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{"sheet":"Cover ","index":0,"n_rows":43,"n_cols":5,"rows_kept":43,"cut":false,"hidden":false,"merged":[[55,1,55,5],[46,1,46,5],[47,1,50,5],[14,1,14,5]]}
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[null,"H1 2023 DATA OF PIRAEUS FINANCIAL HOLDINGS"]
[]
[]
[]
[]
[null,null,null,"Financial Highlights",1]
[null,null,null,"EPS Calculations",2]
[null,null,null,"Consolidated Balance Sheet",3]
[null,null,null,"Analysis of Selected Balance Sheet Items",4]
[null,null,null,"Loans per Customer Type"]
[null,null,null,"Securities"]
[null,null,null,"Deposits per Product Type"]
[null,null,null,"Customer Funds"]
[null,null,null,"Consolidated P&L",5]
[null,null,null,"Net Interest Income",6]
[null,null,null,"Net Fee Income",7]
[null,null,null,"G&A Costs",8]
[null,null,null,"P&L Segment View",9]
[null,null,null,"Performing Loans",10]
[null,null,null,"Loan Portfolio Quality",11]
[null,null,null,"IFRS9 Stages",12]
[null,null,null,"NPE Flow Decomposition",13]
[null,null,null,"Capital Adequacy",14]
[null,null,null,"Other Information",15]
[null,null,null,"Branches"]
[null,null,null,"Employees "]
[null,null,null,"# Shares"]
[null,null,null,"Share & Stock Market Data"]
[null,null,null,"Ratings"]

{"sheet":"Financial Highlights","index":1,"n_rows":62,"n_cols":14,"rows_kept":62,"cut":false,"hidden":false,"merged":[[57,1,57,11],[4,1,4,13]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"FINANCIAL HIGHLIGHTS"]
[]
[]
[null,"(million €)"]
[null,"PROFIT/(LOSS)","Q1 2021","Q2 2021","Q3 2021","Q4 2021","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","H1 2022","H1 2023"]
[null,"Net interest income",365.52100000000002,406.72900000000004,319.03500000000003,318.28100000000001,285.89500000000004,305.56799999999998,330.59200000000004,430.64700000000005,446.86599999999999,487.8,591.46299999999997,934.66599999999994]
[null,"Net fee income",82.457669229967991,109.683226080304,112.81878437947027,126.69409056800001,112.742032049264,120.972982314544,125.31730564699201,125.82767998919998,121.64700000000001,141.40600000000001,233.715014363808,263.053]
[null,"       of which acquiring fees",7.4903107700000007,9.1591755400000032,11.095469029999999,10.953438179999981,7.0227117500000009,-0.59334710000000002,-0.10188483999999999,-0.67009458999999993,0,0,6.429364650000001,0]
[null,"Trading & income",411.39836138000004,89.080395669999987,-0.38139517000000023,181.63884517999998,583.02800000000002,84.309000000000012,57.356000000000002,19.567999999999998,8.2740000000000009,32.771999999999998,667.3370000000001,41.045999999999999]
[null,"       of which one off items",387.2,91.383966000000001,0,184.5,510.7,109.277,52,0,0,0,619.97699999999998,0]
[null,"Net Revenues",{"$f":"C10+C11+C13","v":859.37703060996796},{"$f":"D10+D11+D13","v":605.49262175030401},431.47238920947029,626.61393574800002,{"$f":"G10+G11+G13","v":981.66503204926403},510.84998231454398,513.26530564699203,{"$f":"J10+J11+J13","v":576.0426799892},{"$f":"K10+K11+K13","v":576.78700000000003},{"$f":"L10+L11+L13","v":661.97800000000007},{"$f":"M10+M11+M13","v":1492.5150143638079},{"$f":"N10+N11+N13","v":1238.7650000000001}]
[null,"Staff costs",-96.846999999999994,-136.47999999999999,-95.391999999999996,-75.997,-91.200999999999993,-101.155,-121.26600000000001,-131.95599999999999,-96.718999999999994,-96.57,-192.35599999999999,-193.28899999999999]
[null,"General Expenses",-87.366761700696301,-88.471742147641876,-97.352191055886195,-103.95131694971666,-81.31903204926401,-87.151982314544,-85.185305646991992,-83.882679989199985,-83.156999999999996,-78.429000000000002,-168.47101436380802,-161.58600000000001]
[null,"Depreciation",-27.59,-27.920999999999999,-27.63,-27.091000000000001,-29.591999999999999,-24.890999999999998,-25.213000000000001,-25.965,-26.146999999999998,-26.212,-54.482999999999997,-52.358999999999995]
[null,"Total OpEx",{"$f":"SUM(C16:C18)","v":-211.8037617006963},{"$f":"SUM(D16:D18)","v":-252.87274214764187},-220.37419105588617,-207.03931694971666,-202.11203204926397,{"$f":"SUM(H16:H18)","v":-213.19798231454399},{"$f":"SUM(I16:I18)","v":-231.66430564699201},{"$f":"SUM(J16:J18)","v":-241.80367998919999},{"$f":"SUM(K16:K18)","v":-206.02299999999997},-201.21099999999998,-415.31001436380802,-407.23399999999998]
[null,"       of which one off items",0,-40,0,15.199000000000002,-4.1472708799999998,-6.6,-19.877649999999999,-30.314,-3.1720000000000002,-2.1745070000000002,-10.747270879999999,-5.3465070000000008]
[null,"Pre Provision Income reported",{"$f":"C15+C19","v":647.57326890927163},{"$f":"D15+D19","v":352.61987960266214},{"$f":"E15+E19","v":211.09819815358412},419.57461879828338,779.55300000000011,{"$f":"H15+H19","v":297.65199999999999},{"$f":"I15+I19","v":281.601},334.23900000000003,370.76400000000007,460.76700000000005,1077.2049999999999,831.53100000000018]
[null,"Pre Provision Income normalized",{"$f":"C21-C14-C20-C12","v":252.88295813927164},292.07673806266217,200.00272912358412,208.92218061828339,{"$f":"G21-G14-G20-G12","v":265.97755913000015},195.56834709999998,249.58053483999998,365.22309459000007,{"$f":"K21-K14-K20-K12","v":373.93600000000009},{"$f":"L21-L14-L20-L12","v":462.94150700000006},{"$f":"M21-M14-M20-M12","v":461.5459062299999},{"$f":"N21-N14-N20-N12","v":836.87750700000015}]
[null,"Impairments for loans",-974.67952506570805,-2292.1150853035065,-818.18086084873926,-199.03071271069032,-229.72899999999998,-190.24100000000001,-91.522999999999996,-103.126,-95.394000000000005,-283.02799999999996,-419.97,-378.42199999999997]
[null,"       of which inorganic",-829.04670999999996,-2185,-734,-126,-151.6,-117.35,-18.381,-33.1,-20.760999999999999,-180.79911400999998,-268.95,-201.56011400999998]
[null,"Other impairments & associates' income",-30.466000000000001,-40.414999999999999,3.8780000000000001,29.007999999999999,-7.7380000000000013,-14.417000000000002,-18.779999999999998,-0.59500000000000597,-20.998000000000001,-43.989000000000004,-22.155000000000001,-64.987000000000009]
[null,"       of which one off items1",0,0,0,0,0,0,0,25.8,0,0,0,0]
[null,"Profit Before Tax reported",{"$f":"C21+C23+C25","v":-357.57225615643642},{"$f":"D21+D23+D25","v":-1979.9102057008442},{"$f":"E21+E23+E25","v":-603.20466269515509},249.55190608759307,{"$f":"G21+G23+G25","v":542.08600000000001},{"$f":"H21+H23+H25","v":92.993999999999971},{"$f":"I21+I23+I25","v":171.298},{"$f":"J21+J23+J25","v":230.51800000000003},{"$f":"K21+K23+K25","v":254.37200000000007},{"$f":"L21+L23+L25","v":133.75000000000009},{"$f":"M21+M23+M25","v":635.07999999999993},{"$f":"N21+N23+N25","v":388.12200000000018}]
[null,"Profit Before Tax normalized",{"$f":"C22+C23+C25-C24","v":76.784143073563541},{"$f":"D22+D23+D25-D24","v":144.54665275915568},119.6998682748449,164.89946790759308,180.11055913000015,{"$f":"H22+H23+H25-H24","v":108.26034709999996},{"$f":"I22+I23+I25-I24","v":157.65853483999999},{"$f":"J22+J23+J25-J24-J26","v":268.80209459000008},{"$f":"K22+K23+K25-K24-K26","v":278.30500000000012},{"$f":"L22+L23+L25-L24-L26","v":316.7236210100001},{"$f":"M22+M23+M25-M24-M26","v":288.37090622999983},{"$f":"N22+N23+N25-N24-N26","v":595.02862101000017}]
[null,"Tax",-46.384,-64.501000000000005,-32.261000000000003,-173.16,-22.04,-0.28899999999999998,-55.845999999999997,-61.52,-75.64,-14.627000000000001,-22.329000000000001,-90.266999999999996]
[null,"Tax normalized3",0,0,0,0,-46.828745373799997,-28.147690246,-40.991219058400013,-69.888544593399999,-75.64,-79.180905252499997,-74.9764356198,-154.82090525249998]
[null,"Minorities",8.7999999999999995E-2,0.95099999999999996,-9.6000000000000002E-2,-1.512,-1.2170000000000001,0.24299999999999999,-0.19400000000000001,-0.56399999999999995,-1.0289999999999999,-0.56000000000000005,-0.97400000000000009,-1.589]
[null,"Net Profit core ",{"$f":"C27+C29-C24-C20-C13-C31-C12","v":6.1137816935634834},{"$f":"D27+D29-D24-D20-D13-D31-D12","v":81.398223089155792},87.916263444844944,{"$f":"F27+F29-F24-F20-F13-F31-F12","v":-3.8873772724068978},{"$f":"G27+G30-G24-G20-G13-G31-G12","v":62.170813756199891},{"$f":"H27+H30-H24-H20-H13-H31-H12","v":104.83765685399996},{"$f":"I27+I30-I24-I20-I13-I31-I12","v":111.50531578159998},{"$f":"J27+J30-J24-J20-J13-J31-J12-J26","v":179.90954999659999},{"$f":"K27+K30-K24-K20-K13-K31-K12-K26","v":195.42000000000007},{"$f":"L27+L30-L24-L20-L13-L31-L12-L26","v":205.33071575750009},{"$f":"M27+M30-M24-M20-M13-M31-M12-M26","v":167.00847061019985},{"$f":"N27+N30-N24-N20-N13-N31-N12-N26","v":400.75071575750019}]
[null,"Trading & other income normalized",24.198361380000051,-2.3035703299999568,-0.38139516999996204,-2.8611548199999675,72.328000000000031,-24.967999999999961,5.3560000000000514,19.567999999999984,8.2740000000000578,32.771999999999878,47.359999999999957,41.045999999999935]
[null,"Net Profit normalized",{"$f":"C33+C32","v":30.312143073563533},{"$f":"D33+D32","v":79.094652759155835},{"$f":"E33+E32","v":87.534868274844982},-6.7485320924068652,134.49881375619992,{"$f":"H33+H32","v":79.869656853999999},116.86131578160003,199.47754999659998,203.69400000000013,238.10271575749996,214.36847061019981,441.79671575750012]
[null,"Net Profit from continuing operations attributable to SHs",{"$f":"C27+C29-C31","v":-404.04425615643646},{"$f":"D27+D29-D31","v":-2045.3622057008442},-635.36966269515506,77.903906087593072,{"$f":"G27+G29-G31","v":521.26300000000003},{"$f":"H27+H29-H31","v":92.461999999999975},{"$f":"I27+I29-I31","v":115.646},{"$f":"J27+J29-J31","v":169.56200000000001},{"$f":"K27+K29-K31","v":179.76100000000008},{"$f":"L27+L29-L31","v":119.68300000000009},{"$f":"M27+M29-M31","v":613.72500000000002},{"$f":"N27+N29-N31","v":299.44400000000019}]
[]
[null,"BALANCE SHEET","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30","2022-06-30","2023-06-30"]
[null,"Assets adjusted (excl. discontinued operations, seasonal OPEKEPE)",72001.417999999991,74922.198999999993,75306.577999999994,78201.006999999998,79384.396000000008,81755.793999999994,82656.067999999985,74143.311432999995,74679.885999999999,76982.615999999995,81755.793999999994,76982.615999999995]
[null,"Gross loans2",47965.943584659901,36762.053602169864,35785.153741830043,38581.135904830051,37157.484811379974,37012.81045081999,37723.699318710009,38849.670368739884,36823.953307999996,36987.841641749998,37012.81045081999,36987.841641749998]
[null,"      of which NPEs2",22154.894448389994,9007.7873814000013,5985.5190524999989,4915.0369695099962,4721.7395479699999,3425.745327170001,3331.29172062,2624.3162290799996,2441.5529170199989,2048.5796317300005,3425.745327170001,2048.5796317300005]
[null,"Net loans (excl. seasonal OPEKEPE)2",37481.360999999997,33262.512999999999,33466.277999999998,35124.184999999998,35076.957999999999,35445.339,36093.035000000003,35900.877433000001,35464.218000000001,35823.851999999999,35445.339,35823.851999999999]
[null,"Tangible Equity",6320.5929999999962,5546.9250000000002,4845.0159999999996,4920.5320000000002,5303.9160000000002,5312.3940000000002,5426.1260000000002,5640.7839999999997,5825.1,5920.1880000000001,5312.3940000000002,5920.1880000000001]
[null,"Total Equity",6699.0059999999967,6537.1439999999993,5836.1669999999986,5802.7909999999993,6189.0199999999977,6212.8239999999987,6354.0249999999996,6580.6560000000009,6765.2150000000011,6892.6440000000002,6212.8239999999987,6892.6440000000002]
[]
[null,"RATIOS & METRICS","Q1.21","Q2.21","Q3.21","Q4.21","Q1.22","Q2.22","Q3.22","Q4.22","Q1 2023","Q2 2023","H1 2022","H1 2023"]
[null,"Core EPS (€) adjusted for AT1 coupon",{"$f":"C32/1250.367223","v":4.889588899247308E-3},{"$f":"(D32-(2.014))/1250.367223","v":6.3488726854731212E-2},{"$f":"(E32-(600*8.75%/4))/1250.367223","v":5.9815438272125071E-2},-1.3605904697013078E-2,3.9225127509760302E-2,7.3348577255531566E-2,7.8681137806505014E-2,{"$f":"(J32-(600*8.75%/4))/1250.367223","v":0.1333884533508761},{"$f":"(K32-(600*8.75%/4))/1250.367223","v":0.14579316911604623},0.15371941316275217,{"$f":"G46+H46","v":0.11257370476529187},{"$f":"K46+L46","v":0.2995125822787984}]
[null,"Normalized EPS (€) adjusted for AT1 coupon",{"$f":"C34/1250.367223","v":2.4242592508811736E-2},{"$f":"(D34-(2.014))/1250.367223","v":6.1646411823093543E-2},{"$f":"(E34-(600*8.75%/4))/1250.367223","v":5.951041174632981E-2},-1.5894156314114182E-2,9.7070533778859242E-2,{"$f":"(H34-(600*8.75%/4))/1250.367223","v":5.338004357940531E-2},{"$f":"(I34-(600*8.75%/4))/1250.367223","v":8.2964679394510993E-2},{"$f":"(J34-(600*8.75%/4))/1250.367223","v":0.14903825577695903},{"$f":"(K34-(600*8.75%/4))/1250.367223","v":0.15241042510916822},0.17992931326023728,{"$f":"G47+H47","v":0.15045057735826456},{"$f":"K47+L47","v":0.3323397383694055}]
[null,"Reported EPS (€) adjusted for AT1 coupon",{"$f":"(C35)/1250.367223","v":-0.32314047323394729},{"$f":"(D35-(2.014))/1250.367223","v":-1.6374199259547002},-0.51864336393849564,5.1807904826687123E-2,0.40639101109898501,{"$f":"(H35-(600*8.75%/4))/1250.367223","v":6.3450959478645874E-2},{"$f":"(I35-(600*8.75%/4))/1250.367223","v":8.1992712312165275E-2},{"$f":"(J35-(600*8.75%/4))/1250.367223","v":0.12511284454870905},{"$f":"(K35-(600*8.75%/4))/1250.367223","v":0.13326964825596688},8.5221363804095895E-2,{"$f":"G48+H48","v":0.46984197057763089},{"$f":"K48+L48","v":0.21849101206006277}]
[null,"RoaTBV normalized adjusted for AT1 coupon",{"$f":"(C34)*4/5524","v":2.1949415694108278E-2},{"$f":"((D34*4)-28.264)/AVERAGE(C42:D42)","v":4.8555158886065881E-2},{"$f":"(E34*4-28.264)/AVERAGE(D42:E42)","v":6.1947132513431313E-2},{"$f":"(F34*4-28.264)/AVERAGE(E42:F42)","v":-1.1316953922017989E-2},{"$f":"(G34-(600*8.75%/4))*4/AVERAGE(F42:G42)","v":9.4967523923990743E-2},{"$f":"(H34-(600*8.75%/4))*4/AVERAGE(G42:H42)","v":5.0295936613757503E-2},{"$f":"(I34-(600*8.75%/4))*4/AVERAGE(H42:I42)","v":7.7281648332619413E-2},{"$f":"(J34-(600*8.75%/4))*4/AVERAGE(I42:J42)","v":0.13470972475359425},{"$f":"(K34-(600*8.75%/4))*4/AVERAGE(J42:K42)","v":0.13296419185821182},{"$f":"(L34-(600*8.75%/4))*4/AVERAGE(K42:L42)","v":0.15323776871712297},{"$f":"(M34*2-52.5)/(AVERAGE(F42,H42))","v":7.3534576761407178E-2},{"$f":"(N34*2-52.5)/AVERAGE(J42,N42)","v":0.14377570182074662}]
[null,"RoaA normalized adjusted for AT1 coupon",{"$f":"(C34)*4/((C38+69948)/2)","v":1.7083348984812904E-3},{"$f":"(D34*4-28.264)/((D38+C38)/2)","v":3.9219645815910375E-3},{"$f":"(E34*4-28.264)/((E38+D38)/2)","v":4.2851373688461824E-3},{"$f":"(F34*4-28.264)/((F38+E38)/2)","v":-7.1994003904924254E-4},{"$f":"(G34-(600*8.75%/4))*4/((G38+F38)/2)","v":6.1616779953254895E-3},{"$f":"(H34-(600*8.75%/4))*4/((H38+G38)/2)","v":3.3136193697674053E-3},{"$f":"(I34-(600*8.75%/4))*4/((I38+H38)/2)","v":5.0476316985741598E-3},{"$f":"(J34-(600*8.75%/4))*4/((J38+I38)/2)","v":9.5078207921723557E-3},{"$f":"(K34-(600*8.75%/4))*4/((K38+J38)/2)","v":1.024404814771133E-2},{"$f":"(L34-(600*8.75%/4))*4/((L38+K38)/2)","v":1.1867282303307906E-2},{"$f":"(M34*2-52.5)/AVERAGE(F38,H38)","v":4.7042318784607309E-3},{"$f":"(N34*2-52.5)/AVERAGE(J38,N38)","v":1.0998687592947361E-2}]
[null,"Net Profit Over Revenues core adjusted for AT1 coupon",{"$f":"C32/(C10+C11-C12)","v":1.3879553400544887E-2},{"$f":"(D32-2.014)/(D10+D11-D12)","v":0.15649826650544368},{"$f":"(E32-(600*8.75%/4))/(E10+E11-E12)","v":0.17775350056415493},{"$f":"(F32-(600*8.75%/4))/(F10+F11-F12)","v":-3.91970704198841E-2},{"$f":"(G32-(600*8.75%/4))/(G10+G11-G12)","v":0.12524009264707184},{"$f":"(H32-(600*8.75%/4))/(H10+H11-H12)","v":0.21471619239714787},0.21574101213730262,{"$f":"(J32-(600*8.75%/4))/(J10+J11-J12)","v":0.29935585436041995},{"$f":"(K32-(600*8.75%/4))/(K10+K11-K12)","v":0.32065229818843205},{"$f":"(L32-(600*8.75%/4))/(L10+L11-L12)","v":0.30547343120933379},{"$f":"(M32*2-52.5)/(M10+M11-M12)","v":0.34383805251929689},{"$f":"(N32*2-52.5)/(N10+N11-N12)","v":0.62535655818685376}]
[null,"NPE Ratio",{"$f":"C40/C39","v":0.46188801455112838},{"$f":"D40/D39","v":0.24502949369695495},{"$f":"E40/E39","v":0.16726263342843756},{"$f":"F40/F39","v":0.12739482273497998},{"$f":"G40/G39","v":0.12707371265678091},{"$f":"H40/H39","v":9.2555666144884877E-2},{"$f":"I40/I39","v":8.8307662842805099E-2},{"$f":"J40/J39","v":6.7550540433713363E-2},{"$f":"K40/K39","v":6.6303389443239713E-2},{"$f":"L40/L39","v":5.538521689293889E-2},{"$f":"H52","v":9.2555666144884877E-2},{"$f":"L52","v":5.538521689293889E-2}]
[null,"NFI/Assets",{"$f":"((C11-C12)*4)/((C38+69948)/2)","v":4.2250181517457424E-3},{"$f":"(D11-D12)*4/((D38+C38)/2)","v":5.4735407468387608E-3},5.4169816132881264E-3,6.0317880650913782E-3,5.3669600501901312E-3,6.0353077361789877E-3,6.1026832960260268E-3,6.4539936337312956E-3,6.5391418595083109E-3,7.4589828407288193E-3,{"$f":"(M11-M12)*2/((M38+F38)/2)","v":5.6836757997881697E-3},{"$f":"(N11-N12)*2/((N38+J38)/2)","v":6.9624849810532114E-3}]
[null,"Cost-to-Income Ratio core",{"$f":"-(C19-C20)/(C10+C11-C12)","v":0.48083850034358},0.4196578846019734,0.52375480891649029,0.5120443086812716,0.50550950490774482,0.48368386263337726,0.46443302284055094,0.37959555512107929,{"$f":"-(K19-K20)/(K10+K11-K12)","v":0.35680978271385166},0.31632961700937368,0.49412324969967547,0.33554405749595689]
[null,"CoR organic",{"$f":"-(C23-C24)/C41*4","v":1.5541891882283367E-2},1.2881177715406708E-2,1.0061574322515251E-2,{"$f":"-(F23-F24)/F41*4","v":8.3168577674545708E-3},8.9094384980590389E-3,{"$f":"-(H23-H24)/H41*4","v":8.2257359705319808E-3},{"$f":"-(I23-I24)/I41*4","v":8.1059406614046158E-3},{"$f":"-(J23-J24)/J41*4","v":7.8021491403028808E-3},{"$f":"-(K23-K24)/K41*4","v":8.4178368179442173E-3},{"$f":"-(L23-L24)/L41*4","v":1.1414616830149922E-2},{"$f":"-(M23-M24)/M41*2","v":8.5212896398028544E-3},{"$f":"-(N23-N24)/N41*2","v":9.8739736860234909E-3}]
[null,"CET 1 Ratio FL4",0.10110087698960571,8.8332586334182853E-2,7.5705221401426617E-2,8.629527569564327E-2,9.7720359906705107E-2,9.5050723061205031E-2,0.10401128214699894,0.11537429500178004,0.12160683641678371,0.12337089117031681,9.5050723061205031E-2,0.12337089117031681]
[null,"Total Capital Ratio FL4",0.12254656564805029,0.12909093124538731,0.12190680406169302,0.13384913933567932,0.14550610577225456,0.14306420459819125,0.15149375077383412,0.16397282263208349,0.16966286420852666,0.17106045000593989,0.14306420459819125,0.17106045000593989]
[]
[null,"1. In Q4.22 €26mn one-off related with the sale of RES infrastructure, booked in associates' income. For an analysis of all PnL one-offs refer to spreadsheet \"EPS calculations\""]
[null,"2. Gross loans, Net loans and NPEs include loans and advances to customers fair valued through P&L"]
[null,"3. Normalized profits are calculated under an assumption of normalized tax rate. A projected effective corporate tax rate of 26% is used based on Piraeus business plan assumptions for 2023"]
[null,"4. Capital ratios for June 2023 are pro-forma for the RWA relief from the Sunrise 3, Solar NPE securitizations and the RWA of the Delta and Wheel NPE portfolios, classified as HFS as at 30 June 2023"]

