ΣΥΝΕΤΑΙΡΙΣΤΙΚΗ ΤΡΑΠΕΖΑ ΘΕΣΣΑΛΙΑΣ ΕΝΗΜΕΡΩΤΙΚΟ ΔΕΛΤΙΟ... 6 2007, 125.434 : ) 80.000,. 96,. ) 10.434,. 112. ) 35.000,. 96 100.., ( ) 809/2004., 20 2007-1 -
1. 5 1.1. 5 1.1.1. 5 1.1.2. 6 1.1.3. 7 1.2. 7 1.3. 9 1.4. & 11 1.5. 12 2. 13 2.1. 13 3. 16 3.1. 16 3.2. 16 3.3. 17 3.3.1. 17 3.3.2. 20 3.3.3. 21 3.3.4. 21 3.4. 21 3.5. 22 3.6. 24 3.6.1. 24 3.6.1.1. 24 3.6.1.2. 24 3.6.2. 24 3.6.3. 26 3.6.4. 28 3.6.5. 30 3.7. 31 3.7.1. 31 3.7.1.1. 31 3.7.1.2. 32 3.7.1.3. 32 3.7.1.4. 33 3.7.1.5....... 33 3.7.2. 33 3.7.2.1. 33 3.7.2.2. 34 3.7.2.3. 35 3.7.2.4. 35 3.7.2.5. 35 3.7.3. 36 3.7.3.1. 36-2 -
3.7.3.2. 36 3.7.3.3. (...) 36 3.7.3.4. e-banking 37 3.7.4. 37 3.7.5. 38 3.7.5.1. 2004-2006 38 3.7.5.2. 38 3.7.5.3. 40 3.8. 41 3.8.1. 41 3.8.2. 41 3.8.3. 43 3.8.4. 44 3.8.4.1. 45 3.8.4.2. 46 3.8.4.3. 47 3.8.4.4. 47 3.8.4.5. 47 3.8.4.6. 47 3.8.4.7. 48 3.8.5. 49 3.9. 49 3.9.1. 50 3.9.2. 53 3.9.3. 53 3.9.4. _ 54 3.9.5. 54 3.9.6. 55 3.9.7. 55 3.9.8., 56 3.9.9. 57 3.9.10. 58 3.9.11. 58 3.10. 59 3.11. 59 3.11.1. 59 3.11.2. 59 3.11.3. 60 3.11.3.1. 60 3.11.3.2. 60 3.12. 61 3.12.1. 61 3.12.2. 61 3.12.3. 62 3.13. - 62 3.13.1. 62-3 -
3.13.2. 63 3.14. 64 3.14.1. 64 3.14.2. 67 3.14.2.1. 67 3.14.2.2. 68 3.14.2.3. 69 3.14.2.4. 72 3.14.2.5. 72 3.14.3. 74 3.14.4. 75 3.14.5. 78 3.15. 79 3.15.1. 79 3.15.2. stock options 79 3.16. 79 3.17. 80 3.18. 81 4. 82 4.1. 83 4.2. 82 4.3. - & 82 4.3.1. 82 4.3.2. 83 4.3.3. 83 4.3.4. 83 4.4. 85 4.5. & 88 4.6. 90 4.7. 91 4.8. 92 4.8.1. 92 4.8.2. 92 4.8.3. 93 4.8.4. 93 4.9. 94 4.10. 94 4.11. 95 4.12. 95 4.13. 95 4.14. 95 96-4 -
1.,,, ( ) 809/2004 20.1.,,. 5. 2 3401/2005..,,,,. 1.1. 1.1.1.. 1667/86 «.», 605/9/15-12-1997 ( 278/31.12.1997). 7 2007, «..»., 247/11 24 2007.,, : 1667/86 (... ' 196/6-12-86) " ", 2166/93. 2076/92 (... ' 130/1-8-92) " " 2.4,5,6 24.. 2258/2-1 1-93. 541/2/07-04-1994, / 2413/09-07-1997,.2396/96 (... " 73/30-4-96). 1667/86. 3.6.4..,.,. - 5 -
. 2076/92,,,. 3.6.3.. :.,,.,. (,, )., '. 1.1.2. -.,.,,,,. :.. - - 8 2004. - 6 -
1.1.3.,. 2004 2005 2006 ' 2007 ( ) 4.497.703,56 5.468.429,40 6.880.670,52 6.933.012,44 122.587 149.044 187.537 188.962 4.512 5.171 6.157 6.718 : 1.2. 2004-2006,, 809/04,,. (..... 14501). 2004-2006. (..... 14501). 2006 2007 (2004 2006) 2004 2005 2006 1.597.123,01 2.197.995,39 3.042.856,54 5.492.014,45 9.003.970,53 10.335.291,25 ( ) 39.907.776,90 55.738.308,59 68.818.917,98, 5.100.197,75 5.247.982,25 5.304.772,75 280.565,53 1.385.710,07 1.668.244,60 524.046,35 729.527,04 944.265,92 52.901.723,99 74.303.493,87 90.114.349,04 41.531.527,78 59.619.897,04 70.784.939,34 9.065.650,78 12.264.724,65 16.870.517,34 2.304.545,43 2.418.872,18 2.458.892,36 52.901.723,99 74.303.493,87 90.114.349,04 : 2004, 2005, 2006, 809/04.. - 7 -
(2006 2007) ' 2006 ' 2007 2.653.605,10 2.571.848,22 10.097.409,37 8.030.339,64 ( ) 63.230.956,56 80.117.625,40, 5.257.787,75 5.355.157,75 1.728.842,39 1.741.441,50 943.879,26 715.712,28 83.912.480,43 98.532.124,79 65.260.024,39 78.466.351,79 15.536.070,45 17.039.083,98 3.116.385,59 3.026.689,02 83.912.480,43 98.532.124,79 : (2004 2006) 2004 2005 2006 & 3.606.564,27 4.613.472,93 5.656.534,50 & 1.318.009,07 1.661.422,04 2.041.299,02 2.288.555,20 2.952.050,89 3.615.235,48 4.204.932,92 5.420.158,17 6.615.758,81 2.411.103,82 3.388.721,11 3.914.157,43 1.793.829,10 2.031.437,06 2.701.601,38 612.182,01 696.156,18 763.823,34 1.181.647,09 1.335.280,88 1.937.778,04 : 2004, 2005, 2006, 809/04.. (2006-2007) ' 2006 ' 2007 & 2.626.721,00 3.166.028,63 & 796.292,76 1.051.812,87 1.830.428,24 2.114.215,76 3.070.396,32 3.614.999,58 1.863.154,32 2.443.527,58 1.207.242,00 1.171.472,00 : - 8 -
