FY.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 |
| €0.42 |
Normalized EPS |
| 10% |
Normalized return on average TBV |
| 7% |
NPE ratio, milestone achieved |
| 16.4% |
Total capital ratio |
| €2.7bn |
Net performing loans growth, +10% yoy |
| €577mn |
Normalized operating profit |
| €1,223mn |
Net interest income, excluding income from NPEs, +23% yoy |
| 479€mn |
Net fee income (recurring), +22% yoy |
| €828mn |
Operating expenses (recurring), -5% yoy |
| 45% |
Cost-to-core income ratio, down from 48% in 2021 |
| 0.82% |
Organic cost of risk, compared to 1.17% in FY.21 |
| -€2.3bn |
NPE reduction in FY.22 |
| 201% |
Liquidity coverage ratio |
| 62% |
Loan-to-deposit ratio |
