6.2798297276796811E-2},{"$f":"+D28/D14","v":5.0519073541341712E-2},{"$f":"+E28/E14","v":5.3253678230022777E-2},{"$f":"+F28/F14","v":5.6513938314996737E-2},{"$f":"+G28/G14","v":5.8818181964395401E-2},{"$f":"+H28/H14","v":3.9425534716381334E-2},{"$f":"+I28/I14","v":4.3088773828232188E-2},{"$f":"+J28/J14","v":3.8886455533550843E-2},{"$f":"+K28/K14","v":4.1068098383779568E-2},4.4774747827163938E-2]
[null,"3. Consumer loans ",{"$f":"+C29/C15","v":0.15182910234707575},{"$f":"+D29/D15","v":0.13047009501635609},{"$f":"+E29/E15","v":0.1322492843558509},{"$f":"+F29/F15","v":0.1407490739737417},{"$f":"+G29/G15","v":0.14404053490410168},{"$f":"+H29/H15","v":7.4879539859700375E-2},{"$f":"+I29/I15","v":7.9375054982075616E-2},{"$f":"+J29/J15","v":4.0371599522931657E-2},{"$f":"+K29/K15","v":4.3917526704932153E-2},4.8483424328114137E-2]
[null,"4. Loans to individuals",{"$f":"+C30/C16","v":8.2191966014805495E-2},{"$f":"+D30/D16","v":6.8204565151188154E-2},{"$f":"+E30/E16","v":7.0822994827531252E-2},{"$f":"+F30/F16","v":7.4705898086029135E-2},{"$f":"+G30/G16","v":7.7334524411028838E-2},{"$f":"+H30/H16","v":4.6935420945403587E-2},{"$f":"+I30/I16","v":5.0916705760701494E-2},{"$f":"+J30/J16","v":3.9190446689491343E-2},{"$f":"+K30/K16","v":4.1655551150807206E-2},{"$f":"+L30/L16","v":4.5557787558159528E-2}]
[null,"5. Total loans to customers",{"$f":"+C31/(C17)","v":0.12707371265678086},{"$f":"+D31/(D17)","v":9.2555666144884877E-2},{"$f":"+E31/(E17)","v":8.8307662842805112E-2},{"$f":"+F31/(F17)","v":6.7550540433713377E-2},{"$f":"+G31/(G17)","v":6.630339007046146E-2},{"$f":"+H31/(H17)","v":5.5385217250710307E-2},{"$f":"+I31/(I17)","v":5.4840640693371863E-2},{"$f":"+J31/(J17)","v":3.4619186425063307E-2},{"$f":"+K31/(K17)","v":3.5019116698260362E-2},{"$f":"+L31/(L17)","v":3.2905083894451168E-2}]
[]
[null,"LLRs / gross loans"]
[null,"1. Loans to businesses",{"$f":"+C36/C11","v":6.2809897786151481E-2},{"$f":"+D36/D11","v":4.5427630647637919E-2},{"$f":"+E36/E11","v":4.6476170103603914E-2},{"$f":"+F36/(F11+F13)","v":3.7627446039585156E-2},3.7598675494725127E-2,3.4822639136604362E-2,3.4368845096702988E-2,2.3029962781002746E-2,{"$f":"+K36/(K11+K13)","v":2.2569033895770051E-2},2.0132420856645006E-2]
[null,"2. Mortgage loans",{"$f":"+C37/C14","v":1.1490448807867655E-2},{"$f":"+D37/D14","v":1.1538421198313397E-2},{"$f":"+E37/E14","v":1.203868869997159E-2},{"$f":"+F37/F14","v":1.2564070786963656E-2},{"$f":"+G37/G14","v":1.3210498012167617E-2},{"$f":"+H37/H14","v":7.3318108709664476E-3},{"$f":"+I37/I14","v":7.7342428713024092E-3},{"$f":"+J37/J14","v":6.5356661670205787E-3},{"$f":"+K37/K14","v":6.7723061702229777E-3},7.1203051659313637E-3]
[null,"3. Consumer loans ",{"$f":"+C38/C15","v":0.11923372981206877},{"$f":"+D38/D15","v":0.10731453661451865},{"$f":"+E38/E15","v":0.10516426249863746},{"$f":"+F38/F15","v":0.11260245007101902},{"$f":"+G38/G15","v":0.11223742464710711},{"$f":"+H38/H15","v":6.6318332566348476E-2},{"$f":"+I38/I15","v":6.944399960421864E-2},{"$f":"+J38/J15","v":4.7828400267556949E-2},{"$f":"+K38/K15","v":5.0086773505683288E-2},5.1323268906638145E-2]
[null,"4. Loans to individuals",{"$f":"+C39/C16","v":3.4960274773074021E-2},{"$f":"+D39/D16","v":3.2724488047332072E-2},{"$f":"+E39/E16","v":3.2750634207260383E-2},{"$f":"+F39/F16","v":3.4169000336404957E-2},{"$f":"+G39/G16","v":3.4726173439569213E-2},{"$f":"+H39/H16","v":1.982636727404034E-2},{"$f":"+I39/I16","v":2.1046705871477958E-2},{"$f":"+J39/J16","v":1.4987793409173725E-2},{"$f":"+K39/K16","v":1.5702239062253702E-2},1.6453197055494442E-2]
[null,"5. Total loans to customers",5.5992127536505738E-2,4.2349431363574656E-2,{"$f":"+E40/E17","v":4.3226521286548691E-2},3.6846313239437212E-2,3.6925308361770305E-2,3.1469513181116723E-2,3.1419682230563427E-2,{"$f":"+J40/J17","v":2.1330364914135598E-2},{"$f":"+K40/K17","v":2.1074930917912633E-2},1.9352623336276169E-2]
[]
[null,"LLRs / NPLs"]
[null,"1. Loans to businesses",{"$f":"+C36/C20","v":0.61098656649375016},{"$f":"+D36/D20","v":0.71429748529920278},{"$f":"+E36/E20","v":0.77027607154359246},{"$f":"+F36/F20","v":0.85120279160402279},{"$f":"+G36/G20","v":0.89785811893451872},{"$f":"+H36/H20","v":1.0152256858843154},{"$f":"+I36/I20","v":0.95432019015052927},{"$f":"+J36/J20","v":1.1483911788775099},{"$f":"+K36/K20","v":0.98684533977580402},0.9081348505366581]
[null,"2. Mortgage loans",{"$f":"+C37/C21","v":0.38196167799720182},{"$f":"+D37/D21","v":0.46110499967816665},{"$f":"+E37/E21","v":0.41056057043017169},{"$f":"+F37/F21","v":0.3799376624339228},{"$f":"+G37/G21","v":0.33887827498178447},{"$f":"+H37/H21","v":0.36604881361558789},{"$f":"+I37/I21","v":0.322886649434315},{"$f":"+J37/J21","v":0.30245577120155037},{"$f":"+K37/K21","v":0.2753574649801504},0.24477804876559414]