{"sheet":"EPS calculations","index":2,"n_rows":51,"n_cols":14,"rows_kept":51,"cut":false,"hidden":false,"merged":[[4,1,4,13],[47,2,47,13],[49,1,49,13]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"EPS CALCULATIONS"]
[]
[]
[null,"(million €)"]
[null,"Group Figures","Q1 2021","Q2 2021","Q3 2021","Q4 2021","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023","H1 2022","H1 2023"]
[null,"Net interest income",365.52100000000002,406.72900000000004,319.03500000000003,318.28100000000001,285.89500000000004,305.56799999999998,330.59200000000004,430.64700000000005,446.86599999999999,487.8,591.46299999999997,934.66599999999994]
[null,"Net fee income & rental/non bank income (1)",74.967358459967997,100.52405054030399,101.72331534947027,115.74065238800003,105.719320299264,121.566329414544,125.41919048699201,126.49777457919998,121.64700000000001,141.40600000000001,227.285649713808,263.053]
[null,"Operating expenses",-211.8037617006963,-212.87274214764187,-220.37419105588617,-222.23831694971668,-197.96476116926397,-206.597982314544,-211.78665564699202,-211.4896799892,-202.85099999999997,-199.03649299999998,-404.56274348380794,-401.88749299999995]
[null,"Underlying Cost of Risk",-102.84829006570808,-60.479000303506474,-50.648999848739258,-43.438999710690339,-44.036208999999992,-45.59800000000002,-44.684999999999988,-17.424000000000014,-35.677000000000007,-68.966475719999991,-89.634209000000013,-104.64347572]
[null,"Servicing Fees & Credit Protection Costs",-42.784525000000002,-46.636085000000001,-33.531860999999999,-29.591712999999984,-34.092790999999998,-27.292999999999999,-28.457000000000001,-52.601999999999997,-38.956000000000003,-33.262410270000004,-61.385790999999998,-72.218410270000007]
[null,"Impairment on Other Assets",-24.397000000000002,-39.49,-4.7070000000000007,12.442,-3.3130000000000011,-9.418000000000001,-19.056999999999999,-38.635000000000005,-10.359000000000002,-32.141000000000005,-12.731000000000002,-42.500000000000007]
[null,"Associates' Income",-6.069,-0.92500000000000004,8.5850000000000009,16.565999999999999,-4.4249999999999998,-4.9989999999999997,0.27700000000000002,12.239999999999998,-10.638999999999999,-11.848000000000001,-9.4239999999999995,-22.487000000000002]
[null,"Core Operating Income",{"$f":"SUM(C10:C16)","v":52.585781693563632},{"$f":"SUM(D10:D16)","v":146.85022308915563},120.08126344484489,167.76062272759302,107.78255913000007,{"$f":"SUM(H10:H16)","v":133.22834709999995},{"$f":"SUM(I10:I16)","v":152.30253484000005},{"$f":"SUM(J10:J16)","v":249.23409458999998},{"$f":"SUM(K10:K16)","v":270.03100000000001},{"$f":"SUM(L10:L16)","v":283.95162101000005},{"$f":"SUM(M10:M16)","v":241.01090623000002},{"$f":"SUM(N10:N16)","v":553.98262101000012}]
[null,"Tax",-46.384,-64.501000000000005,-32.261000000000003,-173.16,-22.04,-0.28899999999999998,-55.845999999999997,-61.52,-75.64,-14.627000000000001,-22.329000000000001,-90.266999999999996]
[null,"Tax normalized",0,0,0,0,-46.828745373799997,-28.147690246,-40.991219058400013,-69.888544593399999,-75.64,-79.180905252499997,-74.9764356198,-154.82090525249998]
[null,"Minorities",-8.7999999999999995E-2,-0.95099999999999996,9.6000000000000002E-2,1.512,1.2170000000000001,-0.24299999999999999,0.19400000000000001,0.56399999999999995,1.0289999999999999,0.56000000000000005,0.97400000000000009,1.589]
[null,"Core Operating Profit",{"$f":"SUM(C17:C20)","v":6.1137816935636318},{"$f":"SUM(D17:D20)","v":81.398223089155636},87.916263444844901,-3.8873772724069799,{"$f":"G17+G19+G20","v":62.170813756200069},{"$f":"H17+H19+H20","v":104.83765685399996},{"$f":"I17+I19+I20","v":111.50531578160003},179.90954999659996,195.42000000000002,205.33071575750006,167.00847061019999,400.75071575750013]
[]
[null,"AT1 Coupon (mn)",0,-2.0139999999999998,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,{"$f":"-13.125*2","v":-26.25},{"$f":"-13.125*2","v":-26.25}]
[null,"Core Operating Profit adjusted for AT1 cpn (mn)",{"$f":"C21+C23","v":6.1137816935636318},{"$f":"D21+D23","v":79.38422308915564},{"$f":"E21+E23","v":74.791263444844901},{"$f":"F21+F23","v":-17.01237727240698},{"$f":"G21+G23","v":49.045813756200069},{"$f":"H21+H23","v":91.71265685399996},{"$f":"I21+I23","v":98.380315781600032},166.78454999659996,182.29500000000002,192.20571575750006,140.75847061019999,374.50071575750013]
[null,"Core EPS",{"$f":"C24/(C48/1000000)","v":4.8895888992474268E-3},{"$f":"D24/(C48/1000000)","v":6.3488726854731087E-2},{"$f":"E24/(C48/1000000)","v":5.9815438272125036E-2},{"$f":"F24/(C48/1000000)","v":-1.3605904697013144E-2},{"$f":"G24/(C48/1000000)","v":3.9225127509760441E-2},{"$f":"H24/(C48/1000000)","v":7.3348577255531566E-2},{"$f":"I24/(C48/1000000)","v":7.8681137806505055E-2},{"$f":"J24/(C48/1000000)","v":0.13338845335087607},{"$f":"K24/(C48/1000000)","v":0.14579316911604617},{"$f":"L24/(C48/1000000)","v":0.15371941316275217},{"$f":"M24/(C48/1000000)","v":0.11257370476529198},{"$f":"N24/(C48/1000000)","v":0.2995125822787984}]
[]
[null,"Core Operating Profit",{"$f":"C21","v":6.1137816935636318},81.398223089155636,87.916263444844901,-3.8873772724069799,62.170813756200069,{"$f":"H21","v":104.83765685399996},{"$f":"I21","v":111.50531578160003},{"$f":"J21","v":179.90954999659996},{"$f":"K21","v":195.42000000000002},205.33071575750006,167.00847061019999,400.75071575750013]
[null,"Trading & Other Income Normalized",24.198361380000051,-2.3035703299999568,-0.38139516999996204,-2.8611548199999675,72.328000000000031,-24.967999999999961,5.3560000000000514,19.567999999999984,8.2740000000000578,32.771999999999878,47.359999999999957,41.045999999999935]
[null,"Normalized Operating Profit",{"$f":"C27+C28","v":30.312143073563682},{"$f":"D27+D28","v":79.094652759155679},87.534868274844939,-6.748532092406947,134.49881375620009,{"$f":"H27+H28","v":79.869656853999999},{"$f":"I27+I28","v":116.86131578160008},199.47754999659995,{"$f":"K27+K28","v":203.69400000000007},238.10271575749994,214.36847061019995,441.79671575750007]
[]
[null,"AT1 Coupon (mn)",0,-2.0139999999999998,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,{"$f":"-13.125*2","v":-26.25},{"$f":"-13.125*2","v":-26.25}]
[null,"Normalized Operating Profit adjusted for AT1 cpn (mn)",{"$f":"C29+C31","v":30.312143073563682},{"$f":"D29+D31","v":77.080652759155683},74.409868274844939,-19.873532092406947,121.37381375620009,{"$f":"H29+H31","v":66.744656853999999},{"$f":"I29+I31","v":103.73631578160008},{"$f":"J29+J31","v":186.35254999659995},{"$f":"K29+K31","v":190.56900000000007},{"$f":"L29+L31","v":224.97771575749994},188.11847061019995,415.54671575750007]
[null,"Normalized EPS",{"$f":"C32/(C48/1000000)","v":2.4242592508811854E-2},{"$f":"D32/(C48/1000000)","v":6.1646411823093418E-2},{"$f":"E32/(C48/1000000)","v":5.9510411746329775E-2},{"$f":"F32/(C48/1000000)","v":-1.5894156314114248E-2},{"$f":"G32/(C48/1000000)","v":9.707053377885938E-2},{"$f":"H32/(C48/1000000)","v":5.338004357940531E-2},{"$f":"I32/(C48/1000000)","v":8.2964679394511034E-2},{"$f":"J32/(C48/1000000)","v":0.14903825577695901},{"$f":"K32/(C48/1000000)","v":0.15241042510916816},{"$f":"L32/(C48/1000000)","v":0.17992931326023726},{"$f":"M32/(C48/1000000)","v":0.15045057735826459},{"$f":"N32/(C48/1000000)","v":0.3323397383694055}]
[]
[null,"Normalized Operating Profit",{"$f":"C29","v":30.312143073563682},{"$f":"D29","v":79.094652759155679},87.534868274844939,-6.748532092406947,134.49881375620009,{"$f":"H29","v":79.869656853999999},{"$f":"I29","v":116.86131578160008},199.47754999659995,{"$f":"K29","v":203.69400000000007},238.10271575749994,214.36847061019995,441.79671575750007]
[null,"Clean-up Impairments",-829.04670999999996,-2185,-734,-126,-151.6,-117.35,-18.381,-33.1,-20.760999999999999,-180.79911400999998,-268.95,-201.56011400999998]
[null,"Merchant Acquiring Business Carveout",0,0,0,0,281,0,0,0,0,0,281,0]
[null,"Fee, Trading & Other Income One offs",394.69031077,100.54314154000001,11.095469029999999,195.45343817999998,236.72271175,108.6836529,51.898115160000003,-0.67009458999999993,0,0,345.40636465,0]
[null,"Operating Costs One offs",0,-40,0,15.199000000000002,-4.1472708799999998,-6.6,-19.877649999999999,-30.314,-3.1720000000000002,-2.1745070000000002,-10.747270879999999,-5.3465070000000008]
[null,"Associates' income one-off",0,0,0,0,0,0,0,25.8,0,0,0,0]
[null,"Tax normalized(2)",0,0,0,0,46.828745373799997,28.147690246,40.991219058400013,69.888544593399999,75.64,79.180905252499997,74.9764356198,154.82090525249998]
[null,"Reported Net Profit",{"$f":"SUM(C35:C41)","v":-404.04425615643629},{"$f":"SUM(D35:D41)","v":-2045.362205700844},{"$f":"SUM(E35:E41)","v":-635.36966269515506},77.903906087593029,{"$f":"SUM(G35:G41)+G18","v":521.26300000000015},{"$f":"SUM(H35:H41)+H18","v":92.462000000000003},115.6460000000001,169.56199999999998,179.76100000000008,119.68299999999995,613.72500000000002,{"$f":"SUM(N35:N41)+N18","v":299.44400000000007}]
[]
[null,"AT1 Coupon (mn)",0,-2.0139999999999998,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,-13.125,{"$f":"-13.125*2","v":-26.25},{"$f":"-13.125*2","v":-26.25}]
[null,"Reported Net Profit adjusted for AT1 cpn (mn)",{"$f":"C42+C44","v":-404.04425615643629},{"$f":"D42+D44","v":-2047.3762057008439},{"$f":"E42+E44","v":-648.49466269515506},64.778906087593029,508.13800000000015,{"$f":"H42+H44","v":79.337000000000003},{"$f":"I42+I44","v":102.5210000000001},{"$f":"J42+J44","v":156.43699999999998},{"$f":"K42+K44","v":166.63600000000008},{"$f":"L42+L44","v":106.55799999999995},587.47500000000002,273.19400000000007]
[null,"Reported EPS adjusted",{"$f":"C45/(C48/1000000)","v":-0.32314047323394712},{"$f":"D45/(C48/1000000)","v":-1.6374199259547},{"$f":"E45/(C48/1000000)","v":-0.51864336393849564},{"$f":"F45/(C48/1000000)","v":5.1807904826687089E-2},{"$f":"G45/(C48/1000000)","v":0.40639101109898507},{"$f":"H45/(C48/1000000)","v":6.3450959478645902E-2},{"$f":"I45/(C48/1000000)","v":8.1992712312165358E-2},{"$f":"J45/(C48/1000000)","v":0.12511284454870902},{"$f":"K45/(C48/1000000)","v":0.13326964825596688},{"$f":"L45/(C48/1000000)","v":8.522136380409577E-2},{"$f":"M45/(C48/1000000)","v":0.46984197057763089},{"$f":"N45/(C48/1000000)","v":0.21849101206006269}]
[]
[null,"Outstanding Number of Shares (#)",1250367223]
[null,"* For simplification, all EPS figures are calculated with the current number of shares; normalized core and operating profits include tax expense in its totality"]
[null,"(1) Q1, Q2, Q3.2022 net fee  & rental income and general expenses have been restated to reflect the reclassification of fees paid to card services provider,\n      which were previously included within general expenses to net fee income as an expense. Comparative information have been restated backwards for 2021 in order to align with the aforementioned changes"]
[null,"(2) Normalized profits are calculated under an assumption of normalized tax rate. A projected effective corporate tax rate of 26% is used based on Piraeus business plan assumptions for 2023"]

