9M.2023 Financial Performance at a Glance
| #1 |
|
in Greece in performing loans (26%), deposits (27%),
footprint (386 branches) |
| 6.2mn |
Customers in Greece |
| €0.55 |
normalized EPS |
| 15,4% |
normalized return on average TBV |
| 5.5% |
NPE ratio, with 57% NPE coverage |
| 17.6% |
total capital ratio |
| +€0.8bn |
net credit expansion in 9M.23 |
| €29.4bn |
performing loan portfolio, +4% yoy |
| €721mn |
normalized operating profit |
| €1,466mn |
net interest income, +59% yoy |
| €403mn |
net fee income (recurring), +14% yoy |
| €596mn |
operating expenses (recurring), -3% yoy |
| 32% |
cost-to-core income ratio, down from 48% in 9M.22 |
| 0.9% |
organic cost of risk |
| €58.7bn |
deposits, +3% yoy |
| 242% |
liquidity coverage ratio |
| 62% |
loan-to-deposit ratio |