[null,"3. Consumer loans ",{"$f":"+C38/C22","v":1.0168256516688996},{"$f":"+D38/D22","v":1.0389310340065745},{"$f":"+E38/E22","v":0.98403001020923053},{"$f":"+F38/F22","v":0.99259925176058739},{"$f":"+G38/G22","v":0.93727693992768202},{"$f":"+H38/H22","v":1.2388984320059433},{"$f":"+I38/I22","v":1.167656171505141},{"$f":"+J38/J22","v":1.8450743521285828},{"$f":"+K38/K22","v":1.6160212057483008},1.3811046200443235]
[null,"4. Loans to individuals",{"$f":"+C39/C23","v":0.71241654277402089},{"$f":"+D39/D23","v":0.77295218509499697},{"$f":"+E39/E23","v":0.70325581557697747},{"$f":"+F39/F23","v":0.67759754743926226},{"$f":"+G39/G23","v":0.61428557480581014},{"$f":"+H39/H23","v":0.73090742751676741},{"$f":"+I39/I23","v":0.6656987979373562},{"$f":"+J39/J23","v":0.66637301009982808},{"$f":"+K39/K23","v":0.60593868269884921},0.53431326842181592]
[null,"5. Total loans to customers",{"$f":"+C40/C24","v":0.62457878878261808},{"$f":"+D40/D24","v":0.7245931706320583},{"$f":"+E40/E24","v":0.75732951768657009},{"$f":"+F40/F24","v":0.80785124848846823},{"$f":"+G40/G24","v":0.81492363577086246},{"$f":"+H40/H24","v":0.96248381918333903},{"$f":"+I40/I24","v":0.89667127561454574},{"$f":"+J40/J24","v":1.0370031635304742},{"$f":"+K40/K24","v":0.89557803931082403},0.80646544693174982]
[]
[null,"LLRs / NPEs"]
[null,"1. Loans to businesses",{"$f":"+C36/C27","v":0.44350143621427179},{"$f":"+D36/D27","v":0.4527211705760657},{"$f":"+E36/E27","v":0.49584390071399198},{"$f":"+F36/F27","v":0.57479045199875778},{"$f":"+G36/G27","v":0.59750908496153954},{"$f":"+H36/H27","v":0.60227309830617393},{"$f":"+I36/I27","v":0.61420908564604215},{"$f":"+J36/J27","v":0.68963875560968557},{"$f":"+K36/K27","v":0.68033163691832432},0.68240513769816014]
[null,"2. Mortgage loans",{"$f":"+C37/C28","v":0.18297389111079024},{"$f":"+D37/D28","v":0.22839732381218475},{"$f":"+E37/E28","v":0.22606304578571906},{"$f":"+F37/F28","v":0.22231808933460245},{"$f":"+G37/G28","v":0.22459888372891854},{"$f":"+H37/H28","v":0.185966047733021},{"$f":"+I37/I28","v":0.1794955433666775},{"$f":"+J37/J28","v":0.1680705036585726},{"$f":"+K37/K28","v":0.16490430374779166},0.15902501993794857]
[null,"3. Consumer loans ",{"$f":"+C38/C29","v":0.7853153839999979},{"$f":"+D38/D29","v":0.8225221005707507},{"$f":"+E38/E29","v":0.79519721419184253},{"$f":"+F38/F29","v":0.80002267078521772},{"$f":"+G38/G29","v":0.77920721914724744},{"$f":"+H38/H29","v":0.88566693506139604},{"$f":"+I38/I29","v":0.87488442836229097},{"$f":"+J38/J29","v":1.1847041195479442},{"$f":"+K38/K29","v":1.140473457036876},1.0585735149255384]
[null,"4. Loans to individuals",{"$f":"+C39/C30","v":0.42534905135103496},{"$f":"+D39/D30","v":0.47979908639241575},{"$f":"+E39/E30","v":0.46242938874605632},{"$f":"+F39/F30","v":0.45738022313923504},{"$f":"+G39/G30","v":0.44903843017125794},{"$f":"+H39/H30","v":0.42241801340405249},{"$f":"+I39/I30","v":0.41335560808653521},{"$f":"+J39/J30","v":0.38243487061842046},{"$f":"+K39/K30","v":0.37695429848968454},0.36115004563138903]
[null,"5. Total loans to customers",{"$f":"+C40/C31","v":0.44062714754968568},0.45755633477135438,0.4894990977566176,0.54546289345522114,{"$f":"+G40/G31","v":0.55691433458423933},{"$f":"+H40/H31","v":0.56819336897542161},{"$f":"+I40/I31","v":0.57292697228391176},{"$f":"+J40/J31","v":0.61614287095704312},{"$f":"+K40/K31","v":0.60181217874520421},{"$f":"+L40/L31","v":0.58813475140659432}]
[]
[]
[null,"* Gross loans, NPEs & NPLs include loans and advances to customers fair valued through P&L. LLRs include ECL allowance for impairment losses on loans and advances to customers mandatorily measured at FVTPL"]

{"sheet":"IFRS9 stages","index":12,"n_rows":54,"n_cols":12,"rows_kept":54,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"IFRS9 STAGES"]
[]
[]
[]
[null,"LOAN BOOK EXPOSURE","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Corporate and public loans",27969.930113500002,27955.28298887,28703.22038631,30012.87820101,28129.292289959998,28654.617957729999,28978.402439199999,30230.87074523,29054.406812539997,30209.86888967]
[null,"Stage 1",21010.985513720003,22625.14255095,23610.51993015,26169.175918290002,24426.348223639998,25064.457715209999,25731.94263455,27558.26636704,26450.677390919998,27746.137670370001]
[null,"Stage 2",2844.3308835600001,2398.0107179699999,2281.2837903099999,1756.8015337899999,1814.3409599000001,1817.3229582000001,1533.9733158299998,1510.5449838699999,1494.5605430399999,1428.2427050699998]