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[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"CONSOLIDATED BALANCE SHEET"]
[]
[]
[]
[null,"(million €)",null,null,null,"2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30",null,"QoQ"]
[null,"ASSETS"]
[null,"1. Cash and balances with central banks",null,null,null,10179.561,12525.597,13294.813,15519.423000000001,17962.309000000001,17900.582999999999,18296.858,9653.3209999999999,9575.5249999999996,10606.468999999999,null,{"$f":"O11/N11-1","v":0.10766448837008924}]
[null,"2. Loans and advances to credit institutions  ",null,null,null,1396.6559999999999,1367.58,1360.682,1344.002,713.46199999999999,764.02,791.03899999999999,750.274,952.57899999999995,725.86500000000001,null,{"$f":"O12/N12-1","v":-0.23800020785677611}]
[null,"3. Gross loans and advances to customers ",null,null,null,47883.53,36639.326000000001,35705.123,38491.879999999997,37066.123,36923.947999999997,37634.457999999999,38787.358,36761.303,36924.800999999999,null,4.4475572587838741E-3]
[null,"4. Cumulative Provisions",null,null,null,10452.816999999999,3489.1179999999999,2306.634,1970.607,2066.942,1554.865,1619.0719999999999,1420.854,1348.92,1152.9960000000001,null,-0.1452450849568544]
[null,"5. Net Loans",null,null,null,37430.713000000003,33150.207999999999,33398.489000000001,36521.273000000001,34999.180999999997,35369.082999999999,36015.385999999999,37366.504000000001,35412.383000000002,35771.805,null,1.0149613484074171E-2]
[null,"6. Securities inc. derivatives",null,null,null,10317.455000000002,12762.772999999997,13280.59,13268.543,12726.203000000001,14168.24,13902.302,14301.594000000001,15124.817000000001,16006.099,null,5.826728349837218E-2]
[null,"7. Investments in associates",null,null,null,263.49200000000002,235.41,244.58699999999999,629.697,540.50900000000001,534.07399999999996,669.65599999999995,1023.0170000000001,1039.75,1077.6510000000001,null,3.6452031738398727E-2]
[null,"8. Goodwill",null,null,null,37.991,37.988,37.984999999999999,9.3989999999999991,12.702999999999999,12.701000000000001,26.506,26.884,26.978999999999999,26.934000000000001,null,-1.6679639719781036E-3]
[null,"9. Other intagible assets",null,null,null,231.934,242.791,243.82299999999998,257.584,252.41399999999999,270.46300000000002,272.971,285.13200000000001,286.298,303.16800000000001,null,5.8924617007453772E-2]
[null,"10. Property, plant and equipment",null,null,null,2106.154,2099.7530000000002,2086.39,1930.115,2234.3519999999999,2302.94873951,2314.174,2249.8490000000002,2279.1350000000002,2500.1993455800002,null,9.6994844789799695E-2]
[null,"11. Deferred tax assets",null,null,null,6299.4030000000002,6275.4930000000004,6245.1840000000002,6070.2709999999997,6104.8459999999995,6127.7669999999998,6073.9040000000005,5974.3810000000003,5899.0709999999999,5893.2340000000004,null,-9.8947783473013473E-4]
[null,"12. Other assets",null,null,null,3484.6439999999998,3637.232,3621.1080000000002,3689.6260000000002,3652.1610000000001,3800.7888938299998,3821.5949999999998,3623.6109999999999,3723.4319999999998,3663.9480000000003,null,-1.5975583816220995E-2]
[null,"13. Assets from discontinued operations & held for sale (1,2,3,4,5,6,7,8,9,10)",null,null,null,365.65600000000001,2703.4119999999998,1607.422,549.56799999999998,297.892,621.68778474999999,471.678,406.07100000000003,359.916,407.24099999999999,null,0.13148901410329072]
[null,"14. Total Assets",null,null,null,72113.659,75038.237000000008,75421.072,79789.500999999989,79496.032000000007,81872.35641808997,82656.067999999985,75660.636999999988,74679.885000000009,76982.613345579986,null,{"$f":"O24/N24-1","v":3.0834653073983365E-2}]
[]
[null,"LIABILITIES & EQUITY"]
[null,"15. Due to credit institutions",null,null,null,11408.450999999999,13791.319,13931.491,14865.352999999999,14843.165999999999,15405.651,15455.851000000001,6921.598,6914.1940000000004,7657.5020000000004,null,{"$f":"O27/N27-1","v":0.10750464913191626}]
[null,"ECB",null,null,null,11000,13500,13500,14500,14500,14500,14400,5500,5500,5500,null,{"$f":"O28/N28-1","v":0}]
[null,"Other",null,null,null,408.45099999999911,291.31899999999951,431.49099999999999,365.35299999999916,343.16599999999926,905.65099999999984,1055.8510000000006,1421.598,1414.1940000000004,2157.5020000000004,null,0.5256053978449915]
[null,"16. Liabilities at FV through PL",null,null,null,8.9589999999999996,0,0.40500000000000003,0,0,0,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,9.7000000000000003E-2,null,"-"]
[null,"17. Derivative financial instruments",null,null,null,477.95800000000003,457.04700000000003,416.56,392.69,352.846,774.53899999999999,679.07500000000005,655.55600000000004,626.82399999999996,632.13199999999995,null,{"$f":"O31/N31-1","v":8.4680867356705658E-3}]
[null,"18. Due to customers ",null,null,null,50430.936000000002,51214.957999999999,52232.855000000003,55441.917000000001,54853.94,56079.063000000002,56732.552000000003,58371.917000000001,57173.915000000001,58381.487999999998,null,{"$f":"O32/N32-1","v":2.1121047946427884E-2}]
[null,"19. Debt securities and other borrowed funds",null,null,null,1392.8049999999998,1370.9659999999999,1388.259,1905.826,1900.231,1883.566,1906.095,1786.289,1783.144,1773.7460000000001,null,-5.2704660980829043E-3]
[null,"20. Deferred tax liabilities",null,null,null,31.356000000000002,31.388999999999999,31.463999999999999,10.042999999999999,9.9710000000000001,9.9179999999999993,9.8930000000000007,9.9359999999999999,9.9640000000000004,9.1920000000000002,null,-7.7478924126856752E-2]
[null,"21. Retirement benefit obligations",null,null,null,124.456,119.295,114.456,74.92,69.616,66.422728060000011,64.58,55.177,52.134,49.935000000000002,null,-4.2179767522154465E-2]
[null,"22. Other liabilities",null,null,null,1507.7159999999999,1483.674,1437.6370000000002,1267.636,1249.2050000000002,1412.086,1453.903,1279.4090000000001,1354.3989999999999,1585.8819999999998,null,0.17091196907262929]
[null,"23. Liabilities from discontinued operations & held for sale (1,2,3,4,5,6,7,8,9,10)",null,null,null,32.015000000000001,32.445,31.777999999999999,28.324999999999999,28.036999999999999,28.224,0,0,0,0,null,"-"]
[null,"24. Total Liabilities",null,null,null,65414.652000000002,68501.092999999993,69584.905000000028,73986.710000000006,73307.012000000002,75659.533998480008,76302.046000000017,69079.979000000007,67914.671000000017,70089.973999999973,null,{"$f":"O38/N38-1","v":3.2029942396392563E-2}]
[null,"25. Shareholders' funds",null,null,null,6590.5179999999964,5827.7029999999995,5126.8229999999985,5187.5159999999996,5569.0329999999976,5595.5579999999991,5725.6030000000001,5952.7990000000009,6138.3770000000013,6250.2910000000002,null,{"$f":"O39/N39-1","v":1.8231855097853744E-2}]
[null,"26. Additional Tier I",null,null,null,null,600,600,600,600,600,600,600,600,600,null,{"$f":"O40/N40-1","v":0}]
[null,"27. Non Controlling Interests",null,null,null,108.488,109.441,109.34399999999999,15.275,19.986999999999998,17.265999999999998,28.422000000000001,27.856999999999999,26.838000000000001,42.353000000000002,null,0.57809821894328928]
[null,"28. Total Equity",null,null,null,6699.0059999999967,6537.1439999999993,5836.1669999999986,5802.7909999999993,6189.0199999999977,6212.8239999999987,6354.0249999999996,6580.6560000000009,6765.2150000000011,6892.6440000000002,null,{"$f":"O42/N42-1","v":1.8835912827604107E-2}]
[null,"29. Tangible Equity",null,null,null,{"$f":"F42-F41-F40-F19-F18","v":6320.5929999999962},5546.9239999999991,4845.0149999999985,4920.5329999999994,5303.9159999999974,{"$f":"K42-K41-K40-K19-K18","v":5312.3939999999993},{"$f":"L42-L41-L40-L19-L18","v":5426.1259999999993},{"$f":"M42-M41-M40-M19-M18","v":5640.7830000000013},{"$f":"N42-N41-N40-N19-N18","v":5825.1000000000013},{"$f":"O42-O41-O40-O19-O18","v":5920.1890000000003},null,{"$f":"O43/N43-1","v":1.6324011604950783E-2}]
[null,"30. Total Liabilities & Equity",null,null,null,72113.657999999996,75038.236999999994,75421.072000000029,79789.501000000004,79496.032000000007,81872.357998480002,82656.071000000011,75660.635000000009,74679.886000000013,76982.617999999973,null,{"$f":"O44/N44-1","v":3.0834701595553682E-2}]
[]
[null,"(1) For 31.03.2021 and onwards discontinued operations refer to Imithea"]
[null,"(2) For 30.06.2021 discontinued operations also include Sunrise 1 loan portfolio, classified as HFS along with other corporate NPE tickets similarly categorized"]
[null,"(3) For 30.09.2021 discontinued operations also include Sunrise 2 loan portfolio, as well Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(4) For 31.12.2021 discontinued operations also include Sunshine Leasing and Dory shipping NPE portfolios along with other corporate NPE tickets similarly categorized"]
[null,"(5) For 31.03.2022 discontinued operations also include Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(6) For 30.06.2022 discontinued operations also include Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(7) For 30.09.2022 disconinued operations have zeroed on the back of the loss of control over IMITHEA; figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(8) For 31.12.2022 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(9) For 31.03.2023 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio along with other corporate NPE tickets similarly categorized"]
[null,"(10) For 30.06.2023 figure includes Sunrise 3 NPE loan portfolio, Solar NPE loan portfolio, Sunshine Leasing NPE portfolio, Delta NPE loan portfolio along with other corporate NPE tickets similarly categorized"]

