.

:
) . , , ( : 17969), , ( 83)

) . , - - ..,
, ( 57).

K - - -
.

, 9 2012
1.- , 27 1929,
,
4332/1929.

2.- 1991, 1914/1990, 26 1 [ 178/17-12-1990],

.. ... 24402/06//91/39.

3.- 146 . [ 428.466.618]

( 2960/08-07-1991).

4.- 2000,
31 2011 77,3%.

5.- .. , 31-032011 483 , 927 s.

6.- ..
. ,

:

ALFA ALFA ENERGY 40,65% - FBBank 49,00% - OTE 0,87% - SEA FARM IONIAN A.E. 6,63% - 17,50% -
29,81% - 4,79%
. ... 43,73% - . 10,00%- R 99,11% - 84,08% -
62,28% - - 91,42% - 94,68% - LEASING
99,91% - - 92,68% - - 99,68% - xcelixi .. 99,20% - 19,51% - 4,87% -
67,77% - .. 2,67% - (...) .. 99,82% - .
.. 33% A.D. Fabrika Secera SAJKASKA 76,01% .D. Fabrika Secera CRVENKA 66,54% 4,09% - .. 10,01%- 26,85% - .. 25,66% - .../FOLLI
FOLLIE GROUP 7,60% - .. 44,18% - 13,21% .. 2,32%.

7.- , .. ATEbank
Romania S.A. 74,13% , 31-03-2011 30
44 s INSURANCE ROMANIA 84,16% ,
100% ABG FINANCE INTERNATIONAL PLC,
Banka, 20,83% .

8.- 31.12.2010, 3.102 .

31 2011 703,5 .

9.- , , 2008-2010, 2011,

( 2 ) , :

1. .. 03-042008 .. 223.600, ( 0,09%)

2. ... 01-072009 11.750.000

3. ..- .. 19-07-2010 9,88%

92.850 ..

4. .. 12-01-2001 7.714.785

5. .. 27-01-2011 18.651.012 1,0

10.- , 44,
:

) Alfa Alfa Energy .... (2.400.600 0,6),

) .. (260.420 0,3),
) ... (3.706.345 0,3),
) .. (2.083.000 0,6),
) .. (745.454 0,32)
) ALTEC Integration .. (8.110 100).

10.- , 2008-2010, 01.01-31.03.2011,

1,2 ,
, 156 . 1 85%
.

11.- .., 31 2011, 8.454 .

12.- 01 2009, . 3723/2008,

807 , 28
2011, .

13.- 30 2009, . 3723/2008,

600 , 18
2013, .

14.- 18 2010, ABG Finance International ( )

EMTN (Euro Medium Term Note Programme), (Senior Bonds),
, 1,4 ., , ,
Euribor 3 1,50%. 18 2010.

15.- : 2010 202

, 94,66%
2011 11,4 , 5,34%
.

16.- H ,
. 3723/2008, 29.04.2011
.

17.- 29 2011, ,
1.326.919.999,69 ) 905.444.444
0,72 , ) 937.500.000
0,72 ,
. 3723/2008 .. ( 29.04.2011) :

77,31%
4,46%
18,23%
100,00%

18.- 31 2011 1.982,7

,

 ) , ) 16-05-2011
1 ., 2
. 3723/2008, ) 30 .,
.

19.- 4/27-07-2012
.., ( 2209/27-07-2012),
.. . , :
, , , ,
, , 2009,
( ...) , ( ), ,
.

20.- , . , ,
, , .., ,
, .. .
21.- :
. ( ..) 2004 2009,

:

1. , 08 2009, ( ..) , , 2004, ,

, () -2,9%.
, ,
.
, 1,250 . ,
.. (
).

, 2008, ..
, .
, , ,
.
2. 2004 10,5%. ,
2004 2009, ( ) 3,75%,
,
. , , ,
,
.
3. 3259/2004 , ,
.. 54.000 .
.. 1,8 , 1,1
. , 2 , ,
,
.
4. , , (2004-2009) ..
, .
. , , 3.000
( )
.

..

, .
5. ..
.

6. .. , ,
, ,
..,
.
7. 2010, , , ..
Corporate Superbrands, ) , )
, ) .
2009.
. ( ..) 5 (2008 -2012

2007 241,4 .
2007 ,
. ,
:
31.12.2008: (..) 652 .

204 , ,
, 2004 3
.
.. 92 , 27,8 .
, ,
.., .