2004 2005 2006 1.181.647,09 1.335.280,88 1.937.778,04 478.279,16 960.649,35 1.502.562,32 1.659.926,25 2.295.930,23 3.440.340,36 : 428.790,60 442.256,40 672.076,00 270.486,30 351.111,51 375.127,38 960.649,35 1.502.562,32 2.393.136,98 : 2004, 2005, 2006, 809/04.. 2006 4,00, 2005 3,60 2004 3,60. 31.. 2004 2005 2006 ( / ) ( / ) ( / ) (p/e) ( / ) (p/bv) ( / ) 19,79% 16,56% 16,01% 42,66% 37,48% 40,84% 17,14% 16,51% 18,72% 6,15 6,60 7,29 1,22 1,09 1,17 : 2004, 2005, 2006, 809/04.. 3.8.4.7. 3.9.8. 1.3. 6 2007. - 9 -
13/09/2007 189.566 ( - 1.) 96.. ( - 6.) 112. 10.434. 1.168.608,00. 6 2007 75.826. 80.000. 7.680.000,00. 35.000. 3.360.000,00. 0. 0,00 ( ) 125.434 ( ) 12.208.608,00 36,69 31/12/2006 ( - 2.) 89,96 ( - 4.) 116,00 29,35.. 6 2007 : 1. 96 2. 112. 3. 2006 ( 3.9.4.) 31/12/2006. 4. 116. 5. 12.208.608,00. 6. 6 2007 ( ).. 2007-10 -
112. 10.434 4.174... 7.. 20 2007,., (2/5)... 20 2007,. 8....,...,. 9.., 100. 112.... 35.000... 10. 1.201.. 8... 11. 6.... 12. 121.260.,. - 11 -
13. 31/12/2007 2008. 2008 2008 14.,. 15.. 4,. 1.4. & 12.208.608.,. : 2.000.000. 1.050.000 2007-2009. 1.000.000..,. 400.000 2577/2007. 7.758.608 : ), ), ) ). 4,. 1.5. µ, : - 12 -
2.,,.,.,. 2.1., :,.,,,,, ( ),,,,.,,.,,.,,.,,,,,., :, ( )...., - 13 -
,.,. (,,, ). 31 2006 3,57%., Systemic Risk Management, «RV Credit & RV Rating»,...,,..,. 2577/2006. : ) ) ). : ) )... Secure LTD, (spread),.,, - 14 -
. ( ),.. (,,, options, )., ), ) ) ( 2006 60 90 ).. ( 20% ).. 31 2006 24% 20%., ( 4.500 ). - 15 -
3. 3.1.,,..,,.,.., 809/04., 3 -. : ), 3, ) &. ) ) ) 167 : www.bankofthessaly.gr. 3.2. :.. ( 3, 42100,,. 24310.76100). ( 3, 42100,,. 24310.76100),., ( ) 809/2004. - 16 -
.,,.. 2 16.2744/1999., 3.3 :. 3.3. 3.3.1., 2004, 2005 2006....... 14501,....... -...... 125.,,, (2004-2006) 20.1 809/2004,....... 14501,....... -...... 125. 20.1 809/2004 2004-2006. 2004..., 31 2004,,,..,,,.. - 17 -
,.,..,.,.,,.,.., 31 2004., 2003 2004,.,,.. 2005..., 31 2005,,,.., - 18 -
,,..,.,..,.,.,,.,.., 31 2005., 2003-2005,.,,.. 2006..., 31 2006,,,. - 19 -
.,,,..,.,..,.,.,,.,.., 31 2006., 2003-2006,.,,.. 3.3.2.. - 20 -
,,.,... 3.3.3. (1994) 2001. 9.080,00..,. 2002. 3259/2004 4.052,51.,...,,,. 3.3.4. 2001 2006,,.., ( 3.7.2.4). 3.7.2.5. hardware software, ( 3.7.5.2 3.7.5.3). 3.4.. ( 29 ) - 1. 1 31. - 21 -
31 1995. 2., (.. 384/1992),, ( ). ( 30 ) 1.,,,. : ), ), ) ). 2., (15). 3.,,,. 3.5. 2004-2006 809/04,. (..... 14501). 2006 2007. 2004-2006 2004 2005 2006 3.606.564,27 4.613.472,93 5.656.534,50 1.181.647,09 1.335.280,88 1.937.778,04 52.901.723,99 74.303.493,87 90.114.349,04 39.907.776,90 55.738.308,59 68.818.917,98 41.531.527,78 59.619.897,04 70.784.939,34 9.065.650,78 12.264.724,65 16.870.517,34 122.587 149.044 187.537 73,95 82,29 89,96 : 2004, 2005, 2006, 809/04.. - 22 -
2006-2007 ' 2006 ' 2007 2.626.721,00 3.166.028,63 1.207.242,00 1.171.472,00 83.912.480,43 98.532.124,79 63.230.956,56 80.117.625,40 65.260.024,39 78.466.351,79 15.536.070,45 17.039.083,98 186.993,76 188.961,91 :, 75% 2006, 23% 40%.. 88,72% 2006.. 78% 2006. (,, ). ( ) 63% 2004 2005. 2006 6.615 22%. 3.914 15%., 34,26%. 2006 45%.. 2006 3,57%. 2005 1% 240.000. -. - 23 -
