{"id":65833,"date":"2018-05-14T00:31:00","date_gmt":"2018-05-13T21:31:00","guid":{"rendered":"https:\/\/new.palmografos.com\/?p=65833"},"modified":"2018-05-14T00:31:00","modified_gmt":"2018-05-13T21:31:00","slug":"vivvo-31132","status":"publish","type":"post","link":"https:\/\/www.palmografos.com\/?p=65833","title":{"rendered":"\u03a4\u03bf \u03bc\u03ae\u03bd\u03c5\u03bc\u03b1 \u03c0\u03bf\u03c5 \u03ba\u03bf\u03bc\u03af\u03b6\u03b5\u03b9 \u03b7 \u039d\u03bf\u03c5\u03af \u03c3\u03c4\u03bf\u03c5\u03c2 \u0388\u03bb\u03bb\u03b7\u03bd\u03b5\u03c2 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03af\u03c4\u03b5\u03c2"},"content":{"rendered":"<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a4\u03b7\u03c2 \u039d\u03ad\u03bd\u03b1\u03c2 \u039c\u03b1\u03bb\u03bb\u03b9\u03ac\u03c1\u03b1<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><br \/><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a4\u03b1 stress tests \u03c4\u03b5\u03bb\u03b5\u03af\u03c9\u03c3\u03b1\u03bd, \u03ad\u03c0\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03b5\u03be\u03b1\u03c4\u03bf\u03bc\u03af\u03ba\u03b5\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b5\u03b9\u03ba\u03c4\u03ce\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03be\u03b5\u03ba\u03b9\u03bd\u03ac \u03bf &#8220;\u03bc\u03b1\u03c1\u03b1\u03b8\u03ce\u03bd\u03b9\u03bf\u03c2&#8221; \u03b4\u03c1\u03ac\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03af\u03b1 \u03c4\u03c9\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03c4\u03bf\u03c5 2019 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b8\u03c9\u03c1\u03ac\u03ba\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c4\u03bf 2019 \u03ba\u03b1\u03b9 \u03c4\u03bf 2020.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u0388\u03c4\u03c3\u03b9 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03bb\u03bf\u03b3\u03af\u03c3\u03b5\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03bf \u03bd\u03ad\u03bf \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf \u03c0\u03bf\u03c5 \u03b1\u03bd\u03bf\u03af\u03b3\u03b5\u03c4\u03b1\u03b9 \u03bc\u03c0\u03c1\u03bf\u03c3\u03c4\u03ac \u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03bf\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c4\u03b5\u03c3\u03c4 \u03b1\u03bd\u03c4\u03bf\u03c7\u03ae\u03c2 \u03b7 \u03b5\u03c0\u03b9\u03ba\u03b5\u03c6\u03b1\u03bb\u03ae\u03c2 \u03c4\u03bf\u03c5 SSM, \u039d\u03c4\u03b1\u03bd\u03b9\u03ad\u03bb \u039d\u03bf\u03c5\u03af, \u03c3\u03c5\u03bd\u03b1\u03bd\u03c4\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03c5\u03c2 \u0388\u03bb\u03bb\u03b7\u03bd\u03b5\u03c2 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03af\u03c4\u03b5\u03c2 \u03c4\u03b7 \u0394\u03b5\u03c5\u03c4\u03ad\u03c1\u03b1 \u03c3\u03c4\u03b7\u03bd \u0391\u03b8\u03ae\u03bd\u03b1. \u0397 \u03c3\u03c5\u03bd\u03ac\u03bd\u03c4\u03b7\u03c3\u03b7 \u03b1\u03c5\u03c4\u03ae, \u03c0\u03bf\u03c5 \u03c3\u03c5\u03bc\u03c0\u03af\u03c0\u03c4\u03b5\u03b9 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03ac\u03c6\u03b9\u03be\u03b7 \u03c4\u03c9\u03bd &#8220;\u03b8\u03b5\u03c3\u03bc\u03ce\u03bd&#8221; \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ad\u03bd\u03b1\u03c1\u03be\u03b7 \u03c4\u03b7\u03c2 \u03c4\u03ad\u03c4\u03b1\u03c1\u03c4\u03b7\u03c2 \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2, \u03bc\u03b5 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ae \u03c4\u03b7\u03bd \u03ad\u03be\u03bf\u03b4\u03bf \u03c4\u03b7\u03c2 \u03c7\u03ce\u03c1\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf \u03c0\u03c1\u03cc\u03b3\u03c1\u03b1\u03bc\u03bc\u03b1 \u03c4\u03bf\u03bd \u0391\u03cd\u03b3\u03bf\u03c5\u03c3\u03c4\u03bf, \u03b8\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03c3\u03c4\u03bf \u03b5\u03c0\u03af\u03ba\u03b5\u03bd\u03c4\u03c1\u03bf \u03c4\u03b1 &#8220;\u03ba\u03cc\u03ba\u03ba\u03b9\u03bd\u03b1&#8221; \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><br \/><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><strong>\u0397 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1<\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u039f\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c0\u03ae\u03c1\u03b1\u03bd \u03ae\u03b4\u03b7 \u03c4\u03bf \u03c0\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03b7\u03c4\u03b9\u03ba\u03cc &#8220;\u03ba\u03b1\u03b8\u03b1\u03c1\u03ae\u03c2 \u03b5\u03be\u03cc\u03b4\u03bf\u03c5&#8221; \u03b1\u03c0\u03cc \u03c4\u03bf \u03c4\u03b5\u03c3\u03c4 \u03b1\u03bd\u03c4\u03bf\u03c7\u03ae\u03c2, \u03b1\u03af\u03c1\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ad\u03bd\u03b1 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc \u03b2\u03b1\u03c1\u03af\u03b4\u03b9 \u03b1\u03b2\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b7\u03c2 &#8220;\u03ba\u03b1\u03b8\u03b1\u03c1\u03ae\u03c2 \u03b5\u03be\u03cc\u03b4\u03bf\u03c5&#8221; \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03c7\u03ce\u03c1\u03b1\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b1 M\u03bd\u03b7\u03bc\u03cc\u03bd\u03b9\u03b1.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u039c\u03b5\u03c4\u03ac \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03c9\u03bd stress tests, \u03c4\u03bf \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03cc \u03c3\u03cd\u03c3\u03c4\u03b7\u03bc\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03ba\u03b5\u03c1\u03b4\u03af\u03c3\u03b5\u03b9 \u03c3\u03b5 \u03b1\u03be\u03b9\u03bf\u03c0\u03b9\u03c3\u03c4\u03af\u03b1, \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03cc\u03c4\u03b9 \u03b4\u03bf\u03ba\u03b9\u03bc\u03ac\u03c3\u03c4\u03b7\u03ba\u03b5 \u03c3\u03b5 \u03bc\u03b9\u03b1 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1 \u03b5\u03be\u03b1\u03b9\u03c1\u03b5\u03c4\u03b9\u03ba\u03ac \u03b4\u03cd\u03c3\u03ba\u03bf\u03bb\u03b7, \u03c4\u03b7\u03bd \u03bf\u03c0\u03bf\u03af\u03b1 \u03bc\u03ac\u03bb\u03b9\u03c3\u03c4\u03b1 \u03ba\u03bb\u03ae\u03b8\u03b7\u03ba\u03b5 \u03bd\u03b1 \u03b4\u03b9\u03b5\u03ba\u03c0\u03b5\u03c1\u03b1\u03b9\u03ce\u03c3\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03c0\u03bf\u03bb\u03cd \u03c3\u03c5\u03bd\u03c4\u03bf\u03bc\u03cc\u03c4\u03b5\u03c1\u03bf \u03c7\u03c1\u03cc\u03bd\u03bf \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03b1\u03c5\u03c4\u03cc\u03bd \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03ad\u03c7\u03bf\u03c5\u03bd \u03c3\u03c4\u03b7 \u03b4\u03b9\u03ac\u03b8\u03b5\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2 \u03bf\u03b9 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2. \u0391\u03c0\u03cc \u03c4\u03b7 \u03b4\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1 \u03b1\u03c5\u03c4\u03ae, \u03bf\u03b9 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b2\u03b3\u03ae\u03ba\u03b1\u03bd \u03bc\u03b5 \u03ba\u03b1\u03c4\u03ce\u03c4\u03b1\u03c4\u03bf\u03c5\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03cd\u03c1\u03b9\u03c9\u03bd \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03ce\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03b1\u03c0\u03cc 5,90% \u03bc\u03ad\u03c7\u03c1\u03b9 9,69%, \u03c0\u03b5\u03c1\u03bd\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03bf\u03bd \u03c0\u03ae\u03c7\u03b7 \u03b5\u03bb\u03ac\u03c7\u03b9\u03c3\u03c4\u03b7\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b7\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03af\u03c7\u03b5 \u03c4\u03b5\u03b8\u03b5\u03af \u03b3\u03b9\u03b1 \u03c4\u03b1 stress tests \u03c4\u03bf\u03c5 2014-2015. \u03a4\u03bf \u03b3\u03b5\u03b3\u03bf\u03bd\u03cc\u03c2 \u03cc\u03c4\u03b9 \u03b3\u03b9\u03b1 \u03ba\u03b1\u03bc\u03af\u03b1 \u03b4\u03b5\u03bd \u03b1\u03bd\u03ad\u03ba\u03c5\u03c8\u03b5 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03cc \u03ad\u03bb\u03bb\u03b5\u03b9\u03bc\u03bc\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b8\u03b5\u03c4\u03b9\u03ba\u03cc, \u03cc\u03bc\u03c9\u03c2 \u03b4\u03b5\u03bd \u03b5\u03c6\u03b7\u03c3\u03c5\u03c7\u03ac\u03b6\u03b5\u03b9, \u03bf\u03cd\u03c4\u03b5 \u03b2\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b5\u03bb\u03b5\u03af\u03b1, \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03b7\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03c4\u03bf\u03c5\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u0391\u03bd\u03c4\u03b9\u03b8\u03ad\u03c4\u03c9\u03c2, \u03bf \u03b2\u03b1\u03b8\u03bc\u03cc\u03c2 \u03c0\u03c1\u03bf\u03b1\u03b3\u03c9\u03b3\u03ae\u03c2 \u03c3\u03c4\u03bf stress test \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 &#8220;\u03b4\u03b9\u03ba\u03b1\u03b9\u03c9\u03b8\u03b5\u03af&#8221; \u03b5\u03c6\u03b5\u03be\u03ae\u03c2, \u03b1\u03c6\u03bf\u03cd \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03c6\u03c5\u03bb\u03ac\u03be\u03bf\u03c5\u03bd \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03bd\u03b9\u03c3\u03c7\u03cd\u03c3\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03c4\u03bf\u03c5\u03c2 \u03b8\u03ad\u03c3\u03b7. \u03a3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03b1\u03c5\u03c4\u03cc, \u03c4\u03bf \u03c0\u03c1\u03ce\u03c4\u03bf \u03ba\u03c1\u03af\u03c3\u03b9\u03bc\u03bf \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf \u03b1\u03bd\u03bf\u03af\u03b3\u03b5\u03b9 \u03c0\u03bf\u03bb\u03cd \u03ba\u03bf\u03bd\u03c4\u03ac \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1, \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b1\u03c1\u03c7\u03ad\u03c2 \u0399\u03bf\u03c5\u03bd\u03af\u03bf\u03c5, \u03bf\u03c0\u03cc\u03c4\u03b5 \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b8\u03b1 \u03bc\u03c0\u03bf\u03c5\u03bd \u03c3\u03b5 \u03ad\u03bd\u03b1\u03bd \u03b3\u03cd\u03c1\u03bf \u03b1\u03c5\u03c4\u03bf-\u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2 (ICAAP) \u03ba\u03b1\u03b9 \u03b4\u03b9\u03b1\u03bb\u03cc\u03b3\u03bf\u03c5 \u03bc\u03b5 \u03c4\u03bf\u03bd SSM \u03b5\u03c0\u03af \u03cc\u03bb\u03c9\u03bd \u03c4\u03c9\u03bd \u03b8\u03b5\u03bc\u03ac\u03c4\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b1\u03c6\u03bf\u03c1\u03bf\u03cd\u03bd \u03c4\u03bf\u03c5\u03c2 \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03b7\u03b3\u03ad\u03c2 \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1\u03c2. \u039f \u03ad\u03bb\u03b5\u03b3\u03c7\u03bf\u03c2 \u03b1\u03c5\u03c4\u03cc\u03c2 \u03b8\u03b1 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03ac\u03c0\u03bf\u03c8\u03b7 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03cc\u03c0\u03c4\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03ad\u03c7\u03b5\u03b9 \u03b7 \u03ba\u03ac\u03b8\u03b5 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03b1\u03bd\u03b1\u03bb\u03cc\u03b3\u03c9\u03c2 \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c6\u03af\u03bb \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03b4\u03cc\u03c3\u03b5\u03ce\u03bd \u03c4\u03b7\u03c2, \u03ba\u03b1\u03c4\u03b1\u03bb\u03ae\u03b3\u03bf\u03bd\u03c4\u03b1\u03c2 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c4\u03b5\u03bb\u03b9\u03ba\u03ae \u03b5\u03b9\u03ba\u03cc\u03bd\u03b1 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03c4\u03b7\u03c2 \u03ba\u03b1\u03b8\u03b5\u03bc\u03b9\u03ac\u03c2, \u03cc\u03c0\u03c9\u03c2 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9, \u03c4\u03bf\u03bd \u039d\u03bf\u03ad\u03bc\u03b2\u03c1\u03b9\u03bf. \u0386\u03c1\u03b1, \u03c4\u03bf \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf \u03b5\u03be\u03ac\u03bc\u03b7\u03bd\u03bf \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03bf\u03c5 \u03b8\u03b1 &#8220;\u03c0\u03bf\u03c3\u03bf\u03c4\u03b9\u03ba\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9&#8221; \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03af\u03b1 \u03c4\u03b7\u03c2 \u03ba\u03ac\u03b8\u03b5 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1\u03c2 \u03c3\u03c4\u03b1 stress tests \u03c0\u03bf\u03c5 \u03bf\u03bb\u03bf\u03ba\u03bb\u03b7\u03c1\u03ce\u03b8\u03b7\u03ba\u03b1\u03bd \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03b1, \u03ba\u03b1\u03c4\u03b1\u03bb\u03ae\u03b3\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03b5\u03be\u03b1\u03c4\u03bf\u03bc\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03bf\u03c5\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c4\u03c5\u03c0\u03ce\u03bd\u03bf\u03c5\u03bd \u03b5\u03c0\u03b1\u03ba\u03c1\u03b9\u03b2\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03c0\u03b9\u03b8\u03b1\u03bd\u03ad\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03c0\u03c1\u03cc\u03c3\u03b8\u03b5\u03c4\u03c9\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ba\u03b1\u03b8\u03b5\u03bc\u03b9\u03ac.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><br \/><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><strong>\u0391\u03c5\u03be\u03b7\u03bc\u03ad\u03bd\u03b7 \u03c0\u03af\u03b5\u03c3\u03b7<\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u0397 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ae \u03c4\u03bf\u03c5 \u03b5\u03be\u03b1\u03c4\u03bf\u03bc\u03b9\u03ba\u03b5\u03c5\u03bc\u03ad\u03bd\u03bf\u03c5 \u03bf\u03c1\u03b9\u03c3\u03bc\u03bf\u03cd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03b5\u03c0\u03b9\u03c4\u03b5\u03af\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c0\u03af\u03b5\u03c3\u03b7 \u03c3\u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03b1\u03c7\u03cd\u03bd\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03b5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03b4\u03b9\u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03b6\u03bf\u03c5\u03bd \u03c4\u03b7\u03bd \u03c5\u03b3\u03b5\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03cc\u03c4\u03b7\u03c4\u03ac \u03c4\u03bf\u03c5\u03c2. \u03a3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03b1\u03c5\u03c4\u03cc, \u03b7 \u03b5\u03c0\u03af\u03c3\u03ba\u03b5\u03c8\u03b7 \u039d\u03bf\u03c5\u03af \u03c3\u03c4\u03b7\u03bd \u0391\u03b8\u03ae\u03bd\u03b1 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03c4\u03b9\u03c2 \u03b4\u03b9\u03b1\u03c6\u03c9\u03c4\u03af\u03c3\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c0\u03ce\u03c2 \u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03b5\u03c6\u03b5\u03be\u03ae\u03c2 \u03bf \u03b5\u03c0\u03cc\u03c0\u03c4\u03b7\u03c2 \u03c4\u03bf\u03bd \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b7\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b9\u03c3\u03c7\u03cd\u03bf\u03c2 \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd, \u03c0\u03bf\u03b9\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b7 \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03b8\u03ad\u03c4\u03b5\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03b5 \u03c0\u03bf\u03b9\u03bf \u03c3\u03ba\u03b5\u03c0\u03c4\u03b9\u03ba\u03cc \u03ad\u03b3\u03b9\u03bd\u03b5 \u03b7 \u03b1\u03c0\u03bf\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2 \u03ba\u03b1\u03c4\u03ac \u03c4\u03bf \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03bf stress test.