{"sheet":" Analysis of selected BS items","index":4,"n_rows":57,"n_cols":12,"rows_kept":57,"cut":false,"hidden":false,"merged":[[4,1,4,11],[55,1,55,11],[56,1,56,11],[35,1,35,11],[26,1,26,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"ANALYSIS OF SELECTED BALANCE SHEET ITEMS"]
[]
[]
[null,"(million €)"]
[null,"CONSOLIDATED LOANS (per customer type)","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"1. Loans to Corporate Entities",30574.867193419999,23993.462270999997,21301.746271,21593.281212000002,21787.930113000002,21824.11515812956,22594.43847987329,22421.128692623519,22095.247841576391,22702.939940306929]
[null,"2. Seasonal OPEKEPE*",null,null,null,1474,null,null,null,1517.3255670000001]
[null,"3. Senior Notes (HAPS securitizations)",null,2489.667496,4959.0380000000005,6236,6182,6131.1678308704404,6108.7819081267126,6074.4239423764802,6034.0444514236096,5951.678018693071]
[null,"4. Mortgage loans",13301.64006,7697.0326199499996,7248.3474050000004,7194.9672380000002,7114.71612,6984.7145549999996,6944.8073199999999,6879.4438449999998,6756.4819079999997,6518.3461340000003]
[null,"5. Consumer loans ",4007.0230329999999,2459.1639197099998,2195.9913999999999,1993.6316239999999,1981.4769420000002,1983.9500880000001,1986.4302869999997,1895.0359719999999,1875.5284529999999,1751.836632]
[null,"6. Loans to Individuals",17308.663092999999,10156.196539659999,9444.3388049999994,9188.5988620000007,9096.1930620000003,8968.6646430000001,8931.2376069999991,8774.4798169999995,8632.0103610000006,8270.1827659999999]
[null,"7. Total Gross Loans to Customers",47883.53,36639.326000000001,35705.123,38491.879999999997,37066.123,36923.947999999997,37634.457999999999,38787.358,36761.303,36924.800725000001]
[]
[null,"Composition"]
[null,"1. Loans to Corporate Entities",{"$f":"+C10/C$16","v":0.63852575600462202},0.65485544878745849,0.59660195739978261,0.56098276342958575,0.58781249155731774,0.59105584154028068,{"$f":"+I10/I$16","v":0.60036572015659928},0.57805248536452314,{"$f":"+K10/K$16","v":0.60104637318150533},{"$f":"+L10/L$16","v":0.61484258532330727}]
[null,"2. Seasonal OPEKEPE *",0,0,0,3.8293790794318182E-2,0,0,{"$f":"+I11/I$16","v":0},3.9119075008924302E-2,0,{"$f":"+L11/L$16","v":0}]
[null,"3. Senior Notes (HAPS securitizations)",null,{"$f":"+D12/D$16","v":6.7950690359315016E-2},0.1388886967284779,0.16200819497514801,0.16678302179054444,0.16604854472415684,{"$f":"+I12/I$16","v":0.16231884907514046},0.15660834497612547,0.16414120172572799,{"$f":"+L12/L$16","v":0.16118375459947917}]
[null,"4. Mortgage loans",{"$f":"+C13/C$16","v":0.27779155087354673},0.21007571536523351,0.20300580969851303,0.18692168940566167,0.19194659554763793,0.18916488981622442,{"$f":"+I13/I$16","v":0.18453320943269597},0.17736304300488834,0.18379331951318481,0.17653029958227351]
[null,"5. Consumer loans ",{"$f":"+C14/C$16","v":8.3682699103428668E-2},6.7118153857688309E-2,6.1503538301772548E-2,5.1793563317769881E-2,5.3457895825792197E-2,5.373071395290667E-2,{"$f":"+I14/I$16","v":5.2782221202707362E-2},4.8857052135389059E-2,5.1019096167510707E-2,4.7443360494940086E-2]
[null,"6. Loans to Individuals",{"$f":"+C15/C$16","v":0.36147424997697536},0.27719386922292183,0.26450934800028553,0.23871525272343158,0.24540449137343015,0.24289560376913111,{"$f":"+I15/I$16","v":0.23731543063540331},0.22622009514027738,0.23481241568069555,0.22397366007721359]
[null,"7. Total Gross Loans to Customers",{"$f":"+C16/C$16","v":1},1,1,1,1,1,{"$f":"+I16/I$16","v":1},1,1,1]
[]
[null,"* OPEKEPE relates to a seasonal funding facility to Greek farmers (EU subsidized bridge financing); the loan is granted close to year end and is repaid early next year"]
[]
[null,"SECURITIES (debt & equity securities)","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"1. Derivative financial instruments",615.14099999999996,581.15599999999995,613.98900000000003,591.02700000000004,968.327,1899.951,1799.1310000000001,1830.4469999999999,2070.4380000000001,2278.8969999999999]
[null,"2. Debt securities at amortized cost",4975.3630000000003,8629.2109999999993,8654.3790000000008,9200.3179999999993,9013.4310000000005,9500.6129999999994,9773.1540000000005,10843.849,10920.925999999999,10916.134]
[null,"3. Financial instruments at fair value through P&L",675.53400000000011,724.96400000000006,1081.1500000000001,906.2109999999999,792.02200000000005,746.923,738.21799999999996,548.00800000000004,860.8,1345.7779999999998]
[null,"4. Financial instruments at fair value through operating comprehensive income",4051.4169999999999,2827.442,2931.0720000000001,2570.9870000000001,1952.423,2020.7529999999999,1591.799,1079.29,1272.653,1465.2900000000002]
[null,"5. Total Securities",{"$f":"SUM(C30:C33)","v":10317.455},{"$f":"SUM(D30:D33)","v":12762.772999999997},13280.59,13268.542999999998,12726.203000000001,{"$f":"SUM(H30:H33)","v":14168.24},{"$f":"SUM(I30:I33)","v":13902.302},{"$f":"SUM(J30:J33)","v":14301.594000000001},{"$f":"SUM(K30:K33)","v":15124.816999999999},{"$f":"SUM(L30:L33)","v":16006.099}]
[]
[]
[null,"CONSOLIDATED CUSTOMER DEPOSITS (per product type)","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"1. Savings",21012.871007999998,21944.782984000001,22688.746491000002,24322.086081000001,24506.804319999999,24515.160565999999,24730.949412999998,25795.141911529998,24277.181081999999,23702.750005000002]
[null,"2. Sight deposits and other deposits",16217.321679000001,17497.412084,18705.921991000003,20828.721648000002,20576.458893999999,22174.075815,22289.721955000001,22246.435624269998,21038.986684,21165.675943999999]
[null,"3. Term deposits, repos",13200.743420000001,11772.762887000001,10838.186215,10291.109302000001,9770.6764719999992,9389.8262969999996,9711.8803659999994,10330.339848039999,11857.747619,13513.061891000001]
[null,"4. Total Customer Deposits ",{"$f":"C38+C39+C40","v":50430.936107000001},51214.957955000005,{"$f":"E38+E39+E40","v":52232.85469700001},{"$f":"F38+F39+F40","v":55441.917031000004},54853.939685999998,56079.062677999995,56732.551733999993,58371.917383839995,{"$f":"K38+K39+K40","v":57173.915385},{"$f":"L38+L39+L40","v":58381.487840000002}]
[]
[null,"Composition"]
[null,"1. Savings",{"$f":"+C38/C$41","v":0.41666628918838039},0.42848386214202838,0.43437691894529229,0.4386948969928377,0.44676470751752961,0.43715353636995397,{"$f":"+I38/I$41","v":0.43592168265152553},{"$f":"+J38/J$41","v":0.44191013534654366},{"$f":"+K38/K$41","v":0.42461987986167021},{"$f":"+L38/L$41","v":0.40599770375773281}]
[null,"2. Sight deposits and other deposits",0.32157486913571243,0.34164651856932288,0.35812559163216434,0.37568545179189516,0.37511360189962056,0.39540739013990267,{"$f":"+I39/I$41","v":0.39289122864610548},0.38111538255601013,{"$f":"+K39/K$41","v":0.36798226153179869},0.36254087943093433]
[null,"3. Time deposits, repos",0.26175884167590713,0.22986961928864869,0.20749748942254329,0.18561965121526716,0.17812169058284985,0.16743907349014342,{"$f":"+I40/I$41","v":0.17118708870236907},0.17697448209744618,{"$f":"+K40/K$41","v":0.20739785860653104},0.23146141681133287]
[null,"4. Total Customer Deposits",{"$f":"+C44+C45+C46","v":1},1,0.99999999999999989,{"$f":"+F44+F45+F46","v":1},{"$f":"+G44+G45+G46","v":1},{"$f":"+H44+H45+H46","v":1},{"$f":"+I44+I45+I46","v":1},{"$f":"+J44+J45+J46","v":1},{"$f":"+K44+K45+K46","v":1},{"$f":"+L44+L45+L46","v":1}]
[]
[]
[null,"CUSTOMER FUNDS","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"1. Customer funds",{"$f":"C52+C53","v":50430.936106999994},{"$f":"D52+D53","v":51214.957955000005},52232.854697000002,55441.917031000004,{"$f":"G52+G53","v":54853.939685999991},56079.062678000002,56732.551733999993,58371.917383839995,57173.915385,58381.487840000002]
[null,"2. Saving and sight deposits",37230.192686999995,39442.195068000001,41394.668482000001,45150.807729,45083.263213999991,46689.236381000002,47020.671367999996,48041.577535799996,45316.167765999999,44868.425948999997]
[null,"3. Time deposits",13200.743420000001,11772.762887000001,10838.186215,10291.109302000001,9770.6764719999992,9389.8262969999996,9711.8803659999994,10330.339848039999,11857.747619,13513.061891000001]
[null,"4. Assets under management1",4905.9699999999993,5340.6430612000004,5595.3,5789,6696.5999999999995,6516.0999999999995,6425,6938.49,7554,8220]
[null,"5. Total customer assets",{"$f":"C51+C54","v":55336.906106999995},56555.601016200002,57828.154697000005,61230.917031000004,61550.539685999989,{"$f":"H51+H54","v":62595.162678000001},{"$f":"I51+I54","v":63157.551733999993},{"$f":"J51+J54","v":65310.407383839993},{"$f":"K51+K54","v":64727.915385},{"$f":"L51+L54","v":66601.487840000002}]
[]
[null,"(1) Assets under management include MFMC assets, Private Banking assets, Brokerage and Custody. Iolcus is included as at 30 March 2022."]

{"sheet":"PL","index":5,"n_rows":53,"n_cols":12,"rows_kept":53,"cut":false,"hidden":false,"merged":[[51,1,51,6],[4,1,4,11],[47,1,47,4],[48,1,48,6],[49,1,49,6],[50,1,50,3]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"CONSOLIDATED P&L"]
[]
[]
[]
[null,"(million €)","Q1 2021","Q2 2021","Q3 2021","Q4 2021","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023"]
[null,"Net interest income",365.52100000000002,406.72900000000004,319.03500000000003,318.28100000000001,285.89500000000004,305.56799999999998,330.59200000000004,430.64700000000005,446.86599999999999,487.8]
[null,"Net fee and commission income (3)",76.243030609967988,100.841621750304,101.80354163689601,113.08793574800001,100.74703204926399,105.097982314544,107.80430564699201,107.34067998919998,104.691,120.48399999999999]
[null,"Rental income and income from non-banking activities (1)",6.2146386199999997,8.8416043300000009,11.015242742574257,13.60615482,11.994999999999999,15.875,17.513000000000002,18.486999999999998,16.956,20.922000000000001]
[null,"Core Income",{"$f":"C11+C10+C12","v":447.97866922996803},{"$f":"D11+D10+D12","v":516.41222608030409},431.85378437947026,444.97509056800004,398.63703204926401,426.54098231454395,{"$f":"I11+I10+I12","v":455.90930564699204},{"$f":"J11+J10+J12","v":556.47467998920001},{"$f":"K11+K10+K12","v":568.51300000000003},{"$f":"L11+L10+L12","v":629.20600000000002}]
[null,"Total trading, dividend, and other operating income",411.39836138000004,89.080395669999987,-0.38139517000000023,181.63884517999998,583.02800000000002,84.309000000000012,57.356000000000002,19.567999999999998,8.2740000000000009,32.771999999999998]
[null,"Total Net Revenues",{"$f":"C14+C10+C11+C12","v":859.37703060996796},605.49262175030401,431.47238920947024,626.61393574800002,{"$f":"G14+G10+G11+G12","v":981.66503204926403},510.84998231454404,513.26530564699203,{"$f":"J14+J10+J11+J12","v":576.0426799892},{"$f":"K14+K10+K11+K12","v":576.78700000000003},{"$f":"L14+L10+L11+L12","v":661.97800000000007}]
[null,"of which acquiring fees (4)",7.4903107700000007,9.1591755400000032,11.095469029999999,10.953438179999981,7.0227117500000009,-0.59334710000000002,-0.10188483999999999,-0.67009458999999993,0,0]
[null,"of which one-off ",387.2,91.383966000000001,0,184.5,510.7,109.277,52,0,0,0]
[null,"Staff costs",96.846999999999994,136.47999999999999,95.391999999999996,75.997,91.200999999999993,101.155,121.26600000000001,131.95599999999999,96.718999999999994,96.57]
[null,"Administrative expenses (3)",87.366761700696301,88.471742147641876,97.352191055886195,103.95131694971666,81.31903204926401,87.151982314544,85.185305646991992,83.882679989199985,83.156999999999996,78.429000000000002]
[null,"Depreciation and amortization",27.59,27.920999999999999,27.63,27.091000000000001,29.591999999999999,24.890999999999998,25.213000000000001,25.965,26.146999999999998,26.212]
[null,"Operating Cost",{"$f":"C20+C19+C18","v":211.8037617006963},252.87274214764187,220.37419105588617,{"$f":"F20+F19+F18","v":207.03931694971664},202.112032049264,213.19798231454399,231.66430564699198,241.80367998919996,{"$f":"K20+K19+K18","v":206.023},201.21100000000001]
[null,"of which one-off",0,40,0,-15.199000000000002,4.1472708799999998,6.6,19.877649999999999,30.314,3.1720000000000002,2.1745070000000002]
[]
[null,"Profit Before Tax & Provisions",647.57326890927175,352.61987960266214,211.09819815358412,419.57461879828338,779.55300000000011,297.65199999999999,281.601,334.23900000000003,370.76400000000007,460.76699999999994]
[]
[null,"Share of profit of associates",-6.069,-0.92500000000000004,8.5850000000000009,16.565999999999999,-4.4249999999999998,-4.9989999999999997,0.27700000000000002,38.04,-10.638999999999999,-11.848000000000001]
[null,"of which one-off ",0,0,0,0,0,0,0,25.8,0,0]
[]
[null,"Impairment losses on loans",974.67952506570805,2292.1150853035065,818.18086084873926,199.03071271069032,229.72899999999998,190.24100000000001,91.522999999999996,103.126,95.394000000000005,283.02799999999996]
[null,"o/w underlying",102.84829006570808,60.479000303506474,50.648999848739258,43.438999710690339,44.036208999999992,45.59800000000002,44.684999999999988,17.424000000000014,35.677000000000007,68.966475719999991]
[null,"o/w cleanup & other adjustments",829.04670999999996,2185,734,126,151.6,117.35,18.381,33.1,20.760999999999999,180.79911400999998]
[null,"o/w servicing fees & credit protection costs(2)",42.784525000000002,46.636085000000001,33.531860999999999,29.591712999999984,34.092790999999998,27.292999999999999,28.457000000000001,52.601999999999997,38.956000000000003,33.262410270000004]
[null,"Other impairment ",24.397000000000002,39.49,4.7070000000000007,-12.442,3.3130000000000011,9.418000000000001,19.056999999999999,38.635000000000005,10.359000000000002,32.141000000000005]
[null,"Profit before Tax",-357.57225615643625,-1979.9102057008442,-603.20466269515509,249.55190608759304,542.08600000000013,92.993999999999943,171.298,230.51800000000003,254.37200000000004,133.74999999999994]
[null,"Income tax expense",46.384,64.501000000000005,32.261000000000003,173.16,22.04,0.28899999999999998,55.845999999999997,61.52,75.64,14.627000000000001]
[null,"Normalized Income tax expense(5)",0,0,0,0,46.828745373799997,28.147690246,40.991219058400013,69.888544593399999,75.64,79.180905252499997]
[null,"Non Controlling Interests",8.7999999999999995E-2,0.95099999999999996,-9.6000000000000002E-2,-1.512,-1.2170000000000001,0.24299999999999999,-0.19400000000000001,-0.56399999999999995,-1.0289999999999999,-0.56000000000000005]
[null,"Net Profit / (Loss) Attributable to Shareholders ",-404.04425615643629,-2045.3622057008442,-635.36966269515506,77.903906087593043,521.26300000000015,92.461999999999946,115.646,169.56200000000001,179.76100000000002,119.68299999999995]
[null,"Reported EPS adjusted for AT1",{"$f":"+C38/1250.367223","v":-0.32314047323394712},{"$f":"+(D38-2.014)/1250.367223","v":-1.6374199259547002},{"$f":"+(E38-52.5/4)/1250.367223","v":-0.51864336393849564},5.1807904826687103E-2,0.40639101109898507,6.345095947864586E-2,8.1992712312165275E-2,{"$f":"+(J38-52.5/4)/1250.367223","v":0.12511284454870905},{"$f":"+(K38-52.5/4)/1250.367223","v":0.13326964825596682},{"$f":"+(L38-52.5/4)/1250.367223","v":8.522136380409577E-2}]
[null,"Net Profit / (Loss) attributable to Shareholders from discontinued operations",-2.609,0.80200000000000005,-3.2650000000000001,-1.986,-0.84699999999999998,-0.48899999999999999,52.72,-0.82199999999999995,0,0]
[null,"Non Controlling Interests from discontinued operations",0,0,0,0,0,0,0,0,0,0]
[]
[null,"Core Operating Profit",{"$f":"+C38+C31+C22-C14-C16","v":6.1137816935636309},81.398223089155763,87.916263444844944,-3.8873772724069262,{"$f":"+G38+G31+G22-G14-G16+G35-G36","v":62.170813756200111},{"$f":"+H38+H31+H22-H14-H16+H35-H36","v":104.83765685399993},{"$f":"+I38+I31+I22-I14-I16+I35-I36","v":111.50531578159996},{"$f":"+J38+J31+J22-J14-J16-J27+J35-J36","v":179.90954999659999},{"$f":"+K38+K31+K22-K14-K16-K27+K35-K36","v":195.42000000000002},{"$f":"+L38+L31+L22-L14-L16-L27-L36+L35","v":205.33071575749995}]
[null,"Core EPS adj for AT1",{"$f":"+(C43)/1250.367223","v":4.8895888992474259E-3},{"$f":"+(D43-2.014)/1250.367223","v":6.3488726854731198E-2},{"$f":"+(E43-52.5/4)/1250.367223","v":5.9815438272125071E-2},-1.36059046970131E-2,3.9225127509760475E-2,7.3348577255531539E-2,7.8681137806505E-2,{"$f":"+(J43-52.5/4)/1250.367223","v":0.1333884533508761},{"$f":"+(K43-52.5/4)/1250.367223","v":0.14579316911604617},0.15371941316275206]
[null,"Normalized Operating Profit",{"$f":"+C43+C14-C17","v":30.312143073563675},79.09465275915575,87.534868274844939,-6.748532092406947,134.49881375620015,79.869656853999956,116.86131578159996,{"$f":"+J43+J14-J17","v":199.47754999659998},{"$f":"+K43+K14-K17","v":203.69400000000002},{"$f":"+L43+L14-L17","v":238.10271575749994}]
[null,"Normalized EPS adj for AT1",{"$f":"+(C45)/1250.367223","v":2.4242592508811851E-2},{"$f":"+(D45-2.014)/1250.367223","v":6.1646411823093474E-2},{"$f":"+(E45-52.5/4)/1250.367223","v":5.9510411746329775E-2},-1.5894156314114248E-2,9.7070533778859422E-2,5.3380043579405276E-2,8.2964679394510937E-2,{"$f":"+(J45-52.5/4)/1250.367223","v":0.14903825577695903},{"$f":"+(K45-52.5/4)/1250.367223","v":0.15241042510916814},{"$f":"+(L45-52.5/4)/1250.367223","v":0.17992931326023726}]
[]
[null,"(1) This line is reported as of Q1.21 onwards, while previously it was reported in other operating income"]
[null,"(2) As of Q1.21,  fees related to the management of NPEs (AuM and success fees) and fees payable in the context of synthetic securitizations are reported  separately as servicing fees. For prior years servicing fees are illustrated, and comprise success and synthetic securitization fees only"]
[null,"(3)  Q1, Q2, Q3.22 net fee  & rental income and general expenses have been restated to reflect the reclassification of €6.5mn relating to fees paid to card services provider, which were previously included within general expenses to net fee income as an expense. Comparative information have been restated backwards for 2021 in order to align with the aforementioned changes"]
[null,"(4)  acquiring fees for 2021 and 2022 have been classified as one-off  for comparability purposes"]
[null,"(5) Normalized profits are calculated under an assumption of normalized tax rate. A projected effective corporate tax rate of 26% is used based on Piraeus business plan assumptions for 2023"]
[null,"CORE: excluding one off elements and trading/other income; NORMALIZED: excluding one off elements and including normalized/recurring trading/other income"]

