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5/23/2018
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1
-
5/23/2018
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5/23/2018
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5/23/2018
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5/23/2018
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5/23/2018
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5/23/2018
46/138
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5/23/2018
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5/23/2018
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5/23/2018
49/138
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5/23/2018
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5/23/2018
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20 .
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5/23/2018
55/138
54
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-
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57/138
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-
5/23/2018
58/138
57
2
4.750.000 3.350.000
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5/23/2018
59/138
58
, , ,
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5/23/2018
60/138
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5/23/2018
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60
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5/23/2018
62/138
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63/138
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.
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5/23/2018
64/138
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5/23/2018
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5/23/2018
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3
3.3
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5/23/2018
69/138
68
3.3.2
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5/23/2018
70/138
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5/23/2018
71/138
70
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5/23/2018
72/138
71
3.3.4
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5/23/2018
73/138
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5/23/2018
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5/23/2018
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5/23/2018
77/138
76
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4
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5/23/2018
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5/23/2018
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.
. ' '
39.000,00, ' ', 60.000,00, 22 .
....
,
, 2,2% 100%
', 90% ', 80% ' 60% .
,
,
.
.
,
.
-
5/23/2018
87/138
86
110% 100%
. .
60.000,00 22
.
, 80%.
,
(, ..),
....
, .
/
....,
, .
100% ,
.
.
15 . .
... ,
, 1%, 2% 2,2%
100%.
-
5/23/2018
88/138
87
4.4.2 -
"ESTIA -1" "ESTIA -3"
3,25%
3,95% .
10.000 100%
100%
.
ESTIA -1 10 40
ESTIA -3 20 40 .
ESTIA -1 ESTIA -3
,
Euribor 1, ...,
.
, "ESTIA -1"
3,25% "ESTIA
-3" 3,95%
, .
:
ESTIA -1 ESTIA -3
:
, , , , ,
,
.
:
,
, ,
:
.
1 .
-
5/23/2018
89/138
88
:
.
:
.
,
,
.
:
.
:
,
(, ,
- , ..).
,
.
.
/ :
, ,
, ( ) (
) ,
. ,
,
.
.
8.000 ,
,
, .
-
5/23/2018
90/138
89
-
MasterCard -VISA .
Plus,
.
ESTIA -2
3,7% .
10.000
100%
100%
.
10 40 .
ESTIA -2
, Euribor
1, ...,
.
,
3,7% ,
.
:
ESTIA -2 :
, , , , ,
,
.
:
,
, ,
:
.
1 .
:
-
5/23/2018
91/138
90
.
:
.
,
,
.
:
.
:
,
(, ,
- , ..).
,
.
.
/ :
, ,
,
( ) (
) , . ,
,
.
.
-
5/23/2018
92/138
91
ESTIA
.
(CHF). :
ESTIA 1+3 CHF ESTIA 1+5 CHF
2,50% 1 3 5
.
,
, (CHF 1M-Libor)
(LTV).
ESTIA CHF
, , (CHF 1M-Libor)
(LTV).
,
5% :
ESTIA 1+3 CHF
4 , 0,20%
.
ESTIA 1+5 CHF 6
, 0,20%
.
ESTIA CHF 4
, 0,20%
.
: :
, , , , ,
.
-
5/23/2018
93/138
92
: :
,
.
.. .. 3
(
)
: 10 30
: 100.000 CHF .
:To 100%
85%
.
: ,
, ,
...
:
.
.
: ,
, "" 6
.
,
, .
:
130% .
, (CHF).
: ,
(, ,
- , ..).
, .
-
5/23/2018
94/138
93
/ :
, , ,
( ) (
) ,
.,
,
.
.
:
(9) 2005.
.
"ESTIA 3 "
, 3 ...
10.000
100%
100%
.
20 40 .
3
,
Euribor 1M, ...,
.
,
3,95%,
-
5/23/2018
95/138
94
.
:
:
, , , , , ,
.
:
,
.
:
3 , .
, .
.
:
.
:
.
, ,
.
:
-
- .
-
5/23/2018
96/138
95
:
,
(, ,
- , ..).
