9M.2021 Financial Performance at a Glance

#1 Bank in Greece in terms of market share in loans, deposits, footprint
5.5mn Customers in Greece
15.9% Total capital ratio proforma for Sunrise 2 & Thalis
199% Liquidity coverage ratio
64% Loan-to-deposit ratio
€1,091mn Net interest income -1% yoy
€279mn Net fee income +21% yoy
€672mn Operating expenses (recurring) -2% yoy
45% Cost-to-income ratio, down from 48% in 9M.20
€698mn Core Pre Provision Income (recurring) +7% yoy
€489mn Pre-tax profit, recurring
€4.6bn New loan disbursements
-€16.5bn NPE reduction in 9M.21
16% NPE ratio