[null,"Stage 3 & POCI credit impaired",3918.7502543799992,2758.284627420001,2642.6220584500002,1912.3978517299997,1717.2322469899993,1603.2801201000009,1567.7925756899999,1011.1601057200002,965.3601638699995,892.60002607000104]
[null,"POCI not credit impaired",195.86346184000104,173.84509252999896,168.79460739999968,174.50289720000046,171.37085943000079,169.55716421999909,144.69391313000028,150.89928859999998,143.80871471000046,142.88848815999893]
[null,"Mortgages ",7114.7161194300006,6984.7145553099999,6944.8073204000002,6879.4438452100003,6756.4819082599997,6518.34613446,6475.3956019699999,6453.7158388899998,6424.8504618399993,6419.8970501899994]
[null,"Stage 1",4484.1047358000005,4424.6464673700002,4515.0083898900002,4551.4195924800006,4494.7538112299999,4455.5179153199997,4424.7336493299999,4431.0861395699994,4471.78187256,4602.3476285699999]
[null,"Stage 2",1922.78016357,1944.7143063399999,1798.8688525799998,1677.2194352500001,1600.5626412199999,1544.21900231,1513.8301326800001,1514.14759596,1436.0803217600001,1281.60644471]
[null,"Stage 3 & POCI credit impaired",446.71312722000005,352.77946392000001,369.75514364000003,388.69884953999997,397.31858242999988,256.90012403000009,278.92382209999994,250.86878684000004,263.76310561000003,287.35614193000004]
[null,"POCI not credit impaired",261.11809283999992,262.57431768000004,261.17493429000001,262.10596794000003,263.84687338000003,261.70909279999995,257.90799786000014,257.61331651999996,253.22516191,248.58683497999994]
[null,"Consumer loans/Credit cards",1981.47694159,1983.9500895000001,1986.43028542,1895.03597225,1875.52845314,1751.83663368,1781.2178743100001,1661.0325663599999,1668.6362920800002,1718.3245323199999]
[null,"Stage 1",1153.8507397000001,1204.8619434700001,1263.9516938700001,1211.5374633700001,1207.80175927,1243.88013501,1276.21293466,1225.54324655,1206.86784354,1265.06172436]
[null,"Stage 2",461.70227822999999,456.22418359,397.68186606999996,362.67253324000001,344.71123091999999,325.81061890000001,314.12507239000001,320.8381468,342.59777213000001,325.89311838000003]
[null,"Stage 3 & POCI credit impaired",300.84586535999995,258.8461567199999,262.70398369999992,266.72455822000006,270.15212166999987,131.17672092999976,141.38426670999996,67.058541560000108,73.282378920000014,83.310257430000007]
[null,"POCI not credit impaired",65.078058300000066,64.017805720000069,62.092741780000097,54.101417419999962,52.863341280000157,50.969158840000262,49.495600550000034,47.592631449999885,45.888297489999985,44.059432149999992]
[null,"Total loans",37066.123174519998,36923.947633669995,37634.45799214,38787.358018450002,36761.302651340004,36924.800725870002,37235.0159155,38345.619150489998,37147.893566459999,38348.090472169999]
[null,"Stage 1",26648.940989220002,28254.650961790001,29389.480013910001,31932.13297413,30128.903794139998,30763.85576554,31432.889218550001,33214.895753149998,32129.327107009998,33613.547023300001]
[null,"Stage 2",5228.8133253599999,4798.9492078900003,4477.8345089599998,3796.6935022800003,3759.6148320300003,3687.35257942,3361.9285209099999,3345.53072664,3273.2386369400001,3035.7422681599996]
[null,"Stage 3 & POCI credit impaired",4666.3092469599997,3369.9102480600009,3275.0811857899998,2567.8212594899996,2384.7029510899988,1991.3569650600007,1988.1006645,1329.0874341200004,1302.4056483999996,1263.2664254300012]
[null,"POCI not credit impaired",522.05961297999966,500.43721592999918,492.06228348000059,490.7102825500001,488.08107408000114,482.2354158499993,452.09751153999991,456.10523657999966,442.92217411000024,435.53475527999876]
[]
[null,"LOAN LOSS RESERVES","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Corporate and public loans",1748.9294942445633,1261.36305197,1326.5617363539479,1121.0317535351926,1049.1559046612622,989.02409750153788,986.92921446999992,697.33245598714404,656.76279616117142,608.97681281408836]
[null,"Stage 1",55.50539796999999,59.963582639999998,46.647629892158101,26.428999424572819,32.978039007195953,37.926002154881957,41.861538460000006,35.630178822077404,36.540559500023313,36.273413500163279]
[null,"Stage 2",111.85301052999999,94.638159909999985,90.333742017965704,67.515062731128339,75.736577099789329,71.298873762228112,60.825876800000003,61.292396564367159,58.99289500780845,58.760437376691975]
[null,"Stage 3 & POCI credit impaired",1576.4830718000001,1099.2986797899998,1185.3294059400005,1023.1882950000002,935.93021167999973,876.38278997000009,881.33502361000012,596.69077658000003,557.49816675,510.0093169000001]