,
.
.
/ :
, ,
, ( ) (
) ,
. ,
,
.
.
"ESTIA 5 "
, 5 ...
:
, 5
,
Euribor 1M, ...,
.
10.000
100%
100%
.
10 40 .
-
5/23/2018
97/138
96
"ESTIA 1+3 " "ESTIA 1+5 "
... 6 !
.
5,25% 4 "ESTIA 1+3
" 6 "ESTIA 1+5 ".
3,50% 5,25%
.
,
Euribor 1M,
..., .
10.000
100%
100%
.
10 40 .
ESTIA 5,10,15,20
5,10,15 20 ...
.
5,10,15 20
, ,
Euribor 1 ... .
10.000
100%
100%
.
, .
-
5/23/2018
98/138
97
ESTIA
, 5 ...
10.000
100%
100%
.
5 40 .
"ESTIA "
,
Euribor 1, ..,
,
1/3
5 .
ESTIA PLUS
Euribor 1
...
10.000
100%
.
5 40 .
ESTIA PLUS
, Euribor 1M
..,
,
.
-
5/23/2018
99/138
98
ESTIA
Euribor 1...
10.000
100%
100%
.
1 40 .
ESTIA ,
Euribor 1M
..,
.
...
100%
100%
, .
, ,
5 40 . , ,
.
-
5/23/2018
100/138
99
ESTIA
..
100.000.
5
40 .
ESTIA
,
Euribor 1 ...,
.
...
, . ,
.
5 40 .
:
1. , :
:- 1 , 50%
- 2 , 100%
- 3 , 125%
- 4 , 150%
:
- 6 , 50%
- 1 , 66,67%
- 2 , 100%
- 3 , 125%
- 4 , 150%
-
5/23/2018
101/138
100
2. 75%
100%
44.020,54, , ,
, .
-
-
3 ...
,
2
25 .
70%
85%
75%
.
:
, ,
/ .
:
,
.
:
,
-
5/23/2018
102/138
101
. 1
.
.
:
,
, "" 6
.
,
, .
:
.
:
,
(, ,
- , ..).
, .
/ :
, ,
,
( ) ( ) ,
. ,
,
.
.
-
5/23/2018
103/138
102
ESTIA
10 ...
10
,
.
10 , .
40% 70%
3 .
20 40 .
, ()
,
.
(,
).
,
, .
.
,
, "" 6
.
,
, .
.
-
5/23/2018
104/138
103
,
(, ,
- , ..).
,
.
/ : , ,
,
( ) (
) ,
., ,
.
.
ESTIA
10 ...
, .
10 , .
40% 70%
3 .
20 40 .
-
5/23/2018
105/138
104
,
. ,
... ...
/ .
,
.
100% .
:
..
...
-1 .
..
16 - 40 8
..
...
...
15 7,5 9
15 7,5
/
25 (
)
10
-
5/23/2018
106/138
105
...
:
(.. , )
.
.
-
5/23/2018
107/138
106
4.4.3 IRIS -
,
,
.
,
.
,
. ,
,
.
(RETAIL
BANKING),
.
-
.
-
-
5/23/2018
108/138
107
,
,
.
2001.
:
-
- -
, on-line
.
.
.
()
( -
)
On Line /
- - .
:
.
.
.
-
5/23/2018
109/138
108
:
, , -
:
:
, .
-
5/23/2018
110/138
109
:
,
.
.
:
on line
( position)
,
.
(..), .
,
(, , ..),
...
..,
:
-
5/23/2018
111/138
110
4.4.4 - -
(1999-2007).
1999-2000 2001.
,
.
12%, 40%,
.
,
.
2001
.
2001 1 223.8 .
846.1 . 2000, 44.6%. ,
24.7% 2001 4 614
. 3 700 . 2000. 2001,
29.5%.
.
.
.
, 2001,
1
CAP (
)
.
,
.
-
5/23/2018
112/138
111
2002
45%.
2002, -
1 ,
.
45% .
, ,
,
. 24% 2002,
. ,
, ,
(bancassurance).
,
.
2000-2002 31.4%.
