FY.2023 Financial Performance at a Glance
| #1 |
|
in Greece in performing loans (25%), deposits (28%), footprint (378 branches) |
| 6.2mn |
Customers in Greece |
| €0.80 |
normalized EPS |
| 16.6% |
normalized return on average TBV |
| 3.5% |
NPE ratio, with 62% NPE coverage |
| 18.2% |
total capital ratio |
| +€1.6bn |
net credit expansion in FY.23 |
| €30.1bn |
performing loan portfolio, +5% yoy |
| €1,047mn |
normalized operating profit |
| €2,003mn |
net interest income, +48% yoy |
| €547mn |
net fee income, +14% yoy |
| €793mn |
operating expenses (recurring), -4% yoy |
| 31% |
cost-to-core income ratio, down from 45% in FY.22 |
| 0.8% |
organic cost of risk |
| €59.6bn |
deposits, +2% yoy |
| 241% |
liquidity coverage ratio |
| 61% |
loan-to-deposit ratio |