{"sheet":"NII","index":6,"n_rows":27,"n_cols":12,"rows_kept":27,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"NET INTEREST INCOME"]
[]
[]
[]
[null,"(million €)","Q1 2021","Q2 2021","Q3 2021","Q4 2021","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023"]
[null,"Net Loans",375.42130860000003,361.86176279666694,322.05970618127594,294.16389040809179,276.31284240000002,283.98485196000001,298.47618699999998,356.40919214000007,410.64699999999993,454.39199999999983]
[null,"o/w PEs",232.37485503999997,231.34471290666667,235.60091232127607,235.40053185240311,236.74443608999997,244.63593896999996,271.31779486000011,333.00848080000031,383.60011604999988,427.67596949000006]
[null,"o/w NPEs",143.04605357,130.51667553999999,86.45847360999997,58.763054270000005,39.56840631,39.348912989999988,27.158392140000007,23.400711339999987,27.046883949999998,26.716030510000003]
[null,"Fixed Income Securities",28.880986150000009,33.896013849999996,34.328380400000015,37.948867889999988,38.993680680000004,47.461657099999989,63.70215254,71.403908629999989,77.10452746,72.456081470000001]
[null,"Other Assets",54.5146381899999,98.995484330000011,54.964760912057152,87.582270421908504,70.144849559999926,71.28409631000001,41.921619080000056,71.231539990000002,93.42187911000012,143.3537541300002]
[null,"Interest Income",{"$f":"C10+C13+C14","v":458.81693293999996},{"$f":"D10+D13+D14","v":494.75326097666692},{"$f":"E10+E13+E14","v":411.35284749333312},{"$f":"F10+F13+F14","v":419.69502872000027},385.45137263999993,{"$f":"H10+H13+H14","v":402.73060536999998},{"$f":"I10+I13+I14","v":404.09995862000005},{"$f":"J10+J13+J14","v":499.04464076000005},{"$f":"K10+K13+K14","v":581.17340657},{"$f":"L10+L13+L14","v":670.20183559999998}]
[]
[null,"Customer Deposits",12.075216410000003,10.778791320000003,8.9324269400000027,8.4185369599999937,7.6433844600000063,8.9835367899999952,12.219328970000003,19.877328919999989,32.772462070000003,52.686348440000003]
[null,"Due to Banks including TLTRO",0.44075059999999999,0.4212494,0.43710517999999998,0.39465862000000029,1.34024155,2.3094708099999997,3.128867950000001,8.0410622899999993,33.190059439999999,46.345009220000016]
[null,"Debt Securities",18.154992290000003,18.381229989999998,18.555139349999997,21.702709370000001,23.027535540000002,23.533112760000002,23.884300769999996,25.820154970000011,29.043533120000003,29.602520509999998]
[null,"Other Liabilities",62.66195986999999,58.487123190000005,64.35661549000001,70.852812990000089,67.544421819999997,62.336843010000017,34.275614619999971,14.660288310000061,39.300500650000011,53.768506830000014]
[null,"Interest Expense",{"$f":"SUM(C17:C20)","v":93.332919169999997},{"$f":"SUM(D17:D20)","v":88.068393900000004},92.281286960000017,101.36871794000008,99.555583370000008,{"$f":"SUM(H17:H20)","v":97.162963370000014},{"$f":"SUM(I17:I20)","v":73.508112309999973},{"$f":"SUM(J17:J20)","v":68.398834490000056},{"$f":"SUM(K17:K20)","v":134.30655528000003},{"$f":"SUM(L17:L20)","v":182.40238500000004}]
[]
[null,"Net Interest Income",{"$f":"C15-C21","v":365.48401376999993},{"$f":"D15-D21","v":406.68486707666693},{"$f":"E15-E21","v":319.07156053333313},318.3263107800002,285.89578926999991,{"$f":"H15-H21","v":305.56764199999998},{"$f":"I15-I21","v":330.59184631000005},{"$f":"J15-J21","v":430.64580626999998},{"$f":"K15-K21","v":446.86685129},{"$f":"L15-L21","v":487.79945059999994}]
[null,"NIM on average assets",2.0600103559544593E-2,2.2146419115178746E-2,1.6989288277305222E-2,1.6587115223003476E-2,1.4513780822707293E-2,1.5170293643069429E-2,1.6086041285755897E-2,2.1971872672315748E-2,2.402130891999836E-2,2.5730816441364001E-2]
[null,"NIM on average interest earning assets",2.4808950874218812E-2,2.675988953565708E-2,2.0419920804521263E-2,1.9645001410429269E-2,1.7153968416720802E-2,1.8113635426630716E-2,1.9183351465404737E-2,2.6179850778978331E-2,2.8953056164747321E-2,3.1338402508389207E-2]
[]
[null,"*Interest earning assets are total assets excluding equity and mutual fund financial assets, participations, goodwill and intangibles, fixed assets, deferred tax assets and discontinued"]

{"sheet":"NFI","index":7,"n_rows":25,"n_cols":13,"rows_kept":25,"cut":false,"hidden":false,"merged":[[4,1,4,12],[9,1,11,1],[12,1,14,1],[15,1,20,1],[24,1,24,12]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"NET FEE INCOME"]
[]
[]
[]
[null,"(million €)",null,"Q1 2021","Q2 2021","Q3 2021","Q4 2021","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023"]
[null,"Financing","Loans",10.101461810000002,21.437862629999991,11.092055152320743,20.940193070000007,18.747057389999995,25.912012440000005,19.657180610000001,23.168867169999999,20.966668500000001,30.556121590000004]
[null,null,"Letters of Guarantee",8.1545305500000023,8.0704555100000022,9.2617996300000041,8.9469528699999952,8.6378586199999994,9.6216372799999998,9.8943955099999989,11.204075929999998,11.111915479999999,11.301658049999993]
[null,null,"Investment Banking",1.7999999999999999E-2,3.5457431699999997,7.1820240000000002,6.0057218299999997,2.4410745700000005,1.44E-2,3.5766958299999998,1.8257788699999999,0.26500000000000001,0.12077125000000001]
[null,"Investment","Bancassurance",9.7247567599999964,10.81999134,9.888113247679156,13.97983342,10.19825264,11.5088355,11.543977340000001,13.023488169999997,11.249653819999995,11.652913560000009]
[null,null,"Asset Management",4.3171142499999977,4.9359209400000026,5.3433118876799277,6.4583142400000018,6.9446891700000002,5.6101494800000014,6.0930804800000002,6.6170355399999998,7.3991201240846483,8.6718071559153618]
[null,null,"Brokerage",4.0243207616666625,4.250889287000005,4.7242217589881008,4.2064102505454546,5.1470755999999991,3.88239264,4.16664089,3.5176728299999995,4.7348641299999983,5.4350627300000047]
[null,"Transactional","Funds Transfer",15.397862639999969,16.95599052999998,19.147421840000028,20.134486680000023,18.480498999999988,21.488274590000021,22.47452383000001,23.653770660000013,21.251055369999989,23.764253470000032]
[null,null,"Cards",11.857543499999998,15.966628700000005,15.310525759599994,14.855870424001351,13.539691280000003,7.2992874399999961,7.9016765800000002,5.8349281299999936,10.43776474,9.3437632799999939]
[null,null,"o/w acquiring",7.490310769999998,9.1591755400000086,11.095469030000002,10.953438180000001,7.0227117500000009,-0.59334710000000002,-0.10188483999999999,-0.67009458999999993,0,0]
[null,null,"Payments",5.9889755800000053,5.3783352900000034,5.5401754099999954,6.2457102199999905,6.59795336,6.6544690200000023,6.2690952699999993,4.2800840299999994,5.6931923900000108,6.2409262399999825]
[null,null,"FX Fees",2.7011645599999996,4.9493964000000013,6.6431848100000046,8.3993595200000009,6.1154870599999995,8.5374561599999979,10.06072981,9.3668429,7.1370408999999979,7.6781423000000011]
[null,null,"Other",3.9080055900000246,4.5852042999999973,7.6722004003999835,2.9069702000000111,3.897188589999999,4.6901889999999957,6.0460764600000001,4.8469875199999981,4.4449892100000055,5.7185073800000046]
[null,"Rental and Other Income",null,6.2146386199999997,8.8416043300000009,11.015242742574257,13.60615482,11.994999999999999,15.875,17.513000000000002,18.486999999999998,16.956,20.922000000000001]
[null,"Total",null,{"$f":"SUM(D10:D17)+D19+D20+D21+D22","v":82.408374621666667},{"$f":"SUM(E10:E17)+E19+E20+E21+E22","v":109.73802242699999},{"$f":"SUM(F10:F17)+F19+F20+F21+F22","v":112.82027663924219},{"$f":"SUM(G10:G17)+G19+G20+G21+G22","v":126.68597754454684},{"$f":"SUM(H10:H17)+H19+H20+H21+H22","v":112.74182727999998},{"$f":"SUM(I10:I17)+SUM(I19:I22)","v":121.09410355000003},{"$f":"SUM(J10:J17)+SUM(J19:J22)","v":125.19707261000001},{"$f":"SUM(K10:K17)+SUM(K19:K22)","v":125.82653175000002},{"$f":"SUM(L10:L17)+SUM(L19:L22)","v":121.64726466408466},{"$f":"SUM(M10:M17)+SUM(M19:M22)","v":141.40592700591537}]
[]
[null,"*As of Q1.21 restatements have been made to reflect the reclassification of fees paid to card services provider, which were previously included within general expenses to net fee income as an expense;\n  as of Q1.22 restatements have been made due to the integration of Wealth & Asset management segment"]

{"sheet":"G&A","index":8,"n_rows":21,"n_cols":12,"rows_kept":21,"cut":false,"hidden":false,"merged":[[4,1,4,11],[19,1,19,12],[20,1,20,8]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"G&A COSTS"]
[]
[]
[]
[null,"(million €)","Q1 2021","Q2 2021","Q3 2021","Q4 2021","Q1 2022","Q2 2022","Q3 2022","Q4 2022","Q1 2023","Q2 2023"]
[null,"Rents - maintenance",8.0029406700000028,8.6948270900000004,7.5117120800000041,9.8490140099999941,9.1491827900000011,8.9277500299999968,9.1058882199999971,8.7774162600000007,8.0531509700000008,7.6713768600000005]
[null,"IT - telco",10.167641020728315,12.833815877337868,12.708129948446237,5.7052206574286126,12.23865148689897,7.0013185064323906,10.427544325253043,2.1857145914156173,8.4105638899999988,8.7321245800000007]
[null,"Legal - Business services",8.9708021099999993,0.90708578000000273,4.2746914752457865,11.531723584754204,1.4526504999999998,4.7193650199999997,6.7336891099999994,3.9512580700000024,2.4969789900000006,4.6966844500000002]
[null,"Marketing - subscriptions",7.1288422299999992,8.4087014500000024,6.8763836799999991,7.656120569999997,5.6960382899999997,6.8272304900000025,5.617365559999997,7.3490312100000024,5.5108601699999999,6.3258532700000023]
[null,"Taxes",13.422657309968001,17.219073886303999,16.401101354178401,18.270916055549602,15.944120112365024,16.34322740811162,13.387627021738986,13.785119617784353,20.148815599999999,17.595336230000001]
[null,"DGS - SRF",10.877537909999999,11.587058059999999,12.717719359999997,13.036262280000003,12.423029509999999,14.65350771,16.840640090000001,14.821558710000005,11.79499994,6.2131720600000016]
[null,"Other**",13.127426420000001,17.396797089999996,31.998736390000015,31.382585169999999,17.186469950000003,18.078523340000004,19.585991219999997,26.525910279999991,16.1404703,17.173024129999995]
[null,"Subsidiaries",15.66891403,11.424382914000009,4.8637167680157489,6.5194746219842443,7.2288894100000105,10.601059809999992,3.4865600999999913,6.4866712500000148,10.601301599999999,10.020759660000005]
[null,"Total",{"$f":"SUM(C10:C17)","v":87.366761700696316},{"$f":"SUM(D10:D17)","v":88.471742147641876},{"$f":"SUM(E10:E17)","v":97.35219105588618},103.95131694971666,{"$f":"SUM(G10:G17)","v":81.31903204926401},87.151982314544014,85.18530564699202,83.882679989199985,83.157141460000005,78.428331240000006]
[]
[null,"*As of Q1.21 restatements have been made to reflect the reclassification of fees paid to card services provider, which were previously included within general expenses to net fee income as an expense"]
[null,"** Other includes Net gain/(losses) from sale of property and equipment and intangible assets"]

{"sheet":"PL Segment view","index":9,"n_rows":31,"n_cols":11,"rows_kept":31,"cut":false,"hidden":false,"merged":[[4,1,4,10],[30,1,30,10]]}
[]
[null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"P&L SEGMENT VIEW H1.23"]
[]
[]
[]
[null,"(million €)","Retail","Corporate & IB","Financial markets","Other","CORE TOTAL",null,"NPEMU",null,"GROUP"]
[null,"Net interest income",434.13384413082815,298.00128243968879,171.79232793957203,39.704293876101602,943.63174838619057,null,-8.9654463861906528,null,934.66630199999997]
[null,"Net fee and commission income ",118.41750163,91.481160419999995,4.92697568,7.1288815100000065,221.95451924,null,3.2206657599999997,null,225.175185]
[null,"Rental and non-banking activities income",0,0,0,35.226291259999996,35.226291259999996,null,2.6518171499999998,null,37.878108410000003]
[null,"Trading & Other Income",0.75671868000000009,0.64576555000000013,16.267000849999999,4.9007028700000026,22.570187949999998,null,18.475803050000003,null,41.045991000000001]
[null,"Net Revenues",553.30806444082805,390.1282084096888,192.98630446957202,86.960169516101615,1223.3827468361906,null,15.382839573809349,null,1238.76558641]
[null,"Operating Cost",-206.79081819999999,-94.325801299999995,-21.87512748,-55.111684089999976,-378.10343106999994,null,-23.758471929999999,null,-401.86190299999998]
[null,"Pre Provision Income (PPI)",346.51724624082806,295.80240710968877,171.11117698957204,31.848485426101629,845.27931576619062,null,-8.3756323561906516,null,836.9036834100001]
[null,"Loan Impairment",-8.5273591999999976,-70.253790809999984,-6.459760000000001E-3,-24.18678165,-102.97439142,null,-73.877885570000018,null,-176.85227699000004]
[null,"Other Impairment",0.91429989,-1.2147203799999999,-5.4482779600000004,-12.869969369999989,-18.618667819999995,null,-23.89034818,null,-42.509015999999988]
[null,"Associates Income",0,0,0,-2.8223979399999997,-2.8223979399999997,null,-19.664202469999999,null,-22.486600409999998]
[null,"Profit Before Tax",338.90418693082808,224.33389591968879,165.65643926957202,-8.030663533898359,720.86385858619064,null,-125.80806857619068,null,595.05579001000001]
[]
[null,"Assets",12020.921463739989,20816.29117484999,27913.909976499999,6973.0903523602892,67724.212967450279,null,9258.4030325500298,null,76982.6160000003]
[]
[null,"NIM over Assets",7.2229711414445757E-2,2.8631544393434561E-2,1.230872551242012E-2,1.1387861584974955E-2,2.7866894483948315E-2,null,-1.9367155123125616E-3,null,2.4282528980308915E-2]
[null,"NFI and Rental Income over Assets",1.9701900887913723E-2,8.7893813217338641E-3,3.5301222108603873E-4,1.2148178391425374E-2,7.5949442372584431E-3,null,1.2685736167142314E-3,null,6.8340959836958245E-3]
[null,"Cost to Core Income",0.37424724378376489,0.24218242190182859,0.12378459529860486,0.6716066572511431,0.31487298185880769,null,"n.m.",null,0.33552252508855024]
[null,"PPI over Assets",5.7652360060094505E-2,2.8420279542118811E-2,1.2259921819166582E-2,9.1346831366730767E-3,2.4962396127732045E-2,null,-1.8093038997641826E-3,null,2.174266677063811E-2]
[null,"Cost of Risk",1.9111609796566452E-3,7.4180244994893358E-3,2.4768154055212801E-5,0.27178372731952233,7.2098987411390678E-3,null,2.0501478261560572E-2,null,9.8878028095031861E-3]
[null,"Pre-tax RoA",5.6385725163100281E-2,2.1553685431795505E-2,1.1869096046310524E-2,-2.3033298374457735E-3,2.128821663627611E-2,null,-2.7177055942344201E-2,null,1.5459484775367927E-2]
[]
[null,"Note: Profit before tax illustrated on the table excludes cards merchant acquiring business consideration and non-recurring operating costs"]