[null,"POCI not credit impaired",5.0880139445632722,7.4626296300000377,4.2509585038237674,3.8993963794912361,4.511076874277137,3.4164316144277791,2.9067755999998326,3.719104020699433,3.7311749033397064,3.9336450372330205]
[null,"Mortgages ",81.753611190000001,80.594922580000002,83.608787648293173,86.436325317913642,89.259121999929746,47.792738938082778,50.083827849999999,42.180639079449975,43.512418448261407,45.713071716575044]
[null,"Stage 1",3.3515153999999998,3.2918337799999997,3.0982646517775025,3.1933077622797184,3.1882162810238359,2.9999968909247956,3.1731554500000003,3.3848934419116845,3.7714287799899191,3.9362500060422776]
[null,"Stage 2",27.606303,27.461718699999999,26.377210990006738,19.887840894559123,20.47533581058352,15.575400612422969,15.2937306,15.327434954268588,14.37039238424088,12.8732856076735]
[null,"Stage 3 & POCI credit impaired",46.190928960000008,45.572683910000009,49.960837139999988,60.936756679999974,63.124150859999993,27.246468229999998,29.402010930000003,21.274813609999999,23.039533780000003,26.8675119]
[null,"POCI not credit impaired",4.6048638299999922,4.2686861899999897,4.1724748665089493,2.4184199810748197,2.4714190483224101,1.9708732047350139,2.2149308699999963,2.1934970732697039,2.331063504030606,2.036024202859263]
[null,"Consumer loans/Credit cards",236.25888629000002,212.90668455000002,208.90147600533913,213.38569344117175,210.50448348320947,116.178884367477,123.69489335999998,79.444530467009145,83.5766080267787,88.190032027026561]
[null,"Stage 1",16.730989269999998,16.24501304,14.905124677083016,7.6207376926020434,6.0629285036833211,6.3834839179913612,7.5737296300000008,8.9273963700051659,8.7372009789565848,9.0213832938005059]
[null,"Stage 2",41.391065640000008,39.319416799999999,31.916990784448874,32.675739088911136,30.137915338594468,26.123862967260816,25.733593479999996,28.911986608826044,31.167146103113495,29.773923200987173]
[null,"Stage 3 & POCI credit impaired",165.76948987000014,147.00009698000002,151.4174695400001,167.80333752999996,169.54797115000005,79.397171010000065,86.15487466999997,37.284982490000019,39.813407809999994,45.805387109999991]
[null,"POCI not credit impaired",12.367341509999846,10.342157729999997,10.661891003807142,5.2858791296585821,4.7556684909316402,4.2743664722247559,4.2326955800000263,4.3201649981779227,3.8588531347086246,3.589338422238896]
[null,"Total loans",2066.9419917245636,1554.8646591000002,1619.0719999975802,1420.853772304278,1348.9195101444013,1152.9957208270978,1160.7079356999998,818.95762552360304,783.85182262621163,742.87991656769009]
[null,"Stage 1",75.587902639999982,79.500429459999992,64.651019211018593,37.24304488945458,42.229183781903117,47.309482973798119,52.608423540000004,47.942468633994253,49.049189248969803,49.231046800006077]
[null,"Stage 2",180.85037918,161.41929540999999,148.6279438024213,120.0786427145986,126.34982824896734,112.99813735191189,101.85320089,105.53181812746178,104.53043349516282,101.40764619535264]
[null,"Stage 3 & POCI credit impaired",1788.44349063,1291.8714606799995,1386.7077126200006,1251.92838921,1168.6023336899998,983.02642921000006,996.89190921000011,655.25057268,620.35110834,582.6822159100002]
[null,"POCI not credit impaired",22.060219274563678,22.073473550000472,19.085324364139751,11.603695490224936,11.738164423530861,9.6616712913876199,9.3544020599996429,10.232766082147009,9.9210915420790116,9.5590076623311688]
[]
[null,"*POCI credit imapired refers to purchased or originated credit impaired (“POCI”) loans measured at amortised cost that continue to be credit impaired as of the end of the reporting period"]
[null,"** Loan figures do not include loans and advances to customers fair valued through P&L. LLRs do not include ECL allowance for impairment losses on loans and advances to customers mandatorily measured at FVTPL"]

{"sheet":"NPE flow decomposition","index":13,"n_rows":31,"n_cols":12,"rows_kept":31,"cut":false,"hidden":false,"merged":[[4,1,4,11],[31,1,31,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"NPE FLOW DECOMPOSITION"]
[]
[]
[]
[null,"Group data, amounts in €mn","Q1.22","Q2.22","Q3.22","Q4.22","Q1.23","Q2.23","Q3.23","Q4.23","Q1.24","Q2.24"]
[]
[null,"NPEs | Beginning of period",4915.0369695099962,4721.7395479699999,3425.745327170001,3331.29172062,2624.3162290799996,2441.5529170199989,2048.5796317300005,2045.45625649,{"$f":"J28","v":1329.3203579900003},{"$f":"K28","v":1302.6423571399996}]
[]
[null,"Re-defaults",40.4,38.72,31.74,39.03,34.39,23.21,18.59,16.59,16.809999999999999,13.64]
[null,"Defaults",75.099999999999994,70.05,67.31,75.849999999999994,58.4,193.13,61.39,62.79,67.61,78]