3.6. 3.6.1. 3.6.1.1....... 096219748.. 1994 3 - www.bankofthessaly.gr 24310 76100 24310 76101 3.6.1.2. -.. 3-24310 76100 24310 76101 3.6.2.... 29 1994,, " " ". 1998, 605/9/15.12.97.1667/86 2076/92,. - 24 -
,.. : &, Retail Banking 2 ( ),..,,,,. 2006, 10.000.000,. 2007.. 7 2007.... 247/11 24 2007.,,.,,.,,..,,,,. :. - 25 -
3.6.3. - ( 4 ) 1.,. 2.. 1667/86,,, : ),. ) (,,, ). ). ),,,. ), ( ),,. ),,,,,,.,,.,...,. 3.. 2076/92,,,,,,, : ). - 26 -
). ) (leasing),. ). ) (,, ). ) ( ). ) : ( )..... ),,. ). ). ). ), factoring. 2367/29.12.1995. ). ). ). 4., ( ),,,,. 5.. 6.,,,,,.. 246 28 2007, 30%. : (i) (ii). - 27 -
7.,,. 3.6.4.. 1667/86 «.» ( 278/31.12.1997) 605/9/15-12- 1997,, : 1667/86 (... ' 196/6-12-86) " ", 2166/93. 2076/92 (... ' 130/1-8-92) " " 2.4,5,6 24.. 2258/2-1 1-93. 541/2/07-04-1994, / 2413/09-07-1997,.2396/96 (... " 73/30-4-96). 1667/86. 1667/86, 602/1915,,, -, 1667/86, 15,. 2076/92., 5. 1 1667/86.. 2, ', 2.000.0000,. 6. 2076/92.,,,.,, '. - 28 -
../.. 2258/2-11-93,../. 541/07-04-1994,../. 2413/09-07- 1997../. 2471/14-04-2001., 6.000.000. 18.000.000., 10.000.000., 18.000.000 '.,../. 541/07-04-1994. 2076/92,, ( 5,. 2). 2601/98 (... ' 81/15-4-98, 16,. 2)../.. 7 / 45'7-8-98.. 15% (../.. 7/44/7-8-98),.. 3483/2006.,,,,.. 10%. (Underwriting),,../.. 2344/94.,,,., 2396/96, 2076/92., 2076/92../.. 2258/2-11-93, 10%.. (, ), - 29 -
. 3.6.5. ( 33 ) 1. : ) (10). ). ). 2.,. 3.,..2 35: ), ).,,. 4. (2). 5.,.,.. ( 34 ) 1.. 2..1 36,, (15). 3... - 30 -
3.7. 3.7.1. (,, ). : - - - ' - - -,. : 3.7.1.1. 3.8.4.6. 3.7.1.2. :. : 3-31 -
(VISA MASTERCARD) ( ) 2004 2005 2006 ' 2007 36.014.290,62 50.370.106,91 63.208.556,74 74.619.263,75 4.909.168,13 7.133.248,29 8.048.628,80 8.337.245,18 185.496,51 142.566,44 110.573,49 71.453,10 41.108.955,26 57.645.921,64 71.367.759,03 83.027.962,03 : 3.8.4.2. 3.7.1.3. Internet Banking.... 3.7.1.4. 3.7.1.5.........,,,. - 32 -
3.7.2. 3.7.2.1. ( 36 ) 1.,. 2.,,. /. 2258/93,.,,,. 3.. ( 3 4/1996. ) 4., : ) -. ( 4 4/1996. ) ),. ) (50%),.,, 150%,. 5. ( ) (. ),. 6.,,,. 7.,,. 8.., - 33 -
. 9. ( ).. 10..,., 50%., : ( ),, ( )».,, risk management. : :, :, :, : To.. 3.7.2.2. - 90.. :,.,. - 34 -
,.. 3.7.2.3.,,,.. 3.7.2.4. 2577/2006. ) ) ).,,..,., / 2577/2006., Systemic Risk Management, «RV Credit & RV Rating»..,. 3.7.2.5...,. Secure LTD, : - 35 -
, COBIT FRAMEWORK,. ( ), ISO/IEC 27001.. Portal server, Microsoft SharePoint Services,. firewall. 3.7.3. 3.7.3.1. (5) :. : 3, 421 00 :., 421 00 :, 422 00 :, 420 23. : 167 &, 421 00,..... 3.7.3.2. «(...)» :. 3.7.3.3. (...) ( )... : 24 ( ) - 36 -
. 24 3.7.3.4. e-banking 2004 Internet Banking 24. :. 3.7.4. 2004-2007. ( ).. Internet Banking (VISA MASTERCARD) 750.... 2577/2006,,,. 2577/2006,.,...,,. ( ), ISO/IEC 27001., 61-63. - 37 -
3.7.5. : 3.7.5.1. 2004-2006 2007 2005 750..,, 1.023.302,66. 2006, 388.613,29.. (,,..., Internet banking,,, ). 2004-2006 260.177,54. 72.610,66. 172.725,00. 702.402,19 1,67%. 30.000,00 (..). 5.000,00. 2004-2006 1.952.428,85. 3.7.5.2.. 2... 150.000,.. hardware,,.,.. : Microsoft Windows SharePoint Services intranet. SQL Server 2005,. - 38 -
Microsoft InfoPath,. server, Novell 4.11 Novell 6.5, hardware. storage NETAPP, ( ) snapshots snap restore. Active Directory,,. ERP,,.. DIAS CHEQUE,. Leasing,.,,,,. software houses,. Risk Credit Risk Value Systemic, Risk Management. 380.338,36 50%.. 3.7.5.3.. :. 2007 1. -. 2008 1. 2008. 2. 2008. 3. 2008. - 39 -
