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