{"sheet":"Performing Loans","index":10,"n_rows":33,"n_cols":9,"rows_kept":33,"cut":false,"hidden":false,"merged":[[4,1,4,8]]}
[]
[null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"PERFORMING LOANS"]
[]
[]
[]
[null,null,"2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Segments"]
[null,"Corporate Lending",17561.116762470014,17905.000095090007,19098.747220669567,19984.738742453286,20514.445660423495,20383.713875636407,21105.375983716935]
[null,"     >> Large Corporate",7692.0546794400134,7922.1791230200042,8464.0991213295674,9077.2356765832919,9342.9806932934898,9281.8161640464004,9745.6582291369305]
[null,"     >> SME",5889.3363543900014,6069.6412972400021,6349.4944474100021,6377.9192389699929,6772.1234731200057,6694.1187481200059,6832.391938460004]
[null,"     >> Shipping",2061.0925587400002,2043.2340201699999,2247.9220863999999,2510.7680648400001,2344.9555170499998,2407.4997594500005,2344.1885000699999]
[null,"     >> SB",1918.6331698999995,1869.9456546600006,2037.2315655299994,2018.8157620600007,2054.3859769600008,2000.2792040200002,2183.1373160499993]
[null,"Retail Lending",{"$f":"+C17+C18","v":8394.9821728500447},8348.7451683199743,8357.1500721099819,8298.8869475100037,8119.1589698599137,{"$f":"+H17+H18","v":7964.6417155700037},7882.2077686799548]
[null,"    >>Mortgage loans",6701.6204208400577,6668.1140921099886,6632.0461390599839,6575.1606455600113,6490.8475559799444,6359.2653837400221,6261.5478573899682]
[null,"   >>Consumer loans & credit cards",1693.3617520099865,1680.6310762099856,1725.1039330499984,1723.7263019499921,1628.311413879969,1605.3763318299812,1620.6599112899867]
[null,"Senior notes",6236,6182,6131.1678308704404,6108.7819081267126,6074.4239423764802,6034.0444514236096,5951.678018693071]
[null,"Total",{"$f":"+C11+C16+C19","v":32192.098935320057},32435.745263409983,33587.065123649991,34392.407598090002,34708.028572659889,{"$f":"+H11+H16+H19","v":34382.400042630019},34939.261771089958]
[]
[null,"Industry"]
[null,"Manufacturing",2879,3044,3276,3393,3487,3326,3347]
[null,"Hospitality",1711,1774,1789,1927,2083,2116,2265]
[null,"Energy",1590,1572,1751,1863,1978,1992,2109]
[null,"Trade (Retail & Wholesale)",1923,1955,2089,2065,2188,2210,2413]
[null,"Construction & Real Estate",1283,1282,1371,1713,1862,1921,1954]
[null,"Transportation (incl Shipping)",2827,2796,2974,3228,3112,3247,3179]
[null,"Other",3429,3612,3812,3777,3750,3571.4346716164073,3655.2386676669339]
[null,"Total CIB",{"$f":"SUM(C23:C29)","v":15642},16035,17062,17966,18460,{"$f":"SUM(H23:H29)","v":18383.434671616407},{"$f":"SUM(I23:I29)","v":18922.238667666934}]
[]
[]
[null,"Note: Corporate lending excludes seasonal OPEKEPE loan of €1,474mn for Dec.21 & €1,517mn for Dec.22"]

{"sheet":"Loan Portfolio Quality","index":11,"n_rows":78,"n_cols":12,"rows_kept":78,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"LOAN PORTFOLIO QUALITY"]
[]
[]
[]
[null,"CONSOLIDATED LOAN PORTFOLIO QUALITY","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Gross Loans"]
[null,"1. Loans to Businesses",30656.991687549966,26605.545045730003,26340.611622499997,27918.333837000009,28061.088986570005,28043.942650490008,28792.26117365,28557.665536989974,28191.743425110013,28717.459791850004]
[null,"     o/w Senior notes",null,2489.667496,4959.0380000000005,6236,6182,6131.1678308704404,6108.7819081267126,6074.4239423764802,6034.0444514236096,5951.678018693071]
[null,"2. OPEKEPE (seasonal loan to farmers)",0,0,0,1474,0,0,0,1517.3255670000001,0,0]
[null,"3. Mortgage loans",13301.92886390994,7697.3222577499009,7248.5507194500606,7195.1704439800578,7114.9188832399896,6984.9177105599838,6945.0078594100114,6879.6432926499447,6756.681081040022,6518.5449787499683]
[null,"4. Consumer loans ",4007.0230331999996,2459.1639195999692,2195.9913998799839,1993.6316238499862,1981.4769415699855,1983.9500897699984,1986.4302856499921,1895.0359720999691,1875.528453499981,1751.8366322199865]
[null,"5. Loans to Individuals",{"$f":"C14+C15","v":17308.951897109939},{"$f":"D14+D15","v":10156.486177349871},{"$f":"E14+E15","v":9444.5421193300444},{"$f":"F14+F15","v":9188.8020678300436},{"$f":"G14+G15","v":9096.3958248099752},{"$f":"H15+H14","v":8968.8678003299829},{"$f":"I14+I15","v":8931.4381450600031},{"$f":"J14+J15","v":8774.6792647499133},{"$f":"K14+K15","v":8632.209534540003},{"$f":"L14+L15","v":8270.3816109699546}]
[null,"6. Total Gross Loans to Customers",{"$f":"C11+C16","v":47965.943584659908},{"$f":"D11+D16","v":36762.031223079874},{"$f":"E11+E16","v":35785.153741830043},{"$f":"F11+F13+F16","v":38581.135904830051},{"$f":"G11+G16","v":37157.484811379982},{"$f":"H11+H16","v":37012.81045081999},{"$f":"I11+I16","v":37723.699318710002},{"$f":"J11+J13+J16","v":38849.670368739884},{"$f":"K11+K13+K16","v":36823.952959650014},{"$f":"L11+L13+L16","v":36987.841402819962}]
[null,null,null,null,"                     "]
[null,"Loans in Arrears > 90 days"]
[null,"1. Loans to Businesses",10857.50231801,4882.4594959599981,3492.2410965800009,2900.7016799564103,2884.7019356400069,1783.5284245700002,1737.2395137399999,1329.46592289,1180.5564713599993,985.02013212999987]
[null,"2. Mortgage loans",4662.5293504199999,341.44796761999999,183.54695769,195.97218848999998,214.03616097999998,174.78648602000004,203.64543909,227.50133473000002,263.39582256999995,130.56384055999999]
[null,"3. Consumer loans ",1998.5913036400002,577.68719177999958,358.08948777999984,218.84581636000007,232.34945528000014,204.92860217,212.29177344999999,214.9766817299998,224.59155294000024,93.775955620000033]
[null,"4. Loans to Individuals",{"$f":"C21+C22","v":6661.1206540599997},{"$f":"D21+D22","v":919.13515939999957},{"$f":"E22+E21","v":541.6364454699999},{"$f":"F21+F22","v":414.81800485000008},446.38561626000012,379.71508819000007,415.93721254000002,442.47801645999982,{"$f":"K21+K22","v":487.98737551000022},224.33979618000001]
[null,"5. Total Loans in arrears",{"$f":"C20+C23","v":17518.622972069999},5801.5946553599979,4033.8775420500006,3315.5196848064106,3331.0875519000069,2163.2435127600002,2153.1767262799999,{"$f":"J20+J23","v":1771.9439393499997},{"$f":"K20+K23","v":1668.5438468699995},1209.3599283099998]
[]
[null,"NPEs"]
[null,"1. Loans to Businesses",14206.919936439999,7445.6899899599985,5019.8212674499982,4121.2170745299964,3974.0888914799993,2814.027598950001,2698.7405230700001,1968.7959341899998,1773.9850980499994,1660.4057894400009]
[null,"2. Mortgage loans",5755.1823477599964,854.71663320000005,521.13542957000027,493.55002313999972,446.80479113000007,352.87157150000002,369.84721385,388.79573667,397.41569729999986,256.99712136000011]
[null,"3. Consumer loans ",2192.7921641899984,707.3583791500007,444.56235548000006,300.26987183999972,300.84586535999995,258.8461567199999,262.70398369999992,266.72455822000006,270.15212166999987,131.17672092999976]
[null,"4. Loans to Individuals",{"$f":"C28+C29","v":7947.9745119499948},{"$f":"D28+D29","v":1562.0750123500006},{"$f":"E28+E29","v":965.69778505000033},{"$f":"+F28+F29","v":793.81989497999939},{"$f":"G28+G29","v":747.65065649000007},611.71772821999991,632.55119754999987,655.52029489000006,667.56781896999973,388.17384228999987]
[null,"5. Total Loans in arrears",{"$f":"C27+C30","v":22154.894448389994},9007.7650023099995,5985.5190524999989,4915.0369695099962,4721.739547969999,3425.745327170001,3331.29172062,{"$f":"J27+J30","v":2624.3162290800001},{"$f":"K27+K30","v":2441.5529170199989},2048.579631730001]
[]
[]
[]
[null,"LLRs"]
[null,"1. Loans to Businesses",6764.07388249,2858.06169851,1875.6972491399999,1687.6138835700001,1762.514131014563,1273.9698686300001,1338.1540279739479,1131.6451049063865,1059.972212671262,1000.017739251538]
[null,"2. Mortgage loans",2101.7480691800001,126.62905477,70.64527133,72.462015089999994,81.753611200000009,80.594922580000002,83.60878763829318,86.436325317913628,89.259121989929753,47.792738938082771]
[null,"3. Consumer loans ",1618.7596660499999,514.85013379999998,372.53253017000003,222.87565173000002,236.25888628000001,212.90668455000005,208.90147599533915,213.38569343117175,210.50448347320943,116.17888437747696]
[null,"4. Loans to Individuals",3720.50773523,641.47918857000002,443.17780150000004,295.33766681999998,318.01249748000004,293.50160713000002,292.51026363363235,299.82201874908537,299.76360546313919,163.97162331555973]
[null,"5. Total Loans to Customers",{"$f":"C36+C39","v":10484.581617719999},{"$f":"D36+D39","v":3499.5408870800002},2318.8750506400002,1982.9515503900002,{"$f":"G36+G39","v":2080.5266284945628},{"$f":"H36+H39","v":1567.47147576},{"$f":"I36+I39","v":1630.6642916075803},{"$f":"J36+J39","v":1431.4671236554718},{"$f":"K36+K39","v":1359.7358181344011},{"$f":"L36+L39","v":1163.9893625670977}]
[]
[null,"Loans in Arrears > 90 days / gross loans"]
[null,"1. Loans to Businesses",{"$f":"+C20/C11","v":0.35416072224788164},0.18351285371406428,0.13258010659087918,{"$f":"+F20/(F11+F13)","v":9.8689055998163522E-2},{"$f":"+G20/G11","v":0.10280078356975458},{"$f":"+H20/H11","v":6.3597634854628285E-2},{"$f":"+I20/I11","v":6.0337029567163018E-2},{"$f":"+J20/(J11+J13)","v":4.4205031293047432E-2},{"$f":"+K20/(K11+K13)","v":4.1875965368941788E-2},{"$f":"+L20/(L11+L13)","v":3.4300392140169306E-2}]
[null,"2. Mortgage loans",{"$f":"+C21/C14","v":0.35051528226632739},4.4359318239043412E-2,2.5321883614263446E-2,{"$f":"+F21/F14","v":2.723662907165221E-2},{"$f":"+G21/G14","v":3.0082726801592467E-2},{"$f":"+H21/H14","v":2.5023413769893553E-2},{"$f":"+I21/I14","v":2.932256423786106E-2},{"$f":"+J21/J14","v":3.3068768982987433E-2},{"$f":"+K21/K14","v":3.898301835040241E-2},{"$f":"+L21/L14","v":2.0029598780959494E-2}]
[null,"3. Consumer loans ",{"$f":"+C22/C15","v":0.49877210265096222},0.23491203135168462,0.16306506837848742,{"$f":"+F22/F15","v":0.10977244428806646},{"$f":"+G22/G15","v":0.11726074142245757},{"$f":"+H22/H15","v":0.10329322457590534},{"$f":"+I22/I15","v":0.10687099113600892},{"$f":"+J22/J15","v":0.11344200579568688},{"$f":"+K22/K15","v":0.11974841145218729},{"$f":"+L22/L15","v":5.3530080314146633E-2}]
[null,"4. Loans to Individuals",{"$f":"+C23/C16","v":0.38483674191573675},9.0497357388205427E-2,5.7349148177489546E-2,{"$f":"+F23/F16","v":4.5143861167961832E-2},{"$f":"+G23/G16","v":4.9072800354894974E-2},{"$f":"+H23/H16","v":4.2337014731784715E-2},{"$f":"+I23/I16","v":4.6570015464984856E-2},{"$f":"+J23/J16","v":5.0426688327805322E-2},{"$f":"+K23/K16","v":5.6530992853848085E-2},{"$f":"+L23/L16","v":2.7125688599717385E-2}]
[null,"5. Total Loans to Customers",{"$f":"+C24/(C17)","v":0.365230446079928},0.15781485577210574,0.11272489063906727,{"$f":"+F24/(F17)","v":8.5936290030054138E-2},8.9647821127005242E-2,5.8445805287722356E-2,5.7077560397478799E-2,4.5610269598986918E-2,{"$f":"+K24/(K17)","v":4.5311372429198804E-2},{"$f":"+L24/(L17)","v":3.2696147772975956E-2}]
[]
[null,"NPEs / gross loans"]
[null,"1. Loans to Businesses",{"$f":"+C27/C11","v":0.46341533054626283},{"$f":"+D27/(D11)","v":0.27985481887938157},{"$f":"+E27/(E11)","v":0.19057345134545381},{"$f":"+F27/(F11+F13)","v":0.14021401285739604},0.14162276073398264,0.10034350854375435,9.3731454670876069E-2,6.5462893318322696E-2,{"$f":"+K27/(K11+K13)","v":6.2925696765171832E-2},{"$f":"+L27/(L11+L13)","v":5.7818685965783892E-2}]
[null,"2. Mortgage loans",{"$f":"+C28/C14","v":0.43265773006609892},0.11104077555534914,7.1895120795890388E-2,{"$f":"+F28/F14","v":6.8594625656565988E-2},{"$f":"+G28/G14","v":6.2798297276796811E-2},{"$f":"+H28/H14","v":5.0519073541341712E-2},{"$f":"+I28/I14","v":5.3253678230022777E-2},{"$f":"+J28/J14","v":5.6513938314996737E-2},{"$f":"+K28/K14","v":5.8818181964395401E-2},3.9425534716381334E-2]
[null,"3. Consumer loans ",{"$f":"+C29/C15","v":0.54723722474807923},0.28764181741291417,0.20244266689946802,{"$f":"+F29/F15","v":0.15061452088131302},{"$f":"+G29/G15","v":0.15182910234707575},{"$f":"+H29/H15","v":0.13047009501635609},{"$f":"+I29/I15","v":0.1322492843558509},{"$f":"+J29/J15","v":0.1407490739737417},{"$f":"+K29/K15","v":0.14404053490410168},7.4879539859700375E-2]
[null,"4. Loans to Individuals",{"$f":"+C30/C16","v":0.4591828875136606},0.15380073236683048,0.10224929624417863,{"$f":"+F30/F16","v":8.6389922116089479E-2},{"$f":"+G30/G16","v":8.2191966014805495E-2},{"$f":"+H30/H16","v":6.8204565151188154E-2},{"$f":"+I30/I16","v":7.0822994827531252E-2},{"$f":"+J30/J16","v":7.4705898086029135E-2},{"$f":"+K30/K16","v":7.7334524411028838E-2},4.6935420945403587E-2]
[null,"5. Total Loans to Customers",{"$f":"+C31/(C17)","v":0.46188801455112827},0.24502903410448007,0.16726263342843756,{"$f":"+F31/(F17)","v":0.12739482273497998},{"$f":"+G31/(G17)","v":0.12707371265678086},{"$f":"+H31/(H17)","v":9.2555666144884877E-2},{"$f":"+I31/(I17)","v":8.8307662842805112E-2},{"$f":"+J31/(J17)","v":6.7550540433713377E-2},{"$f":"+K31/(K17)","v":6.630339007046146E-2},5.5385217250710307E-2]
[]
[null,"LLRs / gross loans"]
[null,"1. Loans to Businesses",{"$f":"+C36/C11","v":0.22063723510212976},0.10742353496602011,7.1209327863055019E-2,{"$f":"+F36/(F11+F13)","v":5.7416804426927738E-2},{"$f":"+G36/G11","v":6.2809897786151481E-2},{"$f":"+H36/H11","v":4.5427630647637919E-2},{"$f":"+I36/I11","v":4.6476170103603914E-2},{"$f":"+J36/(J11+J13)","v":3.7627446039585156E-2},{"$f":"+K36/(K11+K13)","v":3.7598675494725127E-2},{"$f":"+L36/(L11+L13)","v":3.4822639136604362E-2}]
[null,"2. Mortgage loans",{"$f":"+C37/C14","v":0.15800325581971403},1.645105278559774E-2,9.7461236134331383E-3,{"$f":"+F37/F14","v":1.0070924053039824E-2},{"$f":"+G37/G14","v":1.1490448807867655E-2},{"$f":"+H37/H14","v":1.1538421198313397E-2},{"$f":"+I37/I14","v":1.203868869997159E-2},{"$f":"+J37/J14","v":1.2564070786963656E-2},{"$f":"+K37/K14","v":1.3210498012167617E-2},7.3318108709664476E-3]
[null,"3. Consumer loans ",{"$f":"+C38/C15","v":0.40398062417855929},0.20935982741799106,0.16964207154470634,{"$f":"+F38/F15","v":0.11179379834454845},{"$f":"+G38/G15","v":0.11923372981206877},{"$f":"+H38/H15","v":0.10731453661451865},{"$f":"+I38/I15","v":0.10516426249863746},{"$f":"+J38/J15","v":0.11260245007101902},{"$f":"+K38/K15","v":0.11223742464710711},6.6318332566348476E-2]
[null,"4. Loans to Individuals",{"$f":"+C39/C16","v":0.21494702610221073},6.3159559060944934E-2,4.6924223101610478E-2,{"$f":"+F39/F16","v":3.2141041306567683E-2},{"$f":"+G39/G16","v":3.4960274773074021E-2},{"$f":"+H39/H16","v":3.2724488047332072E-2},{"$f":"+I39/I16","v":3.2750634207260383E-2},{"$f":"+J39/J16","v":3.4169000336404957E-2},{"$f":"+K39/K16","v":3.4726173439569213E-2},1.982636727404034E-2]
[null,"5. Total Loans to Customers",{"$f":"+C40/C17","v":0.21858387085025668},{"$f":"+D40/D17","v":9.5194437593614914E-2},6.4799918630206038E-2,5.1396919864709074E-2,5.5992127536505738E-2,4.2349431363574656E-2,{"$f":"+I40/I17","v":4.3226521286548691E-2},{"$f":"+J40/J17","v":3.6846313239437212E-2},{"$f":"+K40/K17","v":3.6925308361770305E-2},{"$f":"+L40/L17","v":3.1469513181116723E-2}]
[]
[null,"LLRs / NPLs"]
[null,"1. Loans to Businesses",{"$f":"+C36/C20","v":0.62298617899164699},0.58537335555469727,0.53710416814489004,0.58179505160122513,{"$f":"+G36/G20","v":0.61098656649375016},{"$f":"+H36/H20","v":0.71429748529920278},{"$f":"+I36/I20","v":0.77027607154359246},{"$f":"+J36/J20","v":0.85120279160402279},{"$f":"+K36/K20","v":0.89785811893451872},{"$f":"+L36/L20","v":1.0152256858843154}]
[null,"2. Mortgage loans",{"$f":"+C37/C21","v":0.45077422815379703},0.37085900862917548,0.38488936138792179,0.36975662540859755,{"$f":"+G37/G21","v":0.38196167799720182},{"$f":"+H37/H21","v":0.46110499967816665},{"$f":"+I37/I21","v":0.41056057043017169},{"$f":"+J37/J21","v":0.3799376624339228},{"$f":"+K37/K21","v":0.33887827498178447},0.36604881361558789]
[null,"3. Consumer loans ",{"$f":"+C38/C22","v":0.80995032005882373},0.89122649961065814,1.0403336118006168,1.0184140388746152,{"$f":"+G38/G22","v":1.0168256516688996},{"$f":"+H38/H22","v":1.0389310340065745},{"$f":"+I38/I22","v":0.98403001020923053},{"$f":"+J38/J22","v":0.99259925176058739},{"$f":"+K38/K22","v":0.93727693992768202},1.2388984320059433]
[null,"4. Loans to Individuals",{"$f":"+C39/C23","v":0.55854081144173906},0.69791605947132951,0.81822005370306405,0.71196925728138372,{"$f":"+G39/G23","v":0.71241654277402089},{"$f":"+H39/H23","v":0.77295218509499697},{"$f":"+I39/I23","v":0.70325581557697747},{"$f":"+J39/J23","v":0.67759754743926226},{"$f":"+K39/K23","v":0.61428557480581014},0.73090742751676741]
[null,"5. Total Loans to Customers",{"$f":"+C40/C24","v":0.59848206302719131},0.60320327340463742,0.57485013525263262,0.59808167011555002,{"$f":"+G40/G24","v":0.62457878878261808},{"$f":"+H40/H24","v":0.7245931706320583},{"$f":"+I40/I24","v":0.75732951768657009},{"$f":"+J40/J24","v":0.80785124848846823},{"$f":"+K40/K24","v":0.81492363577086246},0.96248381918333903]
[]
[null,"LLRs / NPEs"]
[null,"1. Loans to Businesses",{"$f":"+C36/C27","v":0.47611121289847685},0.38385451212230159,0.37365817410722851,{"$f":"+F36/F27","v":0.40949405310383069},{"$f":"+G36/G27","v":0.44350143621427179},{"$f":"+H36/H27","v":0.4527211705760657},{"$f":"+I36/I27","v":0.49584390071399198},{"$f":"+J36/J27","v":0.57479045199875778},{"$f":"+K36/K27","v":0.59750908496153954},0.60227309830617393]
[null,"2. Mortgage loans",{"$f":"+C37/C28","v":0.36519226362967144},0.14815325904669663,0.13556029262545224,0.14681797526619814,{"$f":"+G37/G28","v":0.18297389111079024},{"$f":"+H37/H28","v":0.22839732381218475},{"$f":"+I37/I28","v":0.22606304578571906},{"$f":"+J37/J28","v":0.22231808933460245},{"$f":"+K37/K28","v":0.22459888372891854},0.185966047733021]
[null,"3. Consumer loans ",{"$f":"+C38/C29","v":0.73821846524518109},0.72784906346719347,0.8379758780245159,0.74225113017252831,{"$f":"+G38/G29","v":0.7853153839999979},{"$f":"+H38/H29","v":0.8225221005707507},{"$f":"+I38/I29","v":0.79519721419184253},{"$f":"+J38/J29","v":0.80002267078521772},{"$f":"+K38/K29","v":0.77920721914724744},0.88566693506139604]
[null,"4. Loans to Individuals",{"$f":"+C39/C30","v":0.46810765807516314},0.41065837651736875,0.45891976595664852,0.37204618917675419,{"$f":"+G39/G30","v":0.42534905135103496},{"$f":"+H39/H30","v":0.47979908639241575},{"$f":"+I39/I30","v":0.46242938874605632},{"$f":"+J39/J30","v":0.45738022313923504},{"$f":"+K39/K30","v":0.44903843017125794},0.42241801340405249]
[null,"5. Total Loans to Customers",{"$f":"+C40/C31","v":0.47323997151708019},0.38850268475948907,0.38741419587854542,{"$f":"+F40/F31","v":0.4034459074654102},0.44062714754968568,0.45755633477135438,0.4894990977566176,0.54546289345522114,{"$f":"+K40/K31","v":0.55691433458423933},0.56819336897542161]
[]
[]
[null,"* Gross loans, NPEs & NPLs include loans and advances to customers fair valued through P&L. LLRs include ECL allowance for impairment losses on loans and advances to customers mandatorily measured at FVTPL"]

