:

2012


. 21
102 50
-
. +30 210 320 5103
Fax
+30 210 320 5419
: www.bankofgreece.gr

165(8) . 4099/2012 ( 250A).

2012


50 . 1 ,

1.
:

(PSI).

,

.

,
,

, ,


. ,

.

,


.
, :

,
2012, 50 .

. :

, (emergency liquidity assistance ELA),

, 2012.

(Financial Envelope),

2012-2014,

1
2012

() 50 . .
. 3864/2012,
19 2012 (
94). ,
, .


2012

 2012,
,
.
,
2012, .

,
(
) 2 .

, Eurobank,
Alpha Bank ,

.
, 2012 (),
2013. , 2013.

2.

2012
.
3 , -

2012-2014.


4 , 2012-2014 (.. ,
, ,
):

,
(Core Tier 1 ratio CT1 ratio)
9% 2012 10% 2013
2014 5 .

,
,
7%
2012-2014.

2011,
6 ,
, :

2012,
( ) .
:
, ,
, ( ),
.
3

2012, 17 .

, .
BlackRock Solutions Diagnostic Assessment of Greek
Banks.
5
2012
9% 2012-2014.

,
.
6
2012
.
, ,
PSI.


2012

 I.1 ( 2011 2014, )

(. , 2012)

2011, ()

,
BlackRock .

.

PSI, .

(Credit Loss Projections - CLPs)

: ()
,
BlackRock Solutions, 7 , ()
,

(EBA) -

2011.

2012-2014,



. ,

.

,


2012

 I.1 ( 2011
2014, )
(. , 2012)

PSI
2 ( 2011)
(1)
(2)

PSI
(
2011)
(3)

(8)=(7)4

[(1)+(2)+
3
5

( 2011) ( 2014) (3)+(4)+

(7) (5)+(6)]
(4)
(5)
(6)

7.287

-11.735

1.646

-8.366

5.390

4.681

8.657

9.756

Eurobank

3.515

-5.781

830

-8.226

3.514

2.904

2.595

5.839

Alpha

4.526

-4.786

673

-8.493

3.115

2.428

2.033

4.571

2.615

-5.911

1.005

-6.281

2.565

1.080

2.408

7.335

1.462

-590

71

-6.351

3.969

114

1.151

2.475

378

-4.329

836

-3.383

2.344

468

1.234

4.920

. /

557

-3.444

566

-1.482

1.284

-315

903

3.737

Millennium

473

-137

-638

213

-79

230

399

374

-292

70

-1.552

1.309

-40

150

281

366

-142

53

-714

274

15

248

396

Probank

281

-295

59

-462

168

147

180

282

57

-216

48

-482

368

34

115

305

145

-49

-285

167

-29

116

168

82

-26

-118

48

-26

42

78

22.119

-37.733

5.861

-46.834

24.727

11.381

20.062

40.542

17.944

-28.214

4.154

-31.367

14.583

11.093

15.693

27.501

Proton
FBB

: .
1
ABB, Credicom IBG .
2
2011 (PSI).
3
(CLPs) 2011- 2014
, .
: )
BlackRock, ) )
2012-2014.
4
( 2011)
(4).
5
2012-2014,
,
.
6
2012.
7
, Eurobank, Alpha Bank .

2014,
(Risk-Weighted Assets RWAs).
,

,
.
,


2012

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2014 ()
.
.
, .

,
top-down.
,
2011
,

,
.

2012 40,5 . ,
27,5 . (. .1 .1).
2012,


2012.
.

3.

2012,
, .
2012-2014.

, 40,5 . ,

(. .2).

:

(1,4 . ) 8

: () (
)

(
, Proton Bank
T-Bank)
(, ), ()
, ,

8

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,
.


2012

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(. , 2012)

Crdit Agricole
Socit Gnrale .

(3,1 . )

,

, .
(capital buffer - 5
. ),
.

(buy-back) .

, ,

.
,
,
50 .

.

4.

2012


2012


2012.

convertible bonds - CoCos) 2013.

, .

.

2012,
() 25 .

(EFSF).
2012, 18
.
,
,

8%.
2012, 38
.


2013.

(bridge recapitalisation) .



2013.
2012.

(contingent

2013,
.

38 9
2012,
,
10%
.
,
2012,

2013.
,
2013. ,
2013,

.

5.

,
,

2012

 .



,

.
.

2012

10