, 2002 1 338
., 9.3% 2001., 5 640 .,
22.2%
. ,
, .
2003
.
-
5/23/2018
113/138
112
-
5/23/2018
114/138
113
. 2002 2001 + - %
2 510 075 2 009 232 +24.9%
5 900 538 4 800 133 +22.9%
11 980 683 12 226 673 -2.0%
(1)
20 391 296 19 036 038 +7.1%
216 232 215 765 +0.2%
20 607 528 19 251 803 +7.0%
(1) 1 426 449 . 2002 1 405 632 . 2001.
2002
.
, ,
. 1
. .
.
,
575 ., 35%
.
, ,
. ,
.
72.2%. ,
58.7%
( 50.8%).
,
2002 2001 .
689 522 29.8 766 543
152 104 0.6 119 80
152 104 0.6 119 80
338 178 0.4 253 155
34 35
1179 838 30.8 1138 813
-
5/23/2018
115/138
114
2002, 6.6%
7% 2001.
,
3.6%. 1.9% ( 2.2%
2001) .
31.12.2004, ( )
2003 27,4 . ,
. :
9 193
. ( 28,2% 2003)
2,6 .
1
249 . 919 . 2003,
36%.
31.12.2004
( ) 1.0%
1.6% 2003,
1 377 1 414 31.12.2003. , (provision coverage)
79.7% (2003:74.4%).
:
( ) 2003 2004 + - %
3 104 788 4 007 880 29.1%
918 981 1 249 580 36.0%
7 169 853 9 192 687 28.2%
11 745 774 12 782 532 8.8%
22 939 396 27 232 679 18.7%
173 529 178 197 2.7%
23 112 925 27 410 876 18.6%
-
5/23/2018
116/138
115
2003-2004 :
2004
( )
31.12.03
.
.
(1)
31.12.04
1 051 796 (2 802) (118 644) 168 081 1 098 431
9 788 . :
.
2003
( .)
31.12.02
. .
(1)
31.12.03
1 012 032 (4 001) (101 664) 145 429 1 051 796
2 351 . :
.
,
, , 25,3% 31.12.2005. , 2005
34% 3.5 . 2.6
.
31.12.2005 11.5 , 8.8
, 30%
, 900 .
96%, 38% 2004.
.
,
2005. ,
, . ,
2005,
. , ,
, ,
, .
-
5/23/2018
117/138
116
, 2005, ,
, ,
ESTIA,
.
.
( ) ,
5 40
.
, ,
,
.
, ,
,
, .
. 2005 3.5
, .
,
.
-
5/23/2018
118/138
117
( ) 2003 2004 + - %
3 104 788 4 007 880 29.1%
918 981 1 249 580 36.0%
7 169 853 9 192 687 28.2%
11 745 774 12 782 532 8.8%
22 939 396 27 232 679 18.7%
173 529 178 197 2.7%
23 112 925 27 410 876 18.6%
2006 2007
2007 56 , 27% 2006.
2007, .
3,4% (4% 2006)
(
) 81%.
. 2007 25.7 ,
19% 2006. 2007
4
(+13% 2006 ). 3 2007 30% .
, 18% 2006
16.4 ,
.