{"sheet":"IFRS9 Stages","index":12,"n_rows":45,"n_cols":12,"rows_kept":45,"cut":false,"hidden":false,"merged":[[4,1,4,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"IFRS9 STAGES"]
[]
[]
[]
[null,"LOAN BOOK EXPOSURE","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Corporate and Public loans",30574.867193419999,26483.12976639,26260.78426991,29303.281210160003,27969.930113500002,27955.28298887,28703.22038631,30012.87820101,28129.292289959998,28654.617957729999]
[null,"Stage 1",13658.869961320001,16487.228973649999,18552.00443778,22201.707126990001,21010.985513720003,22625.14255095,23610.51993015,26169.175918290002,24426.348223639998,25064.457715209999]
[null,"Stage 2",2549.9567539999998,2377.7196176900002,2579.1212082400002,2855.1322900100004,2844.3308835600001,2398.0107179699999,2281.2837903099999,1756.8015337899999,1814.3409599000001,1817.3229582000001]
[null,"Stage 3 & POCI",14366.040478090001,7618.1811750500001,5129.6586238899999,4246.4417931600001,4114.6137162200002,2932.12971995,2811.4166658499998,2086.9007489300002,1888.6031064200001,1772.83728432]
[null,"Mortgages ",13301.64005973,7697.0326199499996,7248.3474055199995,7194.9672382700001,7114.7161194300006,6984.7145553099999,6944.8073204000002,6879.4438452100003,6756.4819082599997,6518.34613446]
[null,"Stage 1",5107.9546250800004,4991.0852001599997,4764.5283670099998,4646.7009396700005,4484.1047358000005,4424.6464673700002,4515.0083898900002,4551.4195924800006,4494.7538112299999,4455.5179153199997]
[null,"Stage 2",2105.2478625200001,1592.2885055900001,1716.31916761,1803.2484260699998,1922.78016357,1944.7143063399999,1798.8688525799998,1677.2194352500001,1600.5626412199999,1544.21900231]
[null,"Stage 3 & POCI",6088.4375721399992,1113.6589142,767.49987090000002,745.01787252999998,707.83122005999996,615.35378160000005,630.93007793000004,650.80481748,661.16545580999991,518.60921683000004]
[null,"Consumer loans/Credit cards",4007.02303295,2459.1639197099998,2195.99140003,1993.6316240800002,1981.47694159,1983.9500895000001,1986.43028542,1895.03597225,1875.52845314,1751.83663368]
[null,"Stage 1",1217.3243974899999,1261.0856666899999,1163.3394059100001,1158.9649979000001,1153.8507397000001,1204.8619434700001,1263.9516938700001,1211.5374633700001,1207.80175927,1243.88013501]
[null,"Stage 2",510.73894987,416.08600801,518.67961664999996,467.39470384000003,461.70227822999999,456.22418359,397.68186606999996,362.67253324000001,344.71123091999999,325.81061890000001]
[null,"Stage 3 & POCI",2278.9596856000003,781.99224599000001,513.97237747000008,367.27192234,365.92392366000001,322.86396243999997,324.79672548000002,320.82597564000002,323.01546295000003,182.14587977000002]
[null,"Total loans",47883.530286110006,36639.326307030002,35705.123075460004,38491.880072500004,37066.123174519998,36923.947633669995,37634.45799214,38787.358018450002,36761.302651340004,36924.800725870002]
[null,"Stage 1",19984.148983890005,22739.399840499998,24479.872210699999,28007.373064560001,26648.940989220002,28254.650961790001,29389.480013910001,31932.13297413,30128.903794139998,30763.85576554]
[null,"Stage 2",5165.9435663899994,4386.0941312899995,4814.1199925000001,5125.77541991,5228.8133253599999,4798.9492078900003,4477.8345089599998,3796.6935022800003,3759.6148320300003,3687.35257942]
[null,"Stage 3 & POCI",22733.437735830001,9513.8323352400002,6411.1308722600006,5358.7315880299993,5188.3688599399993,3870.3474639900001,3767.1434692700004,3058.5315420399997,2872.7840251699999,2473.59238091]
[]
[null,"LOAN LOSS RESERVES","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Corporate and Public loans",6732.3095874199998,2847.63840256,1863.45658499,1675.2690512700001,1748.9294942445633,1261.36305197,1326.5617363539479,1121.0317535351926,1049.1559046612622,989.02409750153788]
[null,"Stage 1",86.570366899999996,75.217568220000004,65.694683260000005,69.499034409999993,55.50539796999999,59.963582639999998,46.647629892158101,26.428999424572819,32.978039007195953,37.926002154881957]
[null,"Stage 2",160.80642911999999,133.37889215000001,118.89238125999999,115.09276662000001,111.85301052999999,94.638159909999985,90.333742017965704,67.515062731128339,75.736577099789329,71.298873762228112]
[null,"Stage 3 & POCI",6484.9327914200003,2639.0419421699999,1678.86952047,1490.6772502400001,1581.5710857445633,1106.7613094199999,1189.5803644438242,1027.0876913794914,940.44128855427687,879.79922158442787]
[null,"Mortgages ",2101.7480691800001,126.62905477,70.645271309999998,72.462015089999994,81.753611190000001,80.594922580000002,83.608787648293173,86.436325317913642,89.259121999929746,47.792738938082778]
[null,"Stage 1",4.9767104499999997,1.51608341,2.38163678,3.4247352799999997,3.3515153999999998,3.2918337799999997,3.0982646517775025,3.1933077622797184,3.1882162810238359,2.9999968909247956]
[null,"Stage 2",91.150650679999998,23.075616950000001,23.16761546,20.953034519999999,27.606303,27.461718699999999,26.377210990006738,19.887840894559123,20.47533581058352,15.575400612422969]
[null,"Stage 3 & POCI",2005.62070806,102.03735440999999,45.096019069999997,48.084245290000005,50.79579279,49.841370099999999,54.133312006508937,63.355176661074793,65.595569908322403,29.217341434735012]
[null,"Consumer loans/Credit cards",1618.7596660499999,514.85013379999998,372.53253140999999,222.87565174,236.25888629000002,212.90668455000002,208.90147600533913,213.38569344117175,210.50448348320947,116.178884367477]
[null,"Stage 1",20.789126830000001,18.979661630000003,19.87080323,17.689887760000001,16.730989269999998,16.24501304,14.905124677083016,7.6207376926020434,6.0629285036833211,6.3834839179913612]
[null,"Stage 2",55.096876469999998,40.28232242,43.879608709999999,39.434223060000001,41.391065640000008,39.319416799999999,31.916990784448874,32.675739088911136,30.137915338594468,26.123862967260816]
[null,"Stage 3 & POCI",1542.8736627600001,455.58814976999997,308.78211947,165.75154092,178.13683137999999,157.34225471000002,162.07936054380724,173.08921665965855,174.30363964093169,83.671537482224821]
[null,"Total loans",10452.81732269,3489.1175911300002,2306.6343877099998,1970.6067181100004,2066.9419917245636,1554.8646591000002,1619.0719999975802,1420.853772304278,1348.9195101444013,1152.9957208270978]
[null,"Stage 1",112.33620418,95.713313259999993,87.947123269999992,90.613657449999991,75.587902639999982,79.500429459999992,64.651019211018593,37.24304488945458,42.229183781903117,47.309482973798119]
[null,"Stage 2",307.05395626999996,196.73683152000001,185.93960543,175.48002420000003,180.85037918,161.41929540999999,148.6279438024213,120.0786427145986,126.34982824896734,112.99813735191189]
[null,"Stage 3 & POCI",10033.427162239999,3196.6674463499999,2032.74765901,1704.5130364600002,1810.5037099045637,1313.9449342299999,1405.7930369841404,1263.5320847002249,1180.3404981135307,992.68810050138768]
[]
[null,"* Loan figures do not include loans and advances to customers fair valued through P&L. LLRs do not include ECL allowance for impairment losses on loans and advances to customers mandatorily measured at FVTPL"]