[null,"Total inflows",{"$f":"C13+C14","v":115.5},108.77,99.05,{"$f":"F13+F14","v":114.88},{"$f":"G13+G14","v":92.789999999999992},{"$f":"H13+H14","v":216.34},{"$f":"I13+I14","v":79.98},{"$f":"J13+J14","v":79.38},{"$f":"K13+K14","v":84.42},{"$f":"L13+L14","v":91.64}]
[null,"o/w business",50.2,30.96,26.71,46.61,22.16,151.85999999999999,16.920000000000002,23.12,35.56,30.17]
[null,"o/w mortgage",42.56,52.25,50.54,47.81,51.56,47.18,44.15,40.159999999999997,33.630000000000003,44.199999999999996]
[null,"o/w consumer",22.74,25.56,21.8,20.46,19.05,17.309999999999999,18.91,16.09,15.22,17.259999999999998]
[]
[null,"Curings, Collections, Liquidations",-224.10000000000019,-364.16999999999996,-169.97000000000006,-270.56999999999982,-158.26999999999995,-142.70000000000024,-52.539999999999893,-271.54000000000008,-58.239999999999839,-117.54000000000011]
[null,"o/w business",-113.0349940100061,-292.6099999999999,-125.33000000000001,-225.50999999999991,-101.47999999999993,-110.24999999999994,-21.840000000000128,-236.39000000000001,-30.169999999999966,-89.77]
[null,"o/w mortgage",-89.280590269999138,-54.17,-31.959999999999997,-28.740000000000009,-41.53,-20.080000000000016,-22.040000000000028,-22.169999999999966,-20.429999999999989,-20.590000000000028]
[null,"o/w consumer",-21.812554031532613,-17.389999999999997,-12.670000000000002,-16.319999999999961,-15.23000000000005,-12.389999999999953,-8.6600000000000108,-12.970000000000006,-7.6200000000000019,-7.1799999999999988]
[]
[null,"Write-offs",-83.1,-159.02000000000001,-18.75,-97.63,-95.11,-40.4,-30.6,-173.77,-26.32,-12.8]
[null,"Sales",-1.6,-881.57,-4.79,-453.65,-22.18,-426.21,0.04,-350.21,-26.54,-0.43]
[]
[null,"NPE | End of period",4721.7395479699999,3425.745327170001,3331.29172062,2624.3162290799996,2441.5529170199989,2048.5796317300005,2045.45625649,1329.3203579900003,1302.6423571399996,1263.5071478100012]
[]
[]
[null,"* Q2.23 business inflow elevated due to one corporate  client defaulting"]

{"sheet":"Capital adequacy","index":14,"n_rows":52,"n_cols":12,"rows_kept":52,"cut":false,"hidden":false,"merged":[[4,1,4,11],[51,1,51,11],[50,1,50,11],[52,1,52,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"CAPITAL ADEQUACY"]
[]
[]
[null,"amounts in € mn"]
[]
[null,null,"2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[]
[null,"Phased in data"]
[null,"Reported"]
[null,"Common Equity Tier I",3561.6973419999999,3474.0866339999998,3792.4899409999998,4064.2339860000002,3779.8510980000001,3865.9960590000001,4110.370457,4326.7381299999997,4494.4756909999996,4729.2096068473256]
[null,"Total Regulatory Capital",5053.4596650000003,4966.5417980000002,5285.0870880000002,5557.3076840000003,5273.5551919999998,5360.4137840000003,5604.9866160000001,5821.8881970000002,6085.0819289999999,6336.9569688473248]
[null,"Risk Weighted Assets",31670.097586,31539.619437000001,31891.510697000002,31178.187938999999,31082.554315000001,31617.013011999999,32172.703530999999,32765.057611,33051.265322618674,34143.051293999997]
[null,"Common Equity Tier I ratio",0.11246246817927313,0.11014992241550171,0.11891847887145575,0.13035504160638386,0.12160683641678371,0.12227581579362637,0.12775956030675054,0.13205342659148606,0.13598498112337623,0.13851162762592328]
[null,"Total Capital Ratio",0.15956564867782155,0.15746993421783689,0.16572081323501436,0.17824344682483956,0.16966286420852666,0.16954206844161704,0.17421559274927942,0.17768588311730774,0.18411040756238964,0.18560019473013317]
[]
[null,"Pro-Forma(1)",null,null,"1 Oct.22"]
[null,"Common Equity Tier I",3561.6973419999999,3586.8910390000001,3888.9745039999998,4064.2339860000002,3779.8510980000001,3865.9960590000001,4110.370457,4326.7381299999997,4494.4756909999996,4729.2096068473256]
[null,"Total Regulatory Capital",5053.4596650000003,5079.3462030000001,5381.5716510000002,5557.3076840000003,5273.5551919999998,5360.4137840000003,5604.9866160000001,5921.8881970000002,6085.0819289999999,6336.9569688473248]
[null,"Risk Weighted Assets",31109.188495090908,30466.186851000002,31996.763878000002,31178.187938999999,31082.554315000001,31336.371346,31926.632594999999,32557.058400999998,32856.039396618675,33355.959430999996]
[null,"Common Equity Tier I ratio",0.11449020415823585,0.11773350752893011,0.12154274472344186,0.13035504160638386,0.12160683641678371,0.12337089117031681,0.12874425277295676,0.13289708415017934,0.13679298459395386,0.14178005032744298]
[null,"Total Capital Ratio",0.16244267078189603,0.16672077237106811,0.16819112306229833,0.17824344682483956,0.16966286420852666,0.17106045000593989,0.1755583398694478,0.18189260602297253,0.18520436549105904,0.18997975405132414]
