9M.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 |
€0.28 |
Normalized EPS |
9% |
NPE ratio, milestone achieved |
9% |
Normalized return on TBV |
16.8% |
Total capital ratio |
€2.3bn |
Net performing loans growth, already beating annual target |
€386mn |
Normalized operating profit |
€816mn |
Net interest income, excluding income from NPEs, +11% yoy |
366€mn |
Net fee income (incl. Rental Income) +18% yoy |
€623mn |
Operating expenses (recurring) -4% yoy |
47% |
Cost-to-core income ratio, broadly stable, despite the loss of NPE accruals |
0.5% |
Cost of risk underlying, compared to 0.9% in 9M.21 |
-€1.6bn |
NPE reduction in 9M.22 |
192% |
Liquidity coverage ratio |
63% |
Loan-to-deposit ratio |