{"sheet":"NPE flow decomposition","index":13,"n_rows":31,"n_cols":12,"rows_kept":31,"cut":false,"hidden":false,"merged":[[4,1,4,11],[31,1,31,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"NPE FLOW DECOMPOSITION"]
[]
[]
[]
[null,"Group data, amounts in €mn","Q1.21","Q2.21","Q3.21","Q4.21","Q1.22","Q2.22","Q3.22","Q4.22","Q1.23","Q2.23"]
[]
[null,"NPEs | Beginning of period",22486.782249829972,22154.894448389994,9007.7873814000013,5985.5190524999989,4915.0369695099962,4721.7395479699999,3425.745327170001,3331.29172062,2624.3162290799996,2441.5529170199989]
[]
[null,"Re-defaults",217.24700000000001,163.24045999999998,132,50.761584172748499,40.4,38.72,31.74,39.03,34.39,23.21]
[null,"Defaults",234.85300000000001,230.23247000000001,154,70.216019239969398,75.099999999999994,70.05,67.31,75.849999999999994,58.4,193.13]
[null,"Total inflows",452.1,393.47293000000002,286,120.9776034127179,115.5,108.77,99.05,114.88,92.789999999999992,216.34]
[null,"o/w business",220.32999999999998,178.2,186.798,56.059999999999995,50.2,30.96,26.71,46.61,22.16,151.85999999999999]
[null,"o/w mortgage",168.45999999999998,143.85,72.540000000000006,43.32,42.56,52.25,50.54,47.81,51.56,47.18]
[null,"o/w consumer",63.31,71.42,27.11,21.6,22.74,25.56,21.8,20.46,19.05,17.309999999999999]
[]
[null,"Curings, Collections, Liquidations",-371.02199999999999,-345.20357999999999,-206,-458.74321592399451,-224.10000000000019,-364.16999999999996,-169.97000000000006,-270.56999999999982,-158.26999999999995,-142.70000000000024]
[null,"o/w business",-197.31000000000085,-267.12817033999085,-131.21482966000897,-367.25900000000013,-113.0349940100061,-292.6099999999999,-125.33000000000001,-225.50999999999991,-101.47999999999993,-110.24999999999994]
[null,"o/w mortgage",-148.23999999999995,-60.169999999998723,-53.090000000000053,-70.859999999999971,-89.280590269999138,-54.17,-31.959999999999997,-28.740000000000009,-41.53,-20.080000000000016]
[null,"o/w consumer",-25.47000000000002,-17.120000000000154,-21.709999999999997,-20.980000000000025,-21.812554031532613,-17.389999999999997,-12.670000000000002,-16.319999999999961,-15.23000000000005,-12.389999999999953]
[]
[null,"Write-offs",-166.37,-98.848570000000009,-88,-341.14576206749598,-83.1,-159.02000000000001,-18.75,-97.63,-95.11,-40.4]
[null,"Sales",-246.596,-13097.285250000001,-3015,-391.20708400402623,-1.6,-881.57,-4.79,-453.65,-22.18,-426.21]
[]
[null,"NPE | End of period",22154.894448389994,9007.7873814000013,5985.5190524999989,4915.0369695099962,4721.7395479699999,3425.745327170001,3331.29172062,2624.3162290799996,2441.5529170199989,2048.5796317300005]
[]
[]
[null,"* Q2.23 business inflow elevated due to one corporate  client defaulting"]

{"sheet":"Capital Adequacy","index":14,"n_rows":44,"n_cols":12,"rows_kept":44,"cut":false,"hidden":false,"merged":[[4,1,4,11],[43,1,43,11],[42,1,42,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"CAPITAL ADEQUACY"]
[]
[]
[null,"amounts in € mn"]
[]
[null,null,"2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[]
[null,"Phased in Data"]
[null,"Reported"]
[null,"Common Equity Tier I",5109.753702,4063.6057230000001,3276.9440629999999,3581.735271,3561.6973419999999,3474.0866339999998,3792.4899409999998,4064.2339860000002,3779.8510980000001,3865.9960590000001]
[null,"Total Regulatory Capital",5999.1921590000002,5553.5794589999996,4767.5433430000003,5072.8914089999998,5053.4596650000003,4966.5417980000002,5285.0870880000002,5557.3076840000003,5273.5551919999998,5360.4137840000003]
[null,"Risk Weighted Assets",42390.549307000001,37390.637632999998,33097.290544000003,32207.029317,31670.097586,31539.619437000001,31891.510697000002,31178.187938999999,31082.554315000001,31617.013011999999]
[null,"Common Equity Tier I ratio",0.12053992660001271,0.10867976531680133,9.900943579183874E-2,0.11120973734480487,0.11246246817927313,0.11014992241550171,0.11891847887145575,0.13035504160638386,0.12160683641678371,0.12227581579362637]
[null,"Total Capital Ratio",0.14152192545448677,0.14852861065141493,0.14404633323872723,0.15750882700387239,0.15956564867782155,0.15746993421783689,0.16572081323501436,0.17824344682483956,0.16966286420852666,0.16954206844161704]
[]
[null,"Pro-Forma(1)",null,null,null,null,null,null,"1 Oct.22"]
[null,"Common Equity Tier I",6604.6547019999998,4063.6057230000001,3629.9440629999999,3581.735271,3561.6973419999999,3586.8910390000001,3888.9745039999998,4064.2339860000002,3779.8510980000001,3865.9960590000001]
[null,"Total Regulatory Capital",8086.5616090000003,5553.5794589999996,5120.5433430000003,5072.8914089999998,5053.4596650000003,5079.3462030000001,5381.5716510000002,5557.3076840000003,5273.5551919999998,5360.4137840000003]
[null,"Risk Weighted Assets",42872.802524999999,35101.069421,32121.816442000003,32000.992036,31109.188495090908,30466.186851000002,31996.763878000002,31178.187938999999,31082.554315000001,31336.371346]
[null,"Common Equity Tier I ratio",0.15405232018944159,0.11576871559841584,0.11300556646770965,0.1119257573943543,0.11449020415823585,0.11773350752893011,0.12154274472344186,0.13035504160638386,0.12160683641678371,0.12337089117031681]
[null,"Total Capital Ratio",0.18861751816398198,0.15821681648472644,0.15941014270615075,0.15852294214170529,0.16244267078189603,0.16672077237106811,0.16819112306229833,0.17824344682483956,0.16966286420852666,0.17106045000593989]
[]
[]
[null,"Fully Loaded Data"]
[null,"Reported"]
[null,"Common Equity Tier I",4193.0576099999998,3229.1113380000002,2442.4736560000001,2705.9784460000001,3050.6074239999998,2954.5648000000001,3269.5634300000002,3544.5996759999998,3779.8510980000001,3865.9960590000001]
[null,"Total Regulatory Capital",5082.496067,4719.0850739999996,3933.072936,4197.1345840000004,4542.3697469999997,4447.0199640000001,4762.1605769999996,5037.673374,5273.5551919999998,5360.4137840000003]
[null,"Risk Weighted Assets",41473.998395000002,36556.286552999998,32262.948456999999,31357.20263,31217.726039000001,31084.085474,31434.699799000002,30722.611790999999,31082.554315000001,31617.013011999999]
[null,"Common Equity Tier I ratio",0.10110087698960571,8.8332586334182853E-2,7.5705221401426617E-2,8.629527569564327E-2,9.7720359906705107E-2,9.5050723061205031E-2,0.10401128214699894,0.11537429500178004,0.12160683641678371,0.12227581579362637]
[null,"Total Capital Ratio",0.12254656564805029,0.12909093124538731,0.12190680406169302,0.13384913933567932,0.14550610577225456,0.14306420459819125,0.15149375077383412,0.16397282263208349,0.16966286420852666,0.16954206844161704]
[]
[null,"Pro-Forma(1)",null,null,null,null,null,null,"1 Oct.22"]
[null,"Common Equity Tier I",5687.9586099999997,3229.1113380000002,2795.4736560000001,2705.9784460000001,3050.6074239999998,3067.3692050000004,3366.0479930000001,3544.5996759999998,3779.8510980000001,3865.9960590000001]
[null,"Total Regulatory Capital",7169.8655170000002,4719.0850739999996,4286.0729360000005,4197.1345840000004,4542.3697469999997,4559.8243689999999,4858.6451399999996,5037.673374,5273.5551919999998,5360.4137840000003]
[null,"Risk Weighted Assets",41956.251613,34266.718341,31287.474354999998,31151.165348999999,30656.816948090909,30010.652888000001,31539.952979999998,30722.611790999999,31082.554315000001,31336.371346]
[null,"Common Equity Tier I ratio",0.13556879824406443,9.4234624566787897E-2,8.9348012699313972E-2,8.6866042271091667E-2,9.9508289760329147E-2,0.10220934600948027,0.10672330409415849,0.11537429500178004,0.12160683641678371,0.12337089117031681]
[null,"Total Capital Ratio",0.17088908664039096,0.13771628280942305,0.13699005830155961,0.13473443246753961,0.14816834228717493,0.1519401922383129,0.1540473171624874,0.16397282263208349,0.16966286420852666,0.17106045000593989]
[]
[null,"Capital figures include profit for the period throughout the time horizon presented"]
[null,"(1) Pro-forma ratios adjusted for the RWA relief of the sale of NPE loan portfolios and any other regulatory capital adjustments illustrated in quarterly reporting. For June.21 the ratios are pro forma for the RWA relief related with Sunrise 1 NPE perimeter, for which associated losses have been booked in regulatory capital. For Sep.21 capital ratio is illustrated pro forma for the Sunrise 2 portfolio RWA relief, transaction for which loss has been booked in Q3.21, as well as Thalis signed transaction (cards merchant acquiring business carve-out). For Dec.21 capital ratio is illustrated pro forma for the Dory shipping NPE portfolio RWA relief, transaction for which loss has been booked in Q4.21. For Mar.22 capital ratio is illustrated pro forma for the Sunshine leasing NPE portfolio RWA relief, transaction for which loss has been booked in 2021, and for the RWA relief resulting from the synthetic securitization of a shipping portfolio, transaction which is expected to close in the forthcoming period, subject to regulatory approvals. For Jun.22 capital ratio is illustrated pro forma for the expected impact of the Iolcus and Natech transaction developments concluded post 30 June 2022, the RWA relief of the Sunrise 3 and Solar NPE securitization portfolios, classified as held for sale as at 30 June 2022, for which 100% sale scenarios are booked, the RWA relief expected from the mortgage and blended portfolio signed synthetic securitizations, concluded in the following period, as well as other financial developments post 30 Jun.22. For June 2023 pro-forma for the RWA relief from the Sunrise 3, Solar, NPE securitizations and the RWA of the Delta and Wheel NPE portfolios, classified as HFS as at 30 June 2023"]

{"sheet":"Other Information","index":15,"n_rows":58,"n_cols":12,"rows_kept":58,"cut":false,"hidden":false,"merged":[[4,1,4,11],[57,1,57,11],[58,1,58,11]]}
[]
[null,null,null,null,null,null,null,null,null,null,null,"Back to Cover"]
[]
[]
[null,"OTHER INFORMATION"]
[]
[]
[]
[]
[null,"Branches PER COUNTRY (#)","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Group (continued operations)",496,490,430,430,428,424,419,405,403,403]
[null,"Greece",480,474,414,414,412,408,403,389,387,387]
[null,"Abroad",16,16,16,16,16,16,16,16,16,16]
[]
[null,"Discontinued operations",0,0,0,0,0,0,0,0,0,0]
[]
[]
[null,"Employees PER COUNTRY (#)","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Group",11170.6,11067.6,10703.35,10424.65,10354.700000000001,10262.700000000001,9417.7659999999996,8676.1509999999998,8801.0709999999999,8897.2250000000004]
[null,"Group (continued operations)",10219.1,10132.1,9764.35,9270.15,9251.7000000000007,9205.7000000000007,9057.7659999999996,8604.1509999999998,8741.0709999999999,8829.2250000000004]
[null,"Greece",9866,9793,9411,8904,8879.6,8838.6,8720.81,8270.8050000000003,8236.4750000000004,8233.375]
[null,"Piraeus Bank Greece",9492,9421,9045,8583,8546.6,8506.6,8391.6,7933.6,7841.1,7821.1]
[null,"Affiliate companies in Greece",374,372,366,321,333,332,329.21,337.20499999999998,395.375,412.27499999999998]
[null,"Abroad ",353.09999999999997,339.09999999999997,353.34999999999997,366.15,372.09999999999997,367.09999999999997,336.95600000000002,333.34599999999995,504.59599999999995,595.85]
[null,"Discontinued & held for sale operations",0,0,0,223,161,128,198,54,43,52]
[null,"Other Discontinued (Imithea SA until 30.06.22)",951.5,935.5,939,931.5,942,929,162,18,17,16]
[]
[null,{"$f":"+B25","v":"Discontinued & held for sale operations"},951.5,935.5,939,1154.5,1103,1057,360,72,60,68]
[]
[]
[null,"Number of SHARES","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Piraeus Bank's shares (end of the period)*",831059164,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223,1250367223]
[null,"PB's shares minus treasury stock (average of period)**",830729018.33333242,433269267.36129332,724463487.96537411,859533251,1249734974,1249851815,1249714515.635139,1249647205.3540332,1250020909.8142855,1250054238.8295112]
[null,"Adjusted PB's shares minus treasury stock (avg of period)***",830729018.33333242,433269267.36129332,724463487.96537411,859533251,1249734974,1249851815,1249714515.635139,1249647205.3540332,1250020909.8142855,1250054238.8295112]
[]
[null,"* Outstanding number of shares; post CoCo conversion to common shares in early January 2021, number of shares totaled 831,059,164"]
[null,"** Weighted average number of shares in issue for the basic EPS calculation"]
[null,"*** Weighted average number of shares in issue for the diluted EPS calculation"]
[null,"Note: 1,250,367,223 shares οutstanding post April 2021 share capital increase"]
[]
[null,"Share & stock market data","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Market capitalization (€mn)",363.00659999999999,1839.9153686444999,1744.2622760849999,1612.97371767,1769.269620545,1171.8441613955999,1296.6380999999999,1798.028066674,2498.2337115539999,3758.6038723379997]
[null,"Tangible book value per share (€)",5.0549893533157633,4.4362367294715952,3.8748744455851747,3.9352695028218925,4.241886625334228,4.2486670333967966,4.3396259116430791,4.5113018769526718,4.6587113712272998,4.7347594299502846]
[null,"Price/tangible book ratio",{"$f":"(C42/(C32/1000000))/C43","v":8.6409667345903551E-2},{"$f":"(D42/(D32/1000000))/D43","v":0.33170006240295297},0.36001166478810392,0.32780474096500134,0.33357798663195271,{"$f":"(H42/(H32/1000000))/H43","v":0.22058683173642613},{"$f":"(I42/(I32/1000000))/I43","v":0.23896203294947441},{"$f":"(J42/(J32/1000000))/J43","v":0.31875499339701713},{"$f":"(K42/(K32/1000000))/K43","v":0.42887396122882004},{"$f":"(L42/(L32/1000000))/L43","v":0.63487914105734466}]
[null,"EPS reported (€)",-0.32314047323394712,-1.6374199259547002,-0.51864336393849564,5.1807904826687103E-2,0.40639101109898507,6.345095947864586E-2,8.1992712312165275E-2,0.12511284454870905,0.13326964825596682,8.522136380409577E-2]
[null,"Core EPS  (€)",4.8895888992474762E-3,6.3488726854731184E-2,5.981543827212505E-2,-1.3605904697013109E-2,5.9050299601463692E-2,9.5628983950101443E-2,6.6800803238905748E-2,0.14008132280511643,0.1457931691160462,0.15371941316275206]
[null,"EPS normalized (€)",2.4242592508811906E-2,6.1646411823093508E-2,5.9510411746329789E-2,-1.5894156314114213E-2,0.11689570587056264,7.5660450273975194E-2,7.1084344826911741E-2,0.15573112523119936,0.15241042510916819,0.17992931326023717]
[null,"Price/earnings normalized (%)",2.9939041188792621,5.8155491694459585,4.9816213540423284,-59.752761622221293,2.7768484089536405,2.7194424516414037,3.1778309645401914,2.1626916664236759,3.0661601612639533,3.946410124282266]
[]
[null,"* For simplification, all EPS figures are calculated with the current number of shares"]
[]
[null,"RATINGS\n(outlook)","2021-03-31","2021-06-30","2021-09-30","2021-12-31","2022-03-31","2022-06-30","2022-09-30","2022-12-31","2023-03-31","2023-06-30"]
[null,"Moody's*","Caa2 (Positive)","Caa2 (Positive)","B3 (Positive)","B3 (Positive)","B2 (Positive)","B2 (Positive)","B2 (Positive)","Ba3 (Stable)","Ba3 (Stable)","Ba3 (Stable)"]
[null,"S&P Global","B (Stable)","B (Stable)","B (Stable)","B (Stable)","B (Stable)","B (Positive)","B (Positive)","B (Positive)","B (Positive)","B+ (Positive)"]
[null,"Fitch","CCC+","CCC+","CCC+","CCC+","B- (Positive)","B- (Positive)","B- (Positive)","B- (Positive)","B (Positive)","B (Positive)"]
[null,"DBRS",null,null,null,"B (Stable)","B (Stable)","B (Stable)","B (Stable)","B high (Stable)","B high (Stable)","B high (Stable)"]
[]
[null,"* Moody’s Rating refers to Long Term Deposit Rating\n"]