. 2009 1. 2009. 2. 2009. 3. 2009. ( ). 150.. PROFITS INTRACOM. 300.000,00 ( 200.000 ). 1.000.000,00. 1.702.402,19 4,05%. - 40 -
3.8. 3.8.1. 2004-2006 809/04. 2004-2006. (..... 14501. 3.3.1. 2006 2007. 3.4.. 3.8.2. - 2004 2005 2006 3.606.564,27 4.613.472,93 5.656.534,50 : 1.318.009,07 1.661.422,04 2.041.299,02 2.288.555,20 2.952.050,89 3.615.235,48 2.020,84 5.341,73 16.811,79 542.799,66 648.225,88 831.061,41 0,00 1.639,10 23.182,44 0,00 89.248,94 1.256,67 52.240,94 62.282,58 109.740,71 2.885.616,64 3.755.510,92 4.550.923,62 660.387,29 873.628,03 1.023.636,03 88.879,57 128.181,67 177.028,04 338.252,00 718.664,00 641.228,00 4.752,02 4.751,07 7.674,50 1.793.345,76 2.030.286,15 2.701.357,05 ' 1.307,21 1.586,11 353,73 ' 823,87 435,20 109,40 1.793.829,10 2.031.437,06 2.701.601,38-612.182,01-696.156,18-763.823,34 1.181.647,09 1.335.280,88 1.937.778,04 478.279,16 960.649,35 1.502.562,32 1.659.926,25 2.295.930,23 3.440.340,36 : 2004, 2005, 2006, 809/04... 25%. 63%. - 41 -
25%. 25% 2004-2006,,,. 25%.. 2004-2006 40%., 2005.,. 38%. 1%.. 2005 240.000. ( :,,, ) 43% 2004, 42% 2005 41% 2006., 2004-2006 44%. ' 2006 ' 2007 2.626.721,00 3.166.028,63 : 796.292,76 1.051.812,87 1.830.428,24 2.114.215,76 0,00 0,00 403.625,90 402.816,05 0,00 0,00 0,00 0,00 39.919,05 44.657,90 2.273.973,19 2.561.689,71 703.357,23 819.622,57 73.500,00 88.050,00 290.000,00 474.638,00 0,00 0,00 1.207.115,96 1.179.379,14 ' 130,37 1.497,00 ' 4,33 9.404,14 1.207.242,00 1.171.472,00 : - 42 -
3.8.3. 2004 2005 2006 1.793.829,10 2.031.437,06 2.701.601,38 88.879,57 128.181,67 177.028,04 1.882.708,67 2.159.618,73 2.878.629,42 478.279,16 960.649,35 1.502.562,32 2.272.108,26 2.992.086,41 4.204.163,70 : 88.879,57 128.181,67 177.028,04 612.182,01 696.156,18 763.823,34 120.261,46 158.256,99 194.165,62 428.790,60 442.256,40 672.076,00 150.224,84 192.854,52 180.961,76 960.649,35 1.502.562,32 2.393.136,98 : 2004, 2005, 2006, 809/04.. 2006 4,00, 2005 3,60 2004 3,60. 31.. 2004 2005 2006 3,91% 4,28% 4,21% 26,94% 23,27% 18,17% 5,29% 5,29% 4,62% 18,87% 14,78% 15,99% 2,70% 2,16% 0,09% 42,28% 50,22% 56,92% 100,00% 100,00% 100,00% : 2004, 2005, 2006, 809/04.. - 43 -
3.8.4. 2004 2005 2006 &.. 1.597.123,01 2.197.995,39 3.042.856,54 5.492.014,45 9.003.970,53 10.335.291,25 39.907.776,90 55.738.308,59 68.818.917,98 41.108.955,26 57.645.921,64 71.367.759,03 : -1.201.178,36-1.907.613,05-2.548.841,05 & 4.498.800,00 4.500.555,00 4.500.555,00, &.. 65.851,15 59.565,65 60.076,15 535.546,60 687.861,60 744.141,60 ( ) 58.542,27 67.642,06 99.566,95 ( ) 222.023,26 1.318.068,01 1.568.677,65 & 133.791,37 119.787,33 180.772,54 390.254,98 609.739,71 763.493,38 52.901.723,99 74.303.493,87 90.114.349,04 41.531.527,78 59.619.897,04 70.784.939,34 2.145.153,47 2.165.717,57 2.217.824,34 &. 159.391,96 253.154,61 241.068,02 4.497.703,56 5.468.429,40 6.880.670,52 1.861.714,17 3.176.580,77 5.083.914,65 1.745.583,70 2.117.152,16 2.512.795,19 960.649,35 1.502.562,32 2.393.136,98 9.065.650,78 12.264.724,65 16.870.517,34 52.901.723,99 74.303.493,87 90.114.349,04 : 2004, 2005, 2006, 809/04.., 2006 76% 15%. 2006 78,55% 18,76%. - 44 -