-
5/23/2018
119/138
118
-
5/23/2018
120/138
119
-
31.12.2007
/
2.584.708 5.325.454 7.910.162 17.134.301 2.900.634 20.507.761
48.452.858 3.688.685
518.584 801.191 1.319.775 1.758.503 742.631 1.646.145
5.467.054
145.308 221.960 367.268 368.861 106.347 121.826 964.302
1.265
2.143 74.184 76.327 28.483 48.087 1.214.585 1.367.482 9.441
3.250.743 6.422.789 9.673.532 19.290.148 3.797.699 23.490.317
56.251.696 3.699.391
155.375 205.657 361.032 139.535 137.234 920.691 1.558.492
9.542
3.095.368 6.217.132 9.312.500 19.150.613 3.660.465 22.569.626
54.693.204 3.689.849
31.12.2006
/
1.964.546 3.869.459 5.834.005 13.742.354 25.477.514 16.373.150
38.497.023 4.739.848
388.190 569.412 957.602 1.301.973 394.842 607.353 3.261.770
4
178.206 190.153 368.359 307.822 77.112 124.449 877.742 2.358
2.122 65.083 67.205 8.076 10.997 1.394.030 1.480.308 48.459
2.533.064 4.694.107 7.227.171 15.360.225 3.030.465 18.498.982
44.116.843 4.790.669
146.278 169.312 315.590 175.204 131.573 869.940 1.492.307
9.454
2.386.786 4.524.795 6.911.581 15.185.021 2.898.892 17.629.042
42.624.536 4.781.215
-
5/23/2018
121/138
120
-
31.12.2007
/
2.584.708 5.325.454 7.910.162 17.134.301 2.899.322 18.657.068
46.600.853 3.688.685
1.312 1.850.693 1.852.005
2.584.708 5.325.454 7.910.162 17.134.301 2.900.634 20.507.761
48.452.858 3.688.685
31.12.2006
/
1.964.546 3.869.459 5.834.005 13.742.354 2.546.445 14.115.146
36.237.950 4.730.356
1.069 2.258.004 2.259.073 9.492
1.964.546 3.869.459 5.834.005 13.742.354 2.547.514 16.373.150
38.497.023 4.739.848
-
31.12.2007
/
30
354.760 509.529 864.289 914.575 435.016 1.343.234 3.557.114
3190
163.824 291.662 455.486 623.190 220.451 174.800 1.473.927
90
220.738 87.164 128.111 436.013
518.584 801.191 1.319.775 1.758.503 742.631 1.646.145
5.467.054
31.12.2006
/
30
257.623 398.715 656.338 632.060 187.119 336.976 1.812.493
3190
130.567 170.697 301.264 459.141 129.185 121.374 1.010.964
90
210.772 78.538 149.003 438.313
388.190 569.412 957.602 1.301.973 394.842 607.353 3.261.770
-
5/23/2018
122/138
121
-
31.12.2007
/
1.112.282 3.243.882 4.356.164 14.539.305 2.763.814 13.665.547
35.324.830 4.318.696
361.369 633.420 994.789 1.594.030 704.029 472.157 3.765.005
89.377 172.787 262.164 363.981 106.347 65.851 798.343
22.722 22.722 2.914 12.042 540.917 578.595
1.563.028 4.072.811 5.635.839 16.500.230 3.586.232 14.744.472
40.466.773 4.318.696
85.578 105.280 190.858 133.130 100.401 473.814 898.203
1.477.450 3.967.531 5.444.981 16.367.100 3.458.831 14.270.658
39.568.570 4.318.696
31.12.2006
/
1.092.756 2.668.718 3.761.474 12.400.921 2.496.904 11.129.602
29.788.901 4.539.923
289.460 459.566 749.026 1.233.506 394.818 199.003 2.576.353
124.144 167.377 291.521 307.378 77.112 102.104 778.115
18.475 18.475 815 4.300 536.072 559.662
1.506.360 3.314.136 4.820.496 13.942.620 2.973.134 11.966.781