1/1 .
.. 6 , ,
( ..).

90 (NPLs) 5,6%,
76%, .

() 8,58%, 8%. 31.12.2009:

1,327 . ( 675 .)
.. .

2009 .., 08-12-2009 ,

. ..
.
, 2009 825 !!!!!.
.. 212,5 ( 275 ),
401,5 !!!!!.

.. 7,6%,
90 (NPLs) 71,1%,
.
() 9,2%, 8%. 31.12.2010:
.. ( 1,327 .).

604 , , 393
42,7%, 2009.
, 438
.

() 7,4%.
90 (NPLs) 11,8%,
, 67,3% , .

2010 .. ,
.
, : .. !!!!.

- ., , , ,
., ( ;)
...

..,
, ..
.

.. ,
, ,
.

675 ,
.. , ,
.

, , 2011,
.., . , , ., , .. 675 ,
, .
, ..
, .

.. 675
, 1,259 .
. ,
..
...

, , 2010.
.. .. .. 770 ,
.. 370 .
, .

..
, (
).

,
.

30.06.2011: 2011 .

217 ,
23% , 158
907 , (PSI) 836,4 .

90 (NPLs) 14,5% 66%,

() 7,3%.

(Banking Institutions stress

tests) A.E., () 6% 5%.

BlackRock
Solutions, ( BlackRock Solutions
). !!!!.

.. .
2008, 2009 2010
.. .. ....: 18701 .. ....: 17151
KPMG .., 3, 153 42 , .. ....: 114.

 , , (
). BlackRock Solutions
,
.
. .. .
.. 2009 , ,
. 2009 ,
.
.. , 2008 388 2009 491 .,
2010 600 . 2011, (PSI), 7,9 .

2009 2010 ..
.., .. 30%
..

, 90 (NPLs) ..
70%, .. 50%.
.. .
() .. 2008, 2009, 2010 2011
9,9- 9,8- 9,3% 2011 .

.. 2010 2011.
.

2010 ..
100.881.756 369.999.999 . ,
.. !!!!
2011 .., 807.054.045.
, ,
712.997.968, 31-10-2010 :

100.881.756 + 369.999.999 = 470.881.755

470.881.755 + 807.054.045 = 1.277.935.800 ..

712.997.968, 564.937.832 .

.
2011 .. :

- 14%
- 3%
- 23%
- ( 2010)
- 5,9 .
- : 7.477 .
- () : 896
- : 6.581 .
, (PSI) 5.9 ,
2011 6.581 , 900 ()
. ..
.

.. ..
. .
, ,

 03-08-2012.
, . , ,
, ' ,
' ,
.

,
, .
, . , , ,
,
.
. :

1. .. .
, ,
Emergency Liquidity Assistance (ELA) (
) ( 7 .)

2. . , 2009, , .

3. 2009 ...

4. 2010 ... ., 370 ,

, . , 2012 ...
.. 27-07-2012


.. 95 , . 4021/2011.
2010 370 ..
( .. ,
, , ...). , 95 2012
.. !!!!!

5. , ..

.. , 2.500 .
, ( ), :

. ( )
.. 3,8 4 . ..,
.., 7,2 . , ,
, 1.400.000 . , 10%
, 2.000 .. ,
.

. .. ,
12 .

. , , .., 2010
, . ,
. , .
,
s , , 95
( ) 7,2 , ., ,
( s)
. 400
, BlackRock
..

.. 30%,
5%. 37%
5%, 1,4%, . ,

 26,7%, 2%.
1,3% .. 2%.
. , , , :
1. .., ,
, , ;

..,
.. ELA,
, , ;
30 .

2. () ..,
;

3. , , ,
;

4. 2010 .., , 370

, , ,
95 ;

5. 7,2 , ,
, .. 3,8 4 .;

6. ,
(.. Black Rock),
; ;

7. ,
,
; 4021/2011 ;
;
8. , ;
( ..),
!!!

..
, , . .!!!!
,
!!!
22.-
.. .., .

23.- ,
,
, .

24.- ,
, , , ,
.

25.- ,
, .

26.- , ,
,
, .
, , :


, -
- ,

.

44,00

, ,
.
27.- :

1. ,
, , ( . 85).

2. , ( ),
, . 20 -..: 14123.
28.- :

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29.- :

. . , , ( . 83, . 210 8235455, 210 8239965, . 6944 597414)

. , , ( 21, . 210 6980587, 6948 176768).