FY.2021 Financial Performance at a Glance

#1 Bank in Greece in terms of market share in loans, deposits, footprint
5.7mn Customers in Greece
15.9% Total capital ratio proforma for shipping NPE portfolio sale
204% Liquidity coverage ratio
63% Loan-to-deposit ratio
€1,410mn Net interest income -5% yoy
394€mn Net fee income +25% yoy
€902mn Operating expenses (recurring) -4% yoy
46% Cost-to-income ratio, down from 50% in FY.20
€902mn Core Pre Provision Income (recurring) +4% yoy
€665mn Pre-tax profit, recurring
€6.5bn New loan disbursements
-€17.6bn NPE reduction in FY.21
13% NPE ratio