' 2006 ' 2007 &.. 2.653.605,10 2.571.848,22 10.097.409,37 8.030.339,64 63.230.956,56 80.117.625,40 65.428.569,56 83.141.105,18 : -2.197.613,00-3.023.479,78 & 4.500.555,00 4.500.555,00, &.. 63.476,15 60.076,15 693.756,60 794.526,60 ( ) 41.282,06 129.163,53 ( ) 1.687.560,33 1.612.277,97 & 66.000,00 54.293,23 877.879,26 661.419,05 83.912.480,43 98.532.124,79 65.260.024,39 78.466.351,79 1.888.143,59 1.788.917,02 &. 21.000,00 66.300,00 6.860.800,95 6.933.012,44 5.041.819,22 5.189.074,42 2.130.887,96 2.523.860,14 1.502.562,32 2.393.136,98 15.536.070,45 17.039.083,98 1.207.242,00 1.171.472,00 83.912.480,43 98.532.124,79 : 3.8.4.1. :,, 2006 13,38.../.. 2560/2005, 24,3% 20% - 45 -
3.8.4.2. 2004 2005 2006 2007 2.150.183,26 1.699.252,03 1.254.803,57 1.170.357,28-11.262.154,77 16.783.129,13 24.750.282,01 3.062.987,80 15.437.424,88 20.269.515,19 23.669.328,62 26.406.913,25 7.164.527,71 11.618.210,56 13.534.142,54 43.979.005,42 4.909.168,13 7.133.248,29 8.048.628,80 8.337.245,18 185.496,51 142.566,44 110.573,49 71.453,10 41.108.955,26 57.645.921,64 71.367.759,03 83.027.962,03 :, 2004 2005 40,23% 2005 2006 23,80%.... 88,72% 2006. 2006 2.5488.841,05. 31 2006,.. 2442, 90 9,67%, 3,13% 0,09%. 31.12.2006 / 2442/99, 600. (0,85%) 23,75% 10%. 31 2006, 412, ( ) 70 0,02%., 0,56% ( ).,,,, ( ),. - 46 -
3.8.4.3. - 4.500.555,00. 60.076,16. 3.8.4.4. : 1.. 702.402,19 1,67% 2.. 5.869,41 2,00% 3.. 30.000,00 4,69% 4.... 5.870,00 0,06% 744.141,60 3.8.4.5. : 1/1/2004 1/1/2004 31/12/2003 31/12/2006 31/12/2006 31/12/2003 31/12/2006 31/12/2006 31/12/2003 31/12/2006 242.815,23 160.628,85 403.444,08 205.836,14 98.040,99 303.877,13 36.979,09 99.566,95 1.023.302,66 1.023.302,66 1.023.302,66-178.954,73 433.967,45 612.922,18 70.861,45 105.563,75 176.425,20 108.093,28 436.496,98, & 237.842,47 192.213,49 430.055,96 134.073,24 187.104,71 321.177,95 103.769,23 108.878,01 659.612,43 1.810.112,45 2.469.724,88 410.770,83 390.709,45 801.480,28 248.841,60 1.668.244,60 3.8.4.6. : : 2004 2005 2006 2007 10.020.016,00 12.825.796,00 16.414.442,00 15.446.615,52 4.835.891,30 5.789.905,11 5.935.619,00 5.940.847,94 26.675.620,96 41.004.195,46 48.434.877,90 57.078.888,33 41.531.527,78 59.619.897,04 70.784.939,34 78.466.351,79 :, - 47 -
2006 78,55%. 2004 2005 43,55% 2005 2006 18,73%., ( ).,.. 3.8.4.7. 2004 2005 2006 ' 2007 4.497.703,56 5.468.429,40 6.880.670,52 6.933.012,44 1.861.714,17 3.173.580,77 5.083.914,65 5.189.074,42 410.660,36 568.917,35 763.082,97 763.082,97 152.703,51 231.832,00 328.914,81 328.914,81 197.086,08 213.933,75 227.463,39 227.463,39 985.133,75 1.105.469,06 1.193.334,02 1.204.398,97 1.745.583,70 2.120.152,16 2.512.795,19 2.523.860,14 960.649,35 1.502.562,32 2.393.136,98 2.393.136,98 9.065.650,78 12.264.724,65 16.870.517,34 17.039.083,98 : 2004, 2005, 2006, 809/04.. 2006 18,75%. - 48 -
3.8.5. 2004 2005 2006 ( / ) ( / ) ( / ) ( / ) ( / ) ( / ) ( / ) (p/e) ( / ) (p/bv) ( / ) 19,79% 16,56% 16,01% 3,39% 2,73% 3,00% 63,46% 63,99% 63,91% 42,66% 37,48% 40,84% 17,14% 16,51% 18,72% 75,44% 75,01% 76,37% 78,51% 80,24% 78,55% 6,15 6,60 7,29 1,22 1,09 1,17 15%.. 3.9. 3.9.1. ( 21 ) 1. - : ). ). ). ). ),. 2.,,,. ( 22 ) - 49 -
1..,,,,. 2..3 21. 3.. [200.000] 3.1. 8-2-1998. [50.000]. [200.000] [4]. [50.000]. 3.2 12-5-2002. 2842/01 1-1-2002 [. 50.000] [146,74] 3.3 12-5-2002 [146,74] [73,37] [146,74] [73,37]. 3.4 8-2-2004 [73,37] [36,69] [73,37] [36,69] 3.5, 6.1. 4., ( ), : ) (10.000) /100 (29,35). ),, 38 5. 2937/2001. ). 5. ( ).,. - 50 -
. 6.,,., (3). 7..,.,.. 8.,. 9.. ( 23 ) 1.,,,. 24 ( 24 ) (10%)..,. ( 25 ) 1., (5%) - 51 -
44. ( 25. 4. ), 26. 2.,,,,. 3.,,. ( 26 ) 1.,. 2.. ( 27 ) 1.,,,,. 2..,,,. 3.,,. ( 28 ) 1.,. 2.,,,. - 52 -