[]
[]
[null,"Fully loaded data"]
[null,"Reported"]
[null,"Common Equity Tier I",3050.6074239999998,2954.5648000000001,3269.5634300000002,3544.5996759999998,3779.8510980000001,3865.9960590000001,4110.370457,4326.7381299999997,4494.4756909999996,4729.2096068473256]
[null,"Total Regulatory Capital",4542.3697469999997,4447.0199640000001,4762.1605769999996,5037.673374,5273.5551919999998,5360.4137840000003,5604.9866160000001,5821.8881970000002,6085.0819289999999,6336.9569688473248]
[null,"Risk Weighted Assets",31217.726039000001,31084.085474,31434.699799000002,30722.611790999999,31082.554315000001,31617.013011999999,32172.703530999999,32765.057611,33051.265322618674,34143.051293999997]
[null,"Common Equity Tier I ratio",9.7720359906705107E-2,9.5050723061205031E-2,0.10401128214699894,0.11537429500178004,0.12160683641678371,0.12227581579362637,0.12775956030675054,0.13205342659148606,0.13598498112337623,0.13851162762592328]
[null,"Total Capital Ratio",0.14550610577225456,0.14306420459819125,0.15149375077383412,0.16397282263208349,0.16966286420852666,0.16954206844161704,0.17421559274927942,0.17768588311730774,0.18411040756238964,0.18560019473013317]
[]
[null,"Pro-Forma(1)",null,null,"1 Oct.22"]
[null,"Common Equity Tier I",3050.6074239999998,3067.3692050000004,3366.0479930000001,3544.5996759999998,3779.8510980000001,3865.9960590000001,4110.370457,4326.7381299999997,4494.4756909999996,4729.2096068473256]
[null,"Total Regulatory Capital",4542.3697469999997,4559.8243689999999,4858.6451399999996,5037.673374,5273.5551919999998,5360.4137840000003,5604.9866160000001,5921.8881970000002,6085.0819289999999,6336.9569688473248]
[null,"Risk Weighted Assets",30656.816948090909,30010.652888000001,31539.952979999998,30503.445551000001,31082.554315000001,31336.371346,31926.632594999999,32557.058400999998,32856.039396618675,33355.959430999996]
[null,"Common Equity Tier I ratio",9.9508289760329147E-2,0.10220934600948027,0.10672330409415849,0.11620325546744002,0.12160683641678371,0.12337089117031681,0.12874425277295676,0.13289708415017934,0.13679298459395386,0.14178005032744298]
[null,"Total Capital Ratio",0.14816834228717493,0.1519401922383129,0.1540473171624874,0.16515096189960904,0.16966286420852666,0.17106045000593989,0.1755583398694478,0.18189260602297253,0.18520436549105904,0.18997975405132414]
[]
[]
[null,"MREL ratio (Bank Group data)"]
[]
[null,"Total Regulatory Capital",5185,5086.3608839999997,5233.8998570000003,5000.533805,5225.0679479999999,5320.1079710000004,5575.7808599999998,5900.8378039999998,6103.9310939999996,6343.4118959999996]
[null,"MREL eligible liabilities",585.548,579.875,577.13838399999997,924.06571099999996,921.37388099999998,1418.2159300000001,1415.4900692599999,1911.4548856900001,2408.6541706799999,3055.8562978]
[null,"Risk Weighted Assets",31648,31517,31699.459964999998,30588.367203000002,30907.121765,31154.769199999999,32044.982413999998,32441.083143999997,32764.578960577099,33264.057677999997]
[null,"MREL ratio",0.18233531344792719,0.1797834782498334,0.18331663212610191,0.19368799506954185,0.19886814035075842,0.21628547005894688,0.21817053412410714,0.24081479200348122,0.25981061056583354,0.28256529268876412]
[]
[null,"Capital figures include profit for the period throughout the time horizon presented"]
[null,"(1) Pro-forma ratios adjusted for the RWA relief of the sale of NPE loan portfolios and any other regulatory capital adjustments illustrated in quarterly reporting. For Mar.22 capital ratio is illustrated pro forma for the Sunshine leasing NPE portfolio RWA relief, transaction for which loss has been booked in 2021, and for the RWA relief resulting from the synthetic securitization of a shipping portfolio, transaction which is expected to close in the forthcoming period, subject to regulatory approvals. For Jun.22 capital ratio is illustrated pro forma for the expected impact of the Iolcus and Natech transaction developments concluded post 30 June 2022, the RWA relief of the Sunrise 3 and Solar NPE securitization portfolios, classified as held for sale as at 30 June 2022, for which 100% sale scenarios are booked, the RWA relief expected from the mortgage and blended portfolio signed synthetic securitizations, concluded in the following period, as well as other financial developments post 30 Jun.22. For June and September 2023 pro-forma for the RWA relief from the Sunrise 3, Solar, NPE securitizations and the RWA of the Delta and Wheel NPE portfolios, classified as HFS as at 30 June 2023; for December 2023 pro-forma for the RWA relief from the Solar NPE securitization