33.703.031 4.539.923
77.043 114.654 191.697 171.239 98.836 485.961 947.733
1.429.317 3.199.482 4.628.799 13.771.381 2.874.298 11.480.820
32.755.298 4.539.923
-
5/23/2018
123/138
122
-
31.12.2007
/
1.112.282 3.243.882 4.356.164 14.539.305 2.763.814 13.233.212
34.892.495 4.318.696
432.335 432.335
1.112.282 3.243.882 4.356.164 14.539.305 2.763.814 13.665.547
35.324.830 4.318.696
31.12.2006
/
1.092.756 2.668.718 3.761.474 12.400.921 2.496.904 10.392.836
29.052.136 4.530.432
736.766 736.766 9.491
1.092.756 2.668.718 3.761.474 12.400.921 2.496.904 11.129.602
29.788.902 4.539.923
31.12.2007
/
30 242.476 404.425 646.901 812.164 420.263 352.089 2.231.417
3190
118.893 228.995 347.888 568.028 196.766 16.800 1.129.482
90
213.838 87.000 103.268 404.106
361.369 633.420 994.789 1.594.030 704.029 472.157 3.765.005
-
5/23/2018
124/138
123
31.12.2006
/
30 210.238 322.111 532.349 585.250 201.652 85.712 1.404.963
3190
79.222 137.455 216.677 438.769 114.666 12.850 782.962
90
209.487 78.500 100.441 388.428
289.460 459.566 749.026 1.233.506 394.818 199.003 2.576.353
-
5/23/2018
125/138
124
-
5/23/2018
126/138
125
4.4.5 -
2002
KTHMATIKH
() 5,60%
() 5,45%
( 3 , 5%
1 ( 1 ) 3,60%
3 ( 3 ) 5,80%
5 ( 5 ) 5,90%
10 ( 10 6,50%
15 ( 15 ) 6,70%
20 ( 20 ) 6,75%
5,60% (
0,55%)
CAP (15 )
5,60% (
0,50%)
CAP (20 )
5,60% (
0,60%)
()
2,75% (
1,5
3,00%)
2003
-
5/23/2018
127/138
126
KTHMATIKH
() 5,50%
() 5,35%
( 3 , 4,70%
1 ( 1 ) 3,60%
3 ( 3 ) 4,90%
5 ( 5 ) 5,50%
10 ( 10 6,20%
15 ( 15 ) 6,40%
20 ( 20 ) 6,50%
5,60% (
0,55%)
CAP (15 )
5,50% (
0,50%)
CAP (20 )
5,50% (
0,60%)
()
2,00% (
1,5
3,00%)
1 ( 1
) 3,60%
2005
KTHMATIKH
3 (340 ) 4,90%
5 (540 ) 5,50%
10 (1040 ) 6,20%
15 (1540 ) 6,40%
20 (2040 ) 6,50%
5,50%
CAP
(15
) 5,50%
CAP
(20
) 5,50%
-
5/23/2018
128/138
127
5,50%
(140
) 2,25%
1 (540 ) 3,60%
(540 ) 3,60%
2,25%
PLUS (5
40 ) 2,25%
ESTIA 2,25%
1
3,60%
5,50%
25 4,70%
5,35%
(
)
1
3,60%
.. .
2,25%
.. .
2,25%
.. .
2,25%
.. .
2,25%
. 5,35%
. 4,70%
2006
()
-
5/23/2018
129/138
128
3 (340 ) 4,50%
5 (540 ) 4,70%
10 (1040 ) 5,20%
15 (1540 ) 5,30%
20 (2040 ) 5,50%
5,90%
1 + 3 ( 3,25 ) (1040 ) 3,25%
1+5 ( 3,25) (1040 ) 3,25%
3 (1040 )
3,25%
5 (1040 )
3,50%
5 (20 ) 3,50%
( 15 20
25 30 ) 3,50%
(140 ) 3,50%
1 (540 ) 3,50%
(540 ) 3,95%
3,50%
PLUS (540 ) 3,50%
2007
1(1040 )
3,25%
1 Eb
2(1040 )
2
3,70%
1M Eb
-
5/23/2018
130/138
129
1 +3 (1040 )
3,50%
5,25%
1M Eb
1+5 (1040 )
5
3,50%
5,25%
1M Eb
3
(1040 )
3
3,95%
1M Eb
5
(1040 )
5
5,20%1M Eb
3 (2040 )
3
(
0,80%)
3,95%
1M Eb
5 (540 )
5
(
0,80%)
5,20%
1 M Eb 10 (1040 )
10
(
0,80%)
5,30%/ 5,40%
1M Eb
15 (1540 )
15
(
0,80%)
5,40%/5,50%
1M E b
20 (2040 ) 20
(
0,80%)
5,50%/5,60%
1M Eb
3
()
4,70%
6,40%
-
5/23/2018
131/138
130
1 uribor:
,
. 1 uribor
. ...,
.....
(540 )
(
0,80%) 1M Eb
(540 )
1/3
( 5 ) .
1M Eb (140 ) (
0,80%) 1M Eb
PLUS (540 )
.