3.9.2. 3.8.4. 2004-2006 100%,. % 2004 2005 2006 3,02% 2,96% 3,38% 10,38% 12,12% 11,47% ( ) 75,44% 75,01% 76,37%, 9,64% 7,06% 5,89% 0,53% 1,86% 1,85% 0,99% 0,98% 1,05% 100,00% 100,00% 100,00% 78,51% 80,24% 78,55% 17,14% 16,51% 18,72% 4,36% 3,26% 2,73% 100,00% 100,00% 100,00% :. 78% 80%., 16% 19%.. 75%. 4.500.000,00. 3.9.3. 3.8.4.6. 64% 2004 2006, 21% 24%. - 53 -
3.9.4. 3.8.4.7. 3.9.5. 31.12.2002 3.779.247,65 1.225.772,63 1.139.082,73 153.705,74 6.297.808,75-14.846,00-14.846,00 3.779.247,65 1.225.772,63 1.139.082,73 138.859,74 6.282.962,75 2003 / 569.497,94 410.236,99 13.412,95 993.147,88-413.335,00-413.335,00 306.195,07 1.033.542,57 1.339.737,64-280.788,15-280.788,15 31.12.2003 4.348.745,59 1.636.009,62 1.458.690,75 478.279,16 7.921.725,12 31.12.2003 4.348.745,59 1.636.009,62 1.458.690,75 478.279,16 7.921.725,12 2004 / 148.957,97 225.704,55 16.406,65 391.069,17-612.182,01-612.182,01 270.486,30 1.523.342,80 1.793.829,10-428.790,60-428.790,60 31.12.2004 4.497.703,56 1.861.714,17 1.745.583,70 960.649,35 9.065.650,78 31.12.2004 4.497.703,56 1.861.714,17 1.745.583,70 960.649,35 9.065.650,78 2005 / 970.725,84 1.314.866,60 20.456,95 2.306.049,39-696.156,18-696.156,18 351.111,51 1.680.325,55 2.031.437,06-442.256,40-442.256,40 31.12.2005 5.468.429,40 3.176.580,77 2.117.152,16 1.502.562,32 12.264.724,65 31.12.2005 5.468.429,40 3.176.580,77 2.117.152,16 1.502.562,32 12.264.724,65 2006 / 1.412.241,12 1.907.333,88 20.515,65 3.340.090,65-763.823,34-763.823,34 375.127,38 2.326.474,00 2.701.601,38-672.076,00-672.076,00 31.12.2006 6.880.670,52 5.083.914,65 2.512.795,19 2.393.136,98 16.870.517,34 : 2004, 2005, 2006, 809/04.. 31.12.2006 6.880.670,52 5.083.914,65 2.512.795,19 2.393.136,98 16.870.517,34 2007 / 52.341,92 105.159,77 11.064,95 168.566,64 30.06.2007 6.933.012,44 5.189.074,42 2.523.860,14 2.393.136,98 17.039.083,98 : - 54 -
3.9.6.,,, 2053/1993. (Tier 1) (Tier 2). (../.. 2053/1993 2004 2005 2006 4.497.703,56 5.468.429,40 6.880.670,52 1.861.714,17 3.173.580,77 5.083.914,65 410.660,36 568.917,35 763.082,97 152.703,51 231.832,00 328.914,81 985.133,75 1.102.469,06 1.193.334,02 (Upper Tier 1 Capital) 7.907.915,35 10.545.228,58 14.249.916,97-58.542,27-67.642,06-99.566,95 (Tier 1 Capital) (Upper Tier 2 Capital) 7.849.373,08 10.477.586,52 14.150.350,02 197.086,08 213.933,75 227.463,39 197.086,08 213.933,75 227.463,39 8.046.459,16 10.691.520,27 14.377.813,41 : 3.9.7. 2054/1993 2524/2003 ( ), ( ),. (../.. 2053/1993). (.. 0%,.... 20%, 100% ).,,. 8% 10%. - 55 -
,, 31 2004 2006. 2004 2005 2006 9.029 12.224 14.378 46.691 70.177 72.732 19,34% 17,42% 19,77% : 3.9.8., 2004-2006. 2004 2005 2006 4.512 5.171 6.157 122.587 149.044 187.535 27,17 28,82 30,46 4.497.703,56 5.468.429,40 6.880.670,52 9.065.650,78 12.264.724,65 16.870.517,34 36,69 36,69 36,69 90,00 90,00 105,00 73,95 82,29 89,96 ( ) 75,00 85,00 92,00-56 -
3.9.9. 31.12.2004 31.12.2005 31.12.2006 30.06.2007 1.793.829,10 2.031.437,06 2.701.601,38 1.171.472,00 88.879,57 128.181,67 177.028,04 88.050,00 343.251,97 713.723,69 645.106,20 474.638,00 2.225.960,64 2.873.342,42 3.523.735,62 1.734.160,00 / -12.425.538,45-16.536.966,38-13.721.837,39-11.773.346,15-188.930,51-205.480,69-214.738,88 228.553,64-10.388.508,32-13.869.104,65-10.412.840,65-9.810.632,51 / 8.875.398,23 18.088.369,26 11.165.042,30 7.681.412,45-88.570,64 107.627,69-247.175,55 