and the RWA of the Delta, Wheel NPE portfolios, classified as HFS as at 30 June 2023 and the RWA of the Monza NPE portfolio, classified as HFS as at 31 December 2023 as well as the capital accretion from the new issuance of Tier 2 in January 2024; for March 2024 pro forma for the RWA relief from the Solar NPE securitizations and the RWA of the Delta, Wheel, Monza NPE portfolios, classified as HFS as at 31 March 2024; MREL at 31 Mar.24 proforma for the RWA relief from the NPE securitizations and sales to be completed in the forthcoming period and the new €500mn Senior Preferred bond issued in Apr.24; for June 2024 pro forma for the RWA relief mainly from the Solar NPE securitization and the RWA Monza NPE portfolio, classified as HFS as at 30 June  2024 and taking into account the revised credit quality step (CQS) mapping of the ICAP-CRIF external credit assessment institution (‘ECAI’), as per the recently published EU Commission Implementing Regulation (EU) 2024/1872 of 1 July 2024; MREL at 30 Jun.24 also proforma for the new €650mn Green Senior Preferred bond issued in Jul.24"]

{"sheet":"Debt securities","index":15,"n_rows":20,"n_cols":12,"rows_kept":20,"cut":false,"hidden":false,"merged":[[4,1,4,11],[22,1,22,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"DEBT SECURITIES"]
[]
[]
[]
[null,null,"Issuer","Amount(€)","Coupon","Issue Date","Call Date","Reset Spread","Maturity","Denomination","ISIN","Documentation"]
[null,"€500mn 3.875% \n6NC5 SP Green Notes \ndue 2027","Piraeus Bank S.A. ",500000000,"3.875% | Annual","03-Nov-21","03-Nov-26","394.8 bps","03-Nov-27","100k +1k","XS2400040460","EMTN PROGRAMME"]
[null,"€350mn 8.25% \n5NC4 SP Notes   \ndue 2027","Piraeus Bank S.A. ",350000000,"8.25% | Annual","28-Nov-22","28-Jan-26","571.5 bps","28-Jan-27","100k +1k","XS2559486019","EMTN PROGRAMME"]
[null,"€500mn 7.25% \n5NC4 SP Notes \ndue 2028","Piraeus Bank S.A. ",500000000,"7.25% | Annual","13-Jul-23","13-Jul-27","369.2 bps","13-Jul-28","100k +1k","XS2644936259","EMTN PROGRAMME"]
[null,"€500mn 6.75% \n6NC5 SP Notes \ndue 2029","Piraeus Bank S.A. ",500000000,"6.75% | Annual","05-Dec-23","05-Dec-28","383.7 bps","05-Dec-29","100k +1k","XS2728486536","EMTN PROGRAMME"]
[null,"€500mn 5.00% \n6NC5 SP Notes \ndue 2030","Piraeus Bank S.A. ",500000000,"5.00% | Annual","16-Apr-24","16-Apr-29","224.5 bps","16-Apr-30","100k +1k","XS2802909478","EMTN PROGRAMME"]
[null,"€650mn 4.625% \n5NC4 SP Green Notes \ndue 2029","Piraeus Bank S.A. ",650000000,"4.625% | Annual","2024-07-17","2028-07-17","172.3 bps","2029-07-17","100k +1k","XS2845167613","EMTN PROGRAMME"]
[]
[null,"€500mn 5.50% \n10NC5 T2 Notes \ndue 2030","Piraeus Financial Holdings  S.A. ",500000000,"5.50% | Annual","19-Feb-20","19-Feb-25","577.4 bps","19-Feb-30","100k +1k","XS2121408996 ","EMTN PROGRAMME"]
[null,"€500mn 7.250% \n10.25NC5.25 Tier 2 \ndue 2034 ","Piraeus Financial Holdings  S.A. ",500000000,"7.25% | Annual","17-Jan-24","17-Apr-29","477.3 bps","17-Apr-34","100k +1k","XS2747093321","EMTN PROGRAMME"]
[]
[null,"€600mn 8.75% \nPerpNC5.5 AT1 Notes ","Piraeus Financial  Holdings  S.A. ",600000000,"8.75% | Semi-Annual","16-Jun-21","16-Jun-26","919.5 bps","Perpetual","200k +1k","XS2354777265 ","STANDALONE"]

{"sheet":"Other information","index":16,"n_rows":59,"n_cols":12,"rows_kept":59,"cut":false,"hidden":false,"merged":[[4,1,4,11],[56,1,56,11],[57,1,57,11],[58,1,58,4]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"OTHER INFORMATION"]
[]
[]
[]
[]
[null,"BRANCHES PER COUNTRY (#)","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Group (continued operations)",428,424,419,405,403,403,402,394,391,386]
[null,"Greece",412,408,403,389,387,387,386,378,375,371]
[null,"Abroad",16,16,16,16,16,16,16,16,16,15]
[]
[null,"Discontinued operations",0,0,0,0,0,0,0,0,0,0]
[]
[]
[null,"EMPLOYEES PER COUNTRY (#)","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Group",10354.700000000001,10262.700000000001,9417.7659999999996,8676.1509999999998,8802.0709999999999,8898.2250000000004,8572.158179,8087.1549999999997,7917.56,7906.4581790000002]
[null,"Group (continued operations)",9251.7000000000007,9205.7000000000007,9057.7659999999996,8604.1509999999998,8742.0709999999999,8830.2250000000004,8537.158179,8053.1549999999997,7883.56,7872.4581790000002]
[null,"Greece",8879.6,8838.6,8720.81,8270.8050000000003,8237.4750000000004,8234.375,8166.375,7672.375,7501.4800000000005,7489.4750000000004]
[null,"Piraeus Bank Greece",8546.6,8506.6,8391.6,7933.6,7842.1,7822.1,7802.1,7379.1,7204.6,7181.6]
