9M.2020 Financial Performance at a Glance

#1 Bank in Greece in terms of market share in loans, deposits, footprint
5.5mn Customers in Greece, 2.6mn e-banking users
16.1% Total capital ratio (reported))
14.1% CET-1 ratio (reported)
157% Liquidity coverage ratio
81% Loan-to-deposit ratio
€1,107mn Net interest income +3% yoy
€231mn Net fee income, +2% yoy
€1,339mn Core banking income, +3% yoy
€686mn Operating expenses, -8% yoy
€650mn Operating expenses (like-for-like), -9% yoy
€767mn Group PPI (like-for-like), +18% yoy
€229mn Recurring pre-tax profit, excluding COVID-19 impact
€5.4bn New loan disbursements
-€3.0bn NPE reduction yoy