80.780,06-486.087,29-688.714,90-805.924,72-100.428,67-2.087.768,02 3.638.177,40-300.898,62-2.148.868,67-152.315,00 56.280,00-50.385,00 2.008,51-119.232,17-1.233.326,21-459.562,58-73.196,90 / -3.006.805,00 4.530,50-510,50-3.126.037,17-1.381.110,71-401.784,57-123.581,90 374.662,52 2.285.592,44 3.319.575,00 168.566,64-279.883,83-429.830,67-440.709,94-672.076,00 374.662,52 1.855.761,77 2.878.865,06-503.509,36 / -4.839.142,67 4.112.828,46 2.176.181,87-2.775.959,93 11.928.280,13 7.089.137,46 11.201.965,92 13.378.147,79 7.089.137,46 11.201.965,92 13.378.147,79 10.602.187,86 : 1.597.123,01 2.197.995,39 3.042.856,54 2.571.848,22 5.492.014,45 9.003.970,53 10.335.291,25 8.030.339,64 7.089.137,46 11.201.965,92 13.378.147,79 10.602.187,86 : 2004, 2005, 2006, 809/04.. 2007. 2005, 2004 2007. 2006. 2004, 2005 2006.. - 57 -
3.9.10. 30 2007 ( ) ' 2007 0,00 0,00 6.933.012,44 5.189.074,42 2.296.396,75 227.463,39 14.645.947,00 :. 30 2007. ( ) ' 2007. 2.571.848,22. 8.030.339,64. ( ) = ( ) + ( ) 10.602.187,86. 0,00. 0,00. - 0,00. ( ) = ( ) + ( ) - ( ) ( ) -10.602.187,86 : 3.9.11. 12. 31-12-2006. - 58 -
,. 3.10. : 1... 2 2001.,,. 2...,,. 3...,. 4....... 3.8.4.4.. 3.11. - - 3.11.1. 2004 2006 3.8.4.5. 3.11.2. 1.411.916,65., 2006. ( ).. 1 61-63 2 752 1.023.302,66 1.023.302,66 80 200 388.613,99 363.307,86 1.411.916,65 1.386.610,52 : - 59 -
3.11.3. 3.11.3.1. -,. ON-LINE / REAL TIME,. ON-LINE / REAL TIME. 2004 INTERNET BANKING., ( ), 24 VISA MASTERCARD.,,, 129.,. 3.11.3.2. A.B.C. CROESUS ATLAS. : / - (,,, ). - (,, ),,,,. -,,,,. -. -,,.. -,,,. -,. - 60 -
3.12., : 1. T,. 2.. 3.,. 3.12.1.,,.. :. 2007 1. ( ) 2.. 2008 1. 2008. 2. 2008. 3. 2008.. 2009 1. 2009. 2. 2009. 3. 2009.,,.,. 3.12.2. 246/10 28 2007,, 30%. : (i) - 61 -
(ii).,,,. 15%. 75%. 3.12.3... 3.7.5.. 3.13. - 3.13.1. ( 31 ) 1.,.. 2., (,, ), : ) (10%), 27. ) (5%),.1 28. ) 2%,,.,... 3.,,, : ),, 28.2 29.2. ). 4., 30/6,. - 62 -
,,,, 31/12 (50%) (1/1-30/6). 1/7.,.,,. 5.,. ( 32 ) 1.,,,,,,. 2.,,.., 23.3.,. 3.13.2. 3.8.3. - 63 -
3.14. 3.14.1. ( 11 ) 1. (9),. 2.,,,,,. 1667/86,, ( 7,. 1), (20) 3.,, (3),,. 4..,,.,.,,. 5., : ). ).. -.. ( 12 ) 1.,,,,,,.,,. 2.,,. 3.. 4.,,, - 64 -
( 7,.1 ), 11.2. 5.,,,. 6... - ( 13 ) 1.,.,,,. 2.. 3.,,...,. 4.,,,,, : ),,,. ) -. ). ). ) ). ). )..,,. ),,. - 65 -
),. ). ) (. 1667/86,, 7,. 1). ),. 5.,,,.,,. ( 14 ) 1. To,,, (3). 2... 3.,,..,. 4.,,..,,. 5.,,,. 6.,,,,. - - - ( 15 ) 1. - - : - 66 -
),,,. ),. ). 2.,. 3. : ),. ),. 4. : ). ),,. ),. ( 16 ) 1...,. 2.. 3.. 4.,,. 3.14.2. 3.14.2.1. : - 67 -
.. - - - - 8 2004.. 1667/86../.. 2258/2-11-93../.. 541/7-4-94...... 1667/86.,. 2076/97.. 1379/88.,.,,,.../.. 2577/2006,. A.. (..),., (..),. ( ), ( ), (,. ( ) B.,. (..),. (..),.. (..),.. (..). 3.14.2.2. : - 68 -
..: -,. 1978 1985. ".... - " 1986 1993. 1995..., 1982 1995 -.... 1999.... : -....., (..). 1998. :.,.. 2004 : -. - ". &..". 1998.. 2002.....:.......:. 1958 1999 "..." 1978 1982 1990.... -..:..... 1998. -..:.,. 2004. -..: MSc. 2000, 2007. 2004. 3.14.2.3. -,.....: - 69 -
&.. 2005 55%.. 1994 51% 1995 80% 1998 10%.... 1993 97%. &..» 1991 33,33% - 70 -
. 2007 70% 1980 100%.. 2005 50%.. 1965 50%. &.. 2007 50%... 1985 50% - 71 -
.. 2005 50%.. 2007 50%,. 2000 100%. &.. 1952 33,33% 3.14.2.4.......,. - 72 -
....,. /.. ( ),. 3.14.2.5....,... -, 2004-2006. - 73 -