[null,"Affiliate companies in Greece",333,332,329.21,337.20499999999998,395.375,412.27499999999998,364.27499999999998,293.27499999999998,296.88,307.875]
[null,"Abroad ",372.09999999999997,367.09999999999997,336.95600000000002,333.34599999999995,504.59599999999995,595.85,370.7831789999999,380.77999999999992,382.07999999999993,382.98317899999989]
[null,"Discontinued & held for sale operations",161,128,198,54,43,52,35,34,34,34]
[null,"Other Discontinued (Imithea SA until 30.06.22)",942,929,162,18,17,16,0,0,0,0]
[]
[null,{"$f":"+B25","v":"Discontinued & held for sale operations"},{"$f":"+C25+C26","v":1103},1057,{"$f":"+E25+E26","v":360},{"$f":"+F25+F26","v":72},{"$f":"+G25+G26","v":60},68,35,34,34,34]
[]
[]
[null,"NUMBER OF SHARES","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Piraeus Bank's shares (end of the period)*",1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223]
[null,"PB's shares minus treasury stock (average of period)**",1249734974,1249851815,1249714515.635139,1249647205.3540332,1250020909.8142855,1250054238.8295112,1249777043.4871008,1248386765.5779128,1245490625.968852,1245564731.0000029]
[null,"Adjusted PB's shares minus treasury stock (avg of period)***",{"$f":"1249734974","v":1249734974},1249851815,1249714515.635139,1249647205.3540332,1250020909.8142855,1250054238.8295112,1249777043.4871008,1248386765.5779128,1245490625.968852,1245564731.0000029]
[]
[null,"* Outstanding number of shares"]
[null,"** Weighted average number of shares in issue for the basic EPS calculation"]
[null,"*** Weighted average number of shares in issue for the diluted EPS calculation"]
[]
[null,"SHARE & STOCK MARKET DATA","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Market capitalization (€mn)",1769.269620545,1171.8441613955999,1296.6380999999999,1798.028066674,2498.2337115539999,3758.6038723379997,3513.5318966300001,4001.1751136000003,4846.4233563479993,4258.750761538]
[null,"Tangible book value per share (€)",4.241886625334228,4.2486670333967966,4.3396259116430791,4.5113018769526718,4.6587113712272998,4.7347594299502846,4.9353381042682685,5.0791214638229523,5.2697494614348193,5.4241169116122938]
[null,"Price/tangible book ratio",{"$f":"(C41/(C32/1000000))/C42","v":0.33357798663195271},0.22058683173642613,0.23896203294947441,0.31875499339701713,0.42887396122882004,0.63487914105734466,0.56936322104655912,{"$f":"(J41/(J32/1000000))/J42","v":0.63003021738949017},{"$f":"(K41/(K32/1000000))/K42","v":0.7355188379192249},{"$f":"(L41/(L32/1000000))/L42","v":0.62793631765351865}]
[null,"EPS reported (€)",0.40639101109898507,6.345095947864586E-2,8.1992712312165275E-2,0.12511284454870905,0.13326964825596682,8.522136380409577E-2,0.21134111254610205,0.1584470516786731,0.17595390854227463,0.25343114740300582]
[null,"Core EPS  (€)",5.9050299601463692E-2,9.5628983950101443E-2,6.6800803238905748E-2,0.14008132280511643,0.1457931691160462,0.15371941316275206,0.23269983461490656,0.21718019714916981,0.23510538372037917,0.24049190127003195]
[null,"EPS normalized (€)",0.11689570587056264,7.5660450273975194E-2,7.1084344826911741E-2,0.15573112523119936,0.15241042510916819,0.17992931326023717,0.21259374135081605,0.25054719464603237,0.21288311214376732,0.25586738428523254]
[null,"Price/earnings normalized (%)",2.7768484089536405,2.7194424516414037,3.1778309645401914,2.1626916664236759,3.0661601612639533,3.946410124282266,3.1489440553415982,3.0646161574259887,4.3378989923250026,3.1967497083661662]
[]
[null,"* For simplification, all EPS figures are calculated with the current number of shares"]
[]
[null,"PIRAEUS BANK CREDIT RATINGS\n(outlook)","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2023-09-30","2023-12-31","2024-03-31","2024-06-30"]
[null,"Moody's1","B2 (Positive)","B2 (Positive)","B2 (Positive)","Ba3 (Stable)","Ba3 (Stable)","Ba3 (Stable)","Ba1 (Positive)","Ba1 (Positive)","Ba1 (Positive)","Ba1 (Positive)2"]
[null,"S&P Global","B (Stable)","B (Positive)","B (Positive)","B (Positive)","B (Positive)","B+ (Positive)","B+ (Positive)","BB- (Positive)","BB- (Positive)","BB- (Positive)3"]
[null,"Fitch","B- (Positive)","B- (Positive)","B- (Positive)","B- (Positive)","B (Positive)","B (Positive)","BB- (Stable)","BB- (Positive)","BB- (Positive)","BB- (Positive)"]
[null,"DBRS","B (Stable)","B (Stable)","B (Stable)","B high (Stable)","B high (Stable)","B high (Stable)","B high (Stable)","BB (Stable)","BB (Stable)","BB (Stable)"]
[]
[null,"1. Moody’s Rating refers to Long Term Deposit Rating\n"]
[null,"2. As at 8 July 2024 Moody's upgraded Piraeus Bank rating to Baa3 (Positive)"]
[null,"3. As at 4 July 2024 S&P Global upgraded Piraeus Bank rating to BB (Positive)"]