( 0,80%) 1M Eb
6,40%
. () 5,85%
1 .
1
.. 3,95% 4,00%
. 3
() 4,70% 6,40%
.
10
... (
1,40%) 5,35% 4,00%
-
5/23/2018
132/138
131
.
...
( 1,40%) 4,00%
.
...( 1,40%) 4,00%
.
...
( 1,40%) 4,00%
.
...
( 1,40%) 4,00%
. ...
( 1,40%) 4,00%
.
5,85%
-
5/23/2018
133/138
132
1
3
5
10
15
20
25
3,00% 4,70% 4,90% 5,20% 5,30% 5,50% 6,50%
3,80% 4,35% 4,50% 5,95
4,05% 4,75% 4,80% 5,35% 5,45% 6,35%
cba 2,90% 2,90% 4,90% 5,20% 5,30% 5,40% 5,50%
5,25% 5,40% 5,45% 5,50% 5,65% 5,65% 5,70%
EUROBANK 5,20% 5,30% 5,30% 5,40% 5,50% 5,60%
4,85% 5,20% 5,30% 5,40% 5,50% 6,40%
4,60% 4.80% 4,90% 5,15% 5,30% 5,45% 5,60% 8,09%
MARFIN 3,25% 4,40% 4,95% 5,25% 5,50% 5,50%
HSBC 4,55% 4,70% 5,10%
5,35% 5,60% 5,80% 5,90%
4,20% 4,50% 4,70% 4,95% 5,30% 5,75%
MILLENIUM BANK 4,30% 4,50% 4,80% 5,25%
UCI 3,95% 4,75% 4,95% 5,20% 5,35%
5,30% 5,30% 5,40% 5,50% 5,60% 5,70%
LPHA 3,50% 4,85% 5,00% 5,35% 5,55%
3,89% 4,75% 5,00% 5,29% 5,45% 5,51% 5,60% 6,39%
2,90% 3,75% 4,50% 4,95% 5,30% 5,40% 5,50% 5,70%
2,90% 1,10% 0,70% 0,35% 0,10% 0,10% 0 0,70%
10 11 8 4 2 0 4
-
5/23/2018
134/138
133
..
750
400 295-412 250
CITIBANK 296- 700 315-440 105,89
191,61
600 400 300
MARFIN 300 359 () 160,65
()
HSBC 500 320 154,70
EUROBANK 450 240
MILLENIUM
BANK
750 241 105-450
250
ALPHA
800
O
200 350-412 140-205
200 250
-
5/23/2018
135/138
134
01.
.
02.
..
0.3
0.4
0.5
.
0.6 /
30
.
0.7
-
5/23/2018
136/138
135
:
( )
, 2007,
.
, 1982,
, .
, 1989, , , .
, 2003, ,
.
, 1993,
, .
, ( )
Michael Deppler, Uirich Baumgather, 2005, Greece Financial
System
Stability assessment, International Monetary Fund.
. , 2005, - ,
.
Nuno C. Martins, 2005, The impact of mortgage interest- rate
subsidies on
household borrowing, journal of public Economics.
, ( )
:
www.ethniki.gr
www.bankofgreece.gr
www.in.gr
www.kathimerini.gr
.ea.
.ba.
.ec.
-
5/23/2018
137/138
136
1
1
1.1.1 - .2
1.1.2 ..12
1.1.3 .12
1.1.4 .......12
1.1.5 ...13
1.1.6 .13
1.1.7 ..161.1.8 ..19
1.1.9 ...20
1.1.10 ....22
1.1.11 ..29
2
2.2.1 ..34
2.2.2 .442.2.3 ......46
2.2.4 47
2.2.5 ..48
2.2.6 51
2.2.7 .52
2.2.8
.62
3
3.3.1 -..67
3.3.2 .68
3.3.3 69
3.3.4 71
3.3.5 ...72
3.3.6 74
-
5/23/2018
138/138
137
4 -
()
4.4.1 ...........................79
4.4.2 87
4.4.3 ..106
4.4.4 ...110
4.4.5 - ..125
... 135
