{"id":86305,"date":"2025-02-27T11:43:35","date_gmt":"2025-02-27T09:43:35","guid":{"rendered":"https:\/\/sournews.gr\/?p=86305"},"modified":"2025-03-04T16:24:11","modified_gmt":"2025-03-04T14:24:11","slug":"ubs-%cf%85%cf%88%ce%b7%ce%bb%cf%8c%cf%84%ce%b5%cf%81%ce%b7-%cf%84%ce%b9%ce%bc%ce%ae-%cf%83%cf%84%cf%8c%cf%87%ce%bf%cf%82-%ce%b3%ce%b9%ce%b1-%cf%80%ce%b5%ce%b9%cf%81%ce%b1%ce%b9%cf%8e%cf%82","status":"publish","type":"post","link":"https:\/\/sournews.gr\/?p=86305","title":{"rendered":"UBS: \u03a5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b3\u03b9\u03b1 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2"},"content":{"rendered":"<div data-td-block-uid=\"tdi_106\" readability=\"54.788732394366\">\n<div class=\"tdb-block-inner td-fix-index\" readability=\"54.788732394366\">\n<p>\u03a3\u03c4\u03b1 6,30 \u03b5\u03c5\u03c1\u03ce, \u03b1\u03c0\u03cc 5,70 \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2, \u03b1\u03bd\u03b5\u03b2\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b7\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03b7 UBS, \u03bc\u03b5\u03c4\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 2024 \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03ba\u03b1\u03b9\u03c1\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 business plan \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03b7 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1.<\/p>\n<p>\u0395\u03b9\u03b4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03b1, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1\u00a0 \u03bc\u03b5 \u03c4\u03b7 UBS, \u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03c4\u03bf \u03b4\u2019 \u03c4\u03c1\u03af\u03bc\u03b7\u03bd\u03bf 2024 \u03ae\u03c4\u03b1\u03bd \u03b9\u03c3\u03c7\u03c5\u03c1\u03ac, \u03cc\u03c0\u03c9\u03c2 \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03c4\u03b1\u03bd, \u03b5\u03bd\u03ce \u03c4\u03bf \u03bd\u03ad\u03bf \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03cc \u03c3\u03c7\u03ad\u03b4\u03b9\u03bf \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03cc \u03ad\u03c4\u03bf\u03c2 2028 \u03bf\u03b4\u03b7\u03b3\u03b5\u03af \u03c3\u03b5 \u03b1\u03bd\u03b1\u03b2\u03ac\u03b8\u03bc\u03b9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03ba\u03b1\u03b8\u03b1\u03c1\u03ac \u03ad\u03c3\u03bf\u03b4\u03b1 \u03b1\u03c0\u03cc \u03c4\u03cc\u03ba\u03bf\u03c5\u03c2 (NII) \u03ba\u03b1\u03c4\u03ac 7% (\u03c9\u03c2 \u03c4\u03bf 2028), \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03cc\u03c4\u03b9 \u03c4\u03bf \u03ba\u03b1\u03b8\u03b1\u03c1\u03cc \u03b5\u03c0\u03b9\u03c4\u03bf\u03ba\u03b9\u03b1\u03ba\u03cc \u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf (NIM) \u03b8\u03b1 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03bf\u03c0\u03bf\u03b9\u03b7\u03b8\u03b5\u03af \u03c3\u03b5 \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf (2,6%), \u03c4\u03b1 \u03b5\u03bd\u03ae\u03bc\u03b5\u03c1\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03b8\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03bf\u03cd\u03bd \u03ba\u03b1\u03c4\u03ac 7,5% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 (2024-2028), \u03b5\u03bd\u03ce \u03c4\u03b1 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03bc\u03b1\u03c4\u03b9\u03ba\u03ac \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03b8\u03b1 \u03b1\u03c5\u03be\u03b7\u03b8\u03bf\u03cd\u03bd \u03ba\u03b1\u03c4\u03ac 9% \u03b5\u03c4\u03b7\u03c3\u03af\u03c9\u03c2 \u03b1\u03c0\u03cc \u03c4\u03b7 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03bf\u03c5 2024 (+16% y\/y).<\/p>\n<p>\u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7 UBS, \u03b7 \u03ba\u03b5\u03c1\u03b4\u03bf\u03c6\u03bf\u03c1\u03af\u03b1 \u03b8\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03b5\u03c1\u03af\u03c0\u03bf\u03c5 7% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b7 \u03bc\u03ad\u03c7\u03c1\u03b9 \u03c4\u03bf 2028,\u00a0 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 ROTE \u03bd\u03b1 \u03c6\u03c4\u03ac\u03bd\u03b5\u03b9 \u03c4\u03bf 14%, \u03bc\u03b5 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b2\u03ac\u03c3\u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03c9\u03bd (CET1 16,3%), \u03c5\u03c0\u03bf\u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03bd\u03c4\u03b1\u03c2 ROTE \u03c4\u03b7\u03c2 \u03c4\u03ac\u03be\u03b7\u03c2 \u03c4\u03bf\u03c5 16%. \u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7 \u03c3\u03c5\u03bd\u03b1\u03b9\u03bd\u03b5\u03c4\u03b9\u03ba\u03ae \u03b5\u03ba\u03c4\u03af\u03bc\u03b7\u03c3\u03b7 (consensus) \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ce\u03bd, \u03c0\u03c1\u03bf\u03c4\u03b5\u03af\u03bd\u03b5\u03c4\u03b1\u03b9 \u03ad\u03bd\u03b1 \u03bc\u03b5\u03c4\u03c1\u03b9\u03bf\u03c0\u03b1\u03b8\u03ad\u03c2 (moderate) buy \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2, \u03bc\u03b5 \u03bc\u03ad\u03c3\u03b7 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b1 6,3 \u03b5\u03c5\u03c1\u03ce, \u03c0\u03bf\u03c5 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af upside (\u03c0\u03b5\u03c1\u03b9\u03b8\u03ce\u03c1\u03b9\u03bf \u03b1\u03bd\u03cc\u03b4\u03bf\u03c5) 41,16% \u03b1\u03c0\u03cc \u03c4\u03b1 \u03c4\u03c1\u03ad\u03c7\u03bf\u03bd\u03c4\u03b1 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1.<\/p>\n<p>\u0397 \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac 10,5% \u03c5\u03c8\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03b1, \u03c3\u03c4\u03b1 6,30 \u03b5\u03c5\u03c1\u03ce, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03b7 UBS \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c7\u03ae \u03b2\u03b9\u03ce\u03c3\u03b9\u03bc\u03bf\u03c5 ROTE (\u03c3\u03c4\u03bf CET1 \u03c4\u03bf\u03c5 13%) \u03c3\u03c4\u03bf 15% (14,2% \u03c0\u03c1\u03b9\u03bd) \u03ba\u03b1\u03b9 \u03bc\u03b5\u03b9\u03ce\u03bd\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c5\u03c0\u03cc\u03b8\u03b5\u03c3\u03b7 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03ba\u03cc\u03c3\u03c4\u03bf\u03c2 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03af\u03bf\u03c5 \u03c3\u03c4\u03bf 15% (15,5% \u03c0\u03c1\u03b9\u03bd).<\/p>\n<div class=\"sharedaddy sd-sharing-enabled\">\n<div class=\"robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing\">\n<h3 class=\"sd-title\">\u039a\u03bf\u03b9\u03bd\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03c4\u03b5:<\/h3>\n<\/div>\n<\/div>\n<div class=\"sharedaddy sd-block sd-like jetpack-likes-widget-wrapper jetpack-likes-widget-unloaded\" id=\"like-post-wrapper-192187765-488083-67c70d05d9bee\" data-src=\"https:\/\/widgets.wp.com\/likes\/?ver=14.2#blog_id=192187765&#038;post_id=488083&#038;origin=finupnews.gr&#038;obj_id=192187765-488083-67c70d05d9bee&#038;n=1\" data-name=\"like-post-frame-192187765-488083-67c70d05d9bee\" data-title=\"Like or Reblog\">\n<h3 class=\"sd-title\">\u039c\u03bf\u03c5 \u03b1\u03c1\u03ad\u03c3\u03b5\u03b9 \u03b1\u03c5\u03c4\u03cc:<\/h3>\n<p><span class=\"button\"><span>Like<\/span><\/span> <span class=\"loading\">\u03a6\u03cc\u03c1\u03c4\u03c9\u03c3\u03b7&#8230;<\/span><\/p>\n<p><span class=\"sd-text-color\"><\/span><a class=\"sd-link-color\"><\/a><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u03a3\u03c4\u03b1 6,30 \u03b5\u03c5\u03c1\u03ce, \u03b1\u03c0\u03cc 5,70 \u03b5\u03c5\u03c1\u03ce \u03c0\u03c1\u03bf\u03b7\u03b3\u03bf\u03c5\u03bc\u03ad\u03bd\u03c9\u03c2, \u03b1\u03bd\u03b5\u03b2\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c4\u03b9\u03bc\u03ae \u03c3\u03c4\u03cc\u03c7\u03bf \u03c4\u03b7\u03c2 \u03a0\u03b5\u03b9\u03c1\u03b1\u03b9\u03ce\u03c2 \u03b7 UBS, \u03bc\u03b5\u03c4\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b1\u03bd\u03b1\u03ba\u03bf\u03af\u03bd\u03c9\u03c3\u03b7 \u03c4\u03c9\u03bd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03c3\u03bc\u03ac\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 2024 \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03b5\u03c0\u03b9\u03ba\u03b1\u03b9\u03c1\u03bf\u03c0\u03bf\u03af\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 business plan&hellip; <\/p>\n","protected":false},"author":2,"featured_media":86306,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-86305","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-4"],"_links":{"self":[{"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/posts\/86305","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/sournews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=86305"}],"version-history":[{"count":8,"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/posts\/86305\/revisions"}],"predecessor-version":[{"id":87638,"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/posts\/86305\/revisions\/87638"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sournews.gr\/index.php?rest_route=\/wp\/v2\/media\/86306"}],"wp:attachment":[{"href":"https:\/\/sournews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=86305"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sournews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=86305"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sournews.gr\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=86305"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}