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u0397 \u03ba\u03b1\u03c4\u03b5\u03cd\u03b8\u03c5\u03bd\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03c0\u03ce\u03c2 \u03bf \u03b5\u03c0\u03cc\u03c0\u03c4\u03b7\u03c2 \u03bf\u03c1\u03af\u03b6\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03b8\u03ad\u03bb\u03b5\u03b9 \u03c4\u03b7\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1 \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c0\u03b9\u03b8\u03b1\u03bd\u03bf\u03bb\u03bf\u03b3\u03b5\u03af\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b1\u03ba\u03cc\u03bc\u03b1 \u03c0\u03b9\u03bf \u03b1\u03c5\u03c3\u03c4\u03b7\u03c1\u03ae, \u03c9\u03c2 \u03c0\u03c1\u03bf\u03bb\u03b7\u03c0\u03c4\u03b9\u03ba\u03cc &#8220;\u03b1\u03bd\u03c4\u03af\u03b2\u03b1\u03c1\u03bf&#8221; \u03c3\u03c4\u03b9\u03c2 \u03c6\u03c9\u03bd\u03ad\u03c2, \u03bc\u03b5\u03c4\u03b1\u03be\u03cd \u03c4\u03c9\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03af\u03c9\u03bd \u03b5\u03c4\u03b1\u03af\u03c1\u03c9\u03bd, \u03c0\u03bf\u03c5 \u03c0\u03b9\u03ad\u03b6\u03bf\u03c5\u03bd \u03b3\u03b9\u03b1 \u03c0\u03bf\u03bb\u03b9\u03c4\u03b9\u03ba\u03ae \u03ba\u03b1\u03b9 \u03cc\u03c7\u03b9 \u03c4\u03b5\u03c7\u03bd\u03bf\u03ba\u03c1\u03b1\u03c4\u03b9\u03ba\u03ae \u03b5\u03ba\u03c0\u03c1\u03bf\u03c3\u03ce\u03c0\u03b7\u03c3\u03b7 \u03c3\u03c4\u03b7\u03bd \u0395\u039a\u03a4 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf\u03bd SSM.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a3\u03b7\u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03bf\u03cd\u03c4\u03c9\u03c2 \u03ae \u03ac\u03bb\u03bb\u03c9\u03c2 \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ba\u03b1\u03bb\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03bd\u03c3\u03c9\u03bc\u03b1\u03c4\u03ce\u03c3\u03bf\u03c5\u03bd \u03ad\u03bd\u03b1 \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf \u03c6\u03ac\u03c3\u03bc\u03b1 \u03c1\u03c5\u03b8\u03bc\u03b9\u03c3\u03c4\u03b9\u03ba\u03ce\u03bd \u03ba\u03b1\u03b9 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03ce\u03bd \u03b1\u03bb\u03bb\u03b1\u03b3\u03ce\u03bd \u2013 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c1\u03c5\u03b8\u03bc\u03af\u03c3\u03b5\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03bf\u03c5\u03bd \u03c4\u03bf \u03bd\u03ad\u03bf \u03bb\u03bf\u03b3\u03b9\u03c3\u03c4\u03b9\u03ba\u03cc \u03c0\u03c1\u03cc\u03c4\u03c5\u03c0\u03bf IFRS 9, \u03c4\u03b9\u03c2 \u03c7\u03c1\u03bf\u03bd\u03bf\u03bb\u03bf\u03b3\u03b9\u03ba\u03ad\u03c2 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03b9\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u039a\u03a4 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd SSM (addendum), \u03c4\u03bf \u03bd\u03ad\u03bf \u03c3\u03c7\u03ad\u03b4\u03b9\u03bf \u03b4\u03c1\u03ac\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae\u03c2 \u0395\u03c0\u03b9\u03c4\u03c1\u03bf\u03c0\u03ae\u03c2, \u03c4\u03bf TRIM, \u03c4\u03b9\u03c2 \u03bf\u03b4\u03b7\u03b3\u03af\u03b5\u03c2 PSD2 \u03ba\u03b1\u03b9 MiFiD2, \u03bc\u03ad\u03c7\u03c1\u03b9 \u03bc\u03b5\u03bb\u03bb\u03bf\u03bd\u03c4\u03b9\u03ba\u03ac \u03c4\u03bf MREL \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03bf\u03b4\u03b7\u03b3\u03af\u03b5\u03c2 \u03c4\u03b7\u03c2 \u0392\u03b1\u03c3\u03b9\u03bb\u03b5\u03af\u03b1\u03c2 IV. \u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1, \u03c3\u03b5 \u03c0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03cc \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03b8\u03b1 \u03b3\u03af\u03bd\u03b5\u03b9 \u03b1\u03c5\u03c3\u03c4\u03b7\u03c1\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b7 \u03c0\u03bf\u03bb\u03b9\u03c4\u03b9\u03ba\u03ae \u03c3\u03c7\u03b7\u03bc\u03b1\u03c4\u03b9\u03c3\u03bc\u03bf\u03cd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03b5\u03c0\u03b9\u03c3\u03c6\u03b1\u03bb\u03b5\u03af\u03c2 \u03b1\u03c0\u03b1\u03b9\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><strong><br \/><\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\"><strong>\u03a4\u03b1 &#8220;\u03ba\u03cc\u03ba\u03ba\u03b9\u03bd\u03b1&#8221; \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1<\/strong><\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a3\u03c4\u03b7\u03bd \u03ba\u03bf\u03c1\u03c5\u03c6\u03ae \u03c4\u03b7\u03c2 \u03b1\u03c4\u03b6\u03ad\u03bd\u03c4\u03b1\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03cc\u03c0\u03c9\u03c2 \u03b8\u03b1 \u03b4\u03b7\u03bb\u03c9\u03b8\u03b5\u03af \u03c3\u03c4\u03b9\u03c2 \u03bc\u03b5\u03b8\u03b1\u03c5\u03c1\u03b9\u03b1\u03bd\u03ad\u03c2 \u03c3\u03c5\u03bd\u03b1\u03bd\u03c4\u03ae\u03c3\u03b5\u03b9\u03c2 \u039d\u03bf\u03c5\u03af-\u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03c4\u03ce\u03bd, \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03bf\u03c5\u03bd \u03c4\u03b1 &#8220;\u03ba\u03cc\u03ba\u03ba\u03b9\u03bd\u03b1&#8221; \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03bb\u03b7\u03c1\u03bf\u03c6\u03bf\u03c1\u03af\u03b5\u03c2 \u03c4\u03bf\u03c5 &#8220;\u039a\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5&#8221;, \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b8\u03b1 \u03ba\u03bb\u03b7\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03b5\u03c4\u03bf\u03b9\u03bc\u03ac\u03c3\u03bf\u03c5\u03bd \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03b2\u03ac\u03bb\u03bf\u03c5\u03bd \u03c3\u03c4\u03bf\u03bd SSM \u03c4\u03bf\u03bd \u03c0\u03c1\u03bf\u03c3\u03b5\u03c7\u03ae \u039f\u03ba\u03c4\u03ce\u03b2\u03c1\u03b9\u03bf \u03c4\u03b7 \u03bd\u03ad\u03b1 \u03c3\u03c4\u03bf\u03c7\u03bf\u03b8\u03b5\u03c3\u03af\u03b1 \u03c4\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1 \u03b1\u03bd\u03bf\u03af\u03b3\u03bc\u03b1\u03c4\u03b1 \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2020. \u039c\u03ad\u03c3\u03b1, \u03b4\u03b7\u03bb\u03b1\u03b4\u03ae, \u03c3\u03b5 \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c0\u03cc \u03ad\u03bd\u03b1 \u03b5\u03be\u03ac\u03bc\u03b7\u03bd\u03bf \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b1 \u03c0\u03bf\u03c1\u03af\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03bf\u03c5 stress test, \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf \u03bd\u03ad\u03bf \u03c0\u03bb\u03ac\u03bd\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b1\u03bd\u03bf\u03b9\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2020 \u03ba\u03b1\u03b9 \u03c4\u03b7 \u03c3\u03c4\u03c1\u03b1\u03c4\u03b7\u03b3\u03b9\u03ba\u03ae \u03c5\u03bb\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03ae\u03c2 \u03c4\u03bf\u03c5. \u0391\u03c5\u03c4\u03cc, \u03c4\u03b7 \u03c3\u03c4\u03b9\u03b3\u03bc\u03ae \u03c0\u03bf\u03c5 \u03c0\u03b1\u03c1\u03b1\u03bc\u03ad\u03bd\u03b5\u03b9 \u03b1\u03ba\u03cc\u03bc\u03b7 \u03ac\u03b3\u03bd\u03c9\u03c3\u03c4\u03bf \u2013\u03c0\u03b1\u03c1\u03ac \u03c4\u03b1 \u03b5\u03c5\u03c7\u03bf\u03bb\u03cc\u03b3\u03b9\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03b4\u03b7\u03bb\u03ce\u03c3\u03b5\u03b9\u03c2 \u03b1\u03b9\u03c3\u03b9\u03bf\u03b4\u03bf\u03be\u03af\u03b1\u03c2\u2013 \u03b1\u03bd \u03b8\u03b1 \u03bc\u03c0\u03bf\u03c1\u03ad\u03c3\u03bf\u03c5\u03bd \u03bd\u03b1 \u03b5\u03c0\u03b9\u03c4\u03cd\u03c7\u03bf\u03c5\u03bd \u03c4\u03bf\u03c5\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5\u03c2 \u03c0\u03bf\u03c5 \u03ad\u03c7\u03bf\u03c5\u03bd \u03b8\u03ad\u03c3\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03bf 2018. \u039a\u03b1\u03b9, \u03cc\u03c0\u03c9\u03c2 \u03bf\u03bc\u03bf\u03bb\u03bf\u03b3\u03bf\u03cd\u03bd \u03ba\u03b1\u03c4&#8217; \u03b9\u03b4\u03af\u03b1\u03bd \u03bf\u03b9 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03af\u03c4\u03b5\u03c2, \u03bf\u03b9 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03c3\u03c4\u03bf \u03b8\u03b5\u03c3\u03bc\u03b9\u03ba\u03cc \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03ba\u03b1\u03b9 \u03c4\u03b1 \u03b5\u03c1\u03b3\u03b1\u03bb\u03b5\u03af\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b7 \u03bc\u03b5\u03af\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b1\u03bd\u03bf\u03b9\u03b3\u03bc\u03ac\u03c4\u03c9\u03bd \u03b4\u03b5\u03bd \u03ad\u03c7\u03bf\u03c5\u03bd \u03b1\u03c0\u03bf\u03b4\u03ce\u03c3\u03b5\u03b9 \u03c4\u03b1 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03ce\u03bc\u03b5\u03bd\u03b1, \u03cc\u03c0\u03c9\u03c2 \u03c4\u03b1 \u03c3\u03c7\u03b5\u03b4\u03af\u03b1\u03b6\u03b1\u03bd \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03bf\u03bd \u039f\u03ba\u03c4\u03ce\u03b2\u03c1\u03b9\u03bf \u03c4\u03bf\u03c5 2017, \u03cc\u03c4\u03b1\u03bd \u03c5\u03c0\u03ad\u03b2\u03b1\u03bb\u03b1\u03bd \u03c4\u03b7 \u03c6\u03b5\u03c4\u03b9\u03bd\u03ae \u03c3\u03c4\u03bf\u03c7\u03bf\u03b8\u03b5\u03c3\u03af\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b1 NPEs.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u0392\u03ac\u03c3\u03b5\u03b9 \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03bf\u03c2, \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 2019 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03c4\u03b1\u03b9 \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b1\u03c0\u03bf\u03ba\u03bb\u03b9\u03bc\u03ac\u03ba\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd &#8220;\u03ba\u03cc\u03ba\u03ba\u03b9\u03bd\u03c9\u03bd&#8221; \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b5\u03c9\u03c2 \u03c4\u03c9\u03bd 30 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce. \u0391\u03ba\u03cc\u03bc\u03b1 \u03ba\u03b1\u03b9 \u03b1\u03bd \u03bf \u03b1\u03c0\u03b1\u03b9\u03c4\u03b7\u03c4\u03b9\u03ba\u03cc\u03c2 \u03b1\u03c5\u03c4\u03cc\u03c2 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b5\u03c0\u03b9\u03c4\u03b5\u03c5\u03c7\u03b8\u03b5\u03af, \u03b8\u03b1 \u03bc\u03b5\u03c4\u03b1\u03c6\u03c1\u03ac\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03bb\u03cc\u03b3\u03bf NPEs \u03c0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 \u03c3\u03c4\u03bf 35% \u03c3\u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5 \u03ad\u03c4\u03bf\u03c5\u03c2. \u0388\u03bd\u03b1\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b7\u03c2 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf 49% \u03c4\u03bf\u03c5 \u03c4\u03ad\u03bb\u03bf\u03c5\u03c2 \u03c4\u03bf\u03c5 2017, \u03b1\u03bb\u03bb\u03ac \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf\u03c2 \u03b1\u03c0\u03cc \u03c4\u03bf 5,5% \u03c4\u03bf\u03c5 \u03bc\u03ad\u03c3\u03bf\u03c5 \u03cc\u03c1\u03bf\u03c5 \u03c4\u03b7\u03c2 \u0395\u03c5\u03c1\u03c9\u03b6\u03ce\u03bd\u03b7\u03c2.<\/span><\/p>\n<p style=\"text-align: justify\"><span style=\"font-size: large\">\u03a4\u03bf \u03b3\u03b5\u03b3\u03bf\u03bd\u03cc\u03c2 \u03b1\u03c5\u03c4\u03cc \u03c0\u03b9\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03b5\u03af \u03c4\u03b7\u03bd \u03ad\u03bd\u03c4\u03b1\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03b9\u03ad\u03c3\u03b5\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03b1\u03c3\u03ba\u03b7\u03b8\u03bf\u03cd\u03bd \u03c3\u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b1\u03c7\u03cd\u03c4\u03b5\u03c1\u03b7 \u03ba\u03b1\u03b9 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03b7 \u03b1\u03bd\u03c4\u03b9\u03bc\u03b5\u03c4\u03ce\u03c0\u03b9\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b2\u03bb\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u03c4\u03c9\u03bd NPEs \u03cc\u03c3\u03bf \u03c0\u03bb\u03b7\u03c3\u03b9\u03ac\u03b6\u03bf\u03c5\u03bc\u03b5 \u03c4\u03bf 2019, \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b5\u03bd \u03cc\u03c8\u03b5\u03b9 \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5 \u03c3\u03c4\u03cc\u03c7\u03bf\u03c5 \u03c4\u03b7\u03c2 \u03bf\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7\u03c2 \u03c4\u03b7\u03c2 \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ae\u03c2 \u03ad\u03bd\u03c9\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03ce\u03c0\u03b7. \u0395\u03c0\u03bf\u03bc\u03ad\u03bd\u03c9\u03c2, \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c6\u03b1\u03bd\u03ad\u03c2 \u03cc\u03c4\u03b9 \u03c0\u03c9\u03bb\u03ae\u03c3\u03b5\u03b9\u03c2, \u03b1\u03bd\u03b1\u03b4\u03b9\u03b1\u03c1\u03b8\u03c1\u03ce\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c1\u03b5\u03c5\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9\u03c2 (\u03c0\u03bb\u03b5\u03b9\u03c3\u03c4\u03b7\u03c1\u03b9\u03b1\u03c3\u03bc\u03bf\u03af) \u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03bf\u03c1\u03c5\u03c6\u03b1\u03af\u03b1 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c4\u03b6\u03ad\u03bd\u03c4\u03b1 \u03c4\u03bf\u03c5 SSM \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2.<\/span><\/p>\n<p style=\"text-align: justify\"><a href=\"http:\/\/www.capital.gr\/oikonomia\/3291942\/to-minuma-pou-komizei-i-noui-stous-ellines-trapezites\"><span style=\"font-size: large\">Capital.gr<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u03a4\u03b7\u03c2 \u039d\u03ad\u03bd\u03b1\u03c2 \u039c\u03b1\u03bb\u03bb\u03b9\u03ac\u03c1\u03b1 \u03a4\u03b1 stress tests \u03c4\u03b5\u03bb\u03b5\u03af\u03c9\u03c3\u03b1\u03bd, \u03ad\u03c0\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03b5\u03be\u03b1\u03c4\u03bf\u03bc\u03af\u03ba\u03b5\u03c5\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b4\u03b5\u03b9\u03ba\u03c4\u03ce\u03bd \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae\u03c2 \u03b5\u03c0\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03be\u03b5\u03ba\u03b9\u03bd\u03ac \u03bf &#8220;\u03bc\u03b1\u03c1\u03b1\u03b8\u03ce\u03bd\u03b9\u03bf\u03c2&#8221; \u03b4\u03c1\u03ac\u03c3\u03b7\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03c4\u03c5\u03c7\u03af\u03b1 \u03c4\u03c9\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03c4\u03bf\u03c5 2019 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b1\u03b9\u03c4\u03ad\u03c1\u03c9 \u03b8\u03c9\u03c1\u03ac\u03ba\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ce\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd \u03c4\u03bf 2019 \u03ba\u03b1\u03b9 \u03c4\u03bf 2020. \u0388\u03c4\u03c3\u03b9 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03c0\u03c1\u03bf\u03bb\u03bf\u03b3\u03af\u03c3\u03b5\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c4\u03bf \u03bd\u03ad\u03bf \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03bf \u03c0\u03bf\u03c5 \u03b1\u03bd\u03bf\u03af\u03b3\u03b5\u03c4\u03b1\u03b9 \u03bc\u03c0\u03c1\u03bf\u03c3\u03c4\u03ac \u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03bf\u03bb\u03bf\u03ba\u03bb\u03ae\u03c1\u03c9\u03c3\u03b7 \u03c4\u03bf\u03c5 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":98725,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[75,7588,511,4390],"class_list":["post-65833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivvo-category-10","tag-75","tag-7588","tag-511","tag-4390"],"_links":{"self":[{"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/posts\/65833","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=65833"}],"version-history":[{"count":1,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/posts\/65833\/revisions"}],"predecessor-version":[{"id":111855,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/posts\/65833\/revisions\/111855"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=\/wp\/v2\/media\/98725"}],"wp:attachment":[{"href":"https:\/\/www.palmografos.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=65833"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=65833"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.palmografos.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=65833"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}