H1.2022 Financial Performance at a Glance
| #1 |
|
Bank in Greece in terms of market share in performing loans, deposits, footprint |
| 5.7mn |
Customers in Greece |
| €0.21 |
Normalized EPS, of which € 0.16 from core banking |
| 9% |
NPE ratio, milestone achieved |
| 10% |
Normalized return on TBV, sustained enhanced returns for the rest of the year |
| 16.7% |
Total capital ratio |
| €1.5bn |
Net performing loans growth, already beating annual target |
| €226mn |
Core operating profit |
| €512mn |
Net interest income, excluding income from NPEs, +3% yoy |
| 237€mn |
Net fee income (incl. Rental Income) +22% yoy |
| €408mn |
Operating expenses (recurring) -4% yoy |
| 49% |
Cost-to-income ratio, broadly stable, despite the loss of NPE accruals |
| 0.5% |
Cost of risk underlying, compared to 1.0% in H1.21 |
| -€1.5bn |
NPE reduction in H1.22 |
| 205% |
Liquidity coverage ratio |
| 63% |
Loan-to-deposit ratio |
