:

&
2014

1. NPLs
2. NPLs
3.

2014 Grant Thornton Greece. All rights reserved. | 2

1. NPLs
2. NPLs
3.

2014 Grant Thornton Greece. All rights reserved. | 3

"
"

| 31/12/2013

(+90 ) 35%

10%

35%
55%

NPLs

234

10%

&

: Grant Thornton.
( ).
2014 Grant Thornton Greece. All rights reserved. | 4

25%

11%

30%

8%

:
2014 Grant Thornton Greece. All rights reserved. | 5

15%

35%

 NPLs

87

2013

NPL ' ( )

% NPLs vs ( )

100

40%

90

220

30%

20

70

200

25%

60

16

50
40

82

16

30

87

10

20
10

35%

80

240

20%

180

15%

160

10%
140

5%

21

0%

31/12/2009 2010

2011

2012

2013 31/12/20139 2014 30/9/2014

: Grant Thornton | 90

2014 Grant Thornton Greece. All rights reserved. | 6

120

2009

2010

2011
2012
%NPLs

2013
2014
2015
[ ]

2016

: %NPLs Grant Thornton | % & 2013

 NPLs

NPLs

16%

29%

82
25%

MME

17%
13%

2014 Grant Thornton Greece. All rights reserved. | 7

54%

46% (38 )

 NPLs
NPL

|
62%

53%

49%
35%
28%

25%
48%

48%
MME

62%

:
62%

48%.

49%
2014 Grant Thornton Greece. All rights reserved. | 8

72%

50%
21%

 NPLs

15%

21%

5%
2%
4%

/
& real estate
&

5%

23%
25%

2014 Grant Thornton Greece. All rights reserved. | 9

 NPLs

AQR |
60%

49%

50%

(
simplified definition)

40%

30%
20%

10%
0%

NPL

NPE

AQR

AQR

: Grant Thornton
NPE: Non performing exposure | AQR: Asset quality review | EBA: European Banking Authority
2014 Grant Thornton Greece. All rights reserved. | 10

1. NPLs

2. NPLs
3.

2014 Grant Thornton Greece. All rights reserved. | 11

"
;"

 NPLs

3%
3%

8%

2%

7%

37%

40%

2014 Grant Thornton Greece. All rights reserved. | 12

 NPLs

2014 Grant Thornton Greece. All rights reserved. | 13

 NPLs

GDP growth - y-o-y and q-o-q

10

5
37 .

%
8

0
-2
-5

GDP (q-o-q, right axis)

2014 Grant Thornton Greece. All rights reserved. | 14

GDP growth (left axis)

-10

2014:Q4

-15
2014:Q1

2013:Q2

2012:Q3

2011:Q4

2010:Q2

2009:Q3

2008:Q4

2008:Q1

2007:Q2

2006:Q3

2005:Q4

2005:Q1

2004:Q2

2003:Q3

2002:Q4

2002:Q1

2001:Q2

-12

CET1%
10%
(post AQR)
2011:Q1

-7

 NPLs

2014 Grant Thornton Greece. All rights reserved. | 15

2014:

8,5 .

 NPLs

&
/ /
( )

2014 Grant Thornton Greece. All rights reserved. | 16

 NPLs

N. 4307

2014 Grant Thornton Greece. All rights reserved. | 17

 NPLs

-
-
- /

-
-
-

2014 Grant Thornton Greece. All rights reserved. | 18

 NPLs

2014 Grant Thornton Greece. All rights reserved. | 19

" "

 NPLs
;

2014 Grant Thornton Greece. All rights reserved. | 20

 NPLs

2014 Grant Thornton Greece. All rights reserved. | 21

""

.

1. NPLs
2. NPLs

3.

2014 Grant Thornton Greece. All rights reserved. | 22

"
"

:
stress test

( )

15

3,31

1,15

0,86

0,85

0,34

0,18

0,00

6%

87

0,00

4%

130

6,69

2%

CET1%
14%
12%
10%
8%

0%

2014 Grant Thornton Greece. All rights reserved. | 23

management,

2014 Grant Thornton Greece. All rights reserved. | 24

""

2014 Grant Thornton Greece. All rights reserved. | 25