3.14.3.. 2001. 1963. 1963 1975 (,,, - ). 1975 1996,,,,,,,,. 1996 1998. 1998 2000 E.F.G. Eurobank. To 2000., 2001.,, management, marketing,,,,... Alpha Bank ( 1970),,., 1995 2001......... 1983 2006,.,.......... 2001..,,.... 1972 Alpha Ban. 1990 2005,,. 2005.. 2000, EFG EUROBANK... 1989 1997 1997 2007... - 74 -
..../.. 2577/2006,, : A.. B.. 2006 : ( ) 1. 30.899,10 2. 19.244,75 3. ( 2006) 8.559,59 4. 18.900,00 5. 15.888,61 6. 19.875,00 7. 17.057,80 8. ( 2007) -----.. -, 2006.. 3.14.4...,. ( ). 2577 : 1.,,. 2.,,. 3.,,,, (use tests). - 75 -
4.,. 5.,,. 6.,,. 7.,,. 8.,. 9.. 10. :. (.. ).,,, (controls). 11.,,,. 12. (,,, ),. 13...,. :,..,,.,, : ), - 76 -
), ( ), ), ),. 14.,,,. - 77 -
3.14.5. - 78 -
3.15. 3.15.1. 30/06/2007 32. : 2004 2007 31/12/2004 31/12/2005 31/12/2006 30/06/2007 22 27 31 32 : 32 17.,,.,.,.,,..,...,,.,,. 3.15.2. Stock Options,.. 3.16.,. 1667/1986,, 1.201. (. 1667 3. 3 ).,, 1.201. - 79 -
, 18,..,. 3.17..... 3.14.2.3.. 31 2006,..,. / 31/12/2006 ( ).. 109. 250 106 465 7. 486 493 101. -... 287 388.. 172 172.. - 258 258 159 159 150 150 150 150 99 99 80 80 2.414 31/12/2006 3,38%. - 80 -
3.18. : «. &..», 63.500. ) ), 31.000. 30.500. ).P. ERGONPLUS ), 20.000.,. - 81 -
4. 4.1 3.9.1. 4.2 -, 1667/86,.. 4.3., -. 1667/86,. : 4.3.1. ( 8 ) : 1.., : ). ). 2.,,, -. 3.. 4.,,,. - 82 -
5. 39. 6.. 4.3.2. ( 9 ),, : 1.. 2.,,,,. 3.. 4.. 5.,,. 4.3.3. ( 10 ) 1.,,. 4.3.4. ( 7 ) 1. :.. (3), - (3)...,.3 6 23,, : ) ) ( ). ). - 83 -
) ( 390..) (..,..),. ),...,,.....,. 2. 4., 22.7.,.1 22.,, 38. 5. 2937/2001.. ( 2. 9.. 1667/96, ) 3. «2. 4». 4. -,., (, - 84 -
, ).2 3,.5.. 4.4. ( - - - - - - ) - ( 17 ) 1..,. 2. : ). ),,. ). ). ),. ). ). ). ). - ( 18 ) 1.,., 1/10. (1/10),,. (15). 2. (15),,. 3., - 85 -
. 4.. 5. -. 6.. - ( 19 ) 1.,,. 2. (10) (., )., (30). - - ( 20 ) 1..,,,,,. (2), (15).,..,,. 2.,., (7),,, (1/5)., (7),,, (7). 3., - 86 -
,,,,,, (.8 ), (1)., (1/3)., (1000), (400). 4...3, (4/5). 5..,. (1/20),. 6... 7..,,,,,.,,. 8.,,..3 11.3 44,.,,,. (4),,.. - 87 -
, (9). ( - ),,.,,., 4 19,.. 9.,,.. 4.5. 6 2007. 13/09/2007 189.566 ( - 1.) 96.. ( - 6.) 112. 10.434. 1.168.608,00. 6 2007 75.826. 80.000. 7.680.000,00. 35.000. 3.360.000,00. 0. 0,00 ( ) 125.434 ( ) 12.208.608,00 36,69 31/12/2006 ( - 2.) 89,96 ( - 4.) 116,00 29,35-88 -
.. 6 2007 : 1. 96 2. 112. 3. 2006 ( 3.9.4.) 31/12/2006. 4. 116. 5. 12.208.608,00. 6. 6 2007 ( ).. 2007 112. 10.434 4.174... 7.. 20 2007,., (2/5)... 20 2007,. 8....,...,. 9.., - 89 -
100. 112.... 35.000... 10. 1.201.. 8... 11. 6.... 12. 121.260.,. 13. 31/12/2007 2008. 2008 2008 14.,. 15.. 4.6.,. : 2.000.000. ( : 1.750.000 250.000 1.050.000 2007-2009. 150.000 ( 14 ). - 90 -
1.000.000..,.,. 400.000 2577/2007. 7.758.608.., (,,...)., 31/12/2006 21% 10%,,..,,.......,. 11.040.000,..,.. - 91 -
4.7, 3.8.3.. 31/12. 4.8-4.8.1. : )., 20 2007,. (2/5).. 20 2007,. ).,, 100. 112.... 115.000., : (06/09/2007) 189.566 36,69 6.955.177,00 125.434 36,69 4.602.173,46 315.000 36,69 11.557.350,46, 116,00 4.8.2. :.. :,, 1.201., 29,35. 125.434. - 92 -
..,. 6.. 4.8.3. ( 5 ) 1.,,,... 2.,,. 3.. 4.. 4.8.4. ( 6 ) 1..,,..,,,.,,,, 38. 5. 2937/2001» - 93 -
,,.,, 25. (, ),. 2.,,..,, (20). 25 (, ). 3., (, ). 4.9.. (.. 3.1). -... 4.10. : : +1 : +1 : +1. : +50. : +51. : +60 : +61 :.. - 94 -
4.11. (,,,,...) 80.000. : 3.000 40.000 10.000 2.000 8.200 (,...) 6.800 80.000 4.12. 6 2007,, 189.566. 115.000 304.566 ( 60%).. ( ). 4.13. 3.2... 4.14., ( 3) www.bankofthessaly.gr 2004-2006, 16/06/2005. 2004-2006 (..) 809/2004.. 06/09/2007. - 95 -
2004-2006 (..) 809/2004-96 -