FY.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
15.8% Total capital ratio
13.8% CET-1 ratio
175% Liquidity coverage ratio
77% Loan-to-deposit ratio
€1,486mn Net interest income +4% yoy
€317mn Net fee income, stable yoy
€1,803mn Core banking income, +3% yoy
€891mn Operating expenses (like-for-like), -7% yoy
€1,001mn Group PPI (like-for-like), +16% yoy
€312mn Pre-tax result, adjusted for restructuring costs and one-off impairments
€6.3bn New loan disbursements
-€2.0bn Organic NPE reduction yoy or -8% amidst COVID-19 crisis