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 |
