??????????? ??????????? ???????????? ?????? ???????????? ????? ????????? ??? ?????????? ????? ?????????? ???????? ??????? ?? ?????? ??? ??????? ??? ????????? ????????? ?????????? : ????????? : ?????? ???????? ??????????? ???????? ????????? ???????? ??????????? 2010 1 ??????????? ??????????? ......................................................................................................... 1 ??????????? ??????? .................................................................................... 3 ??????????? ???????????? ...................................................................... 4 ???????? .................................................................................................................. 7 1. ???????? ??? ???????????????? ??????? .................................. 9 1.1 ????????.............................................................................................................. 9 1.2 ???????????? ??? ??????????? ............................................................................ 9 1.3 ????????????????? ?????? .............................................................................. 10 1.4 ???????????????? ???????? ............................................................................ 11 1.4.1 ????????? ???????? ................................................................................... 11 1.4.2 ?? ????????? ???????? ............................................................................. 12 1.5 ???????????????? ???????? ............................................................................ 12 2. ?? ???????? ????????? ??????? ...................................................... 14 2.1 ????????............................................................................................................ 14 2.2 ???????? ??????? ??? ???? ??? ????????? ?????????? ?????????? .............. 14 2.3 ???????????? ??? ?????????????? ??? ????????? ?????????? ?????????? 16 2.4 ?? ???????? ????????? ??????? ?????? ........................................................ 17 3. ?????????? ??? ?????????? ??? ????????????? ?????? ???????? ............................................................................................................... 23 3.1 ????????............................................................................................................ 23 3.2 ??????? ??? ??????? ?.?. ................................................................................ 23 3.3 ?????? ??????? ??? ??????? ?.?. .................................................................... 26 3.4 ??????? EFG Eurobank Ergasias ?.?. .............................................................. 27 3.5 ??????? Alpha Bank. ........................................................................................ 27 3.6 ??????? ???????? ?.?. ..................................................................................... 29 3.7 ???????? ??????? ??? ??????? ?.?. ............................................................... 32 3.8 ???????? ??????? ??? ??????? ?.?. ................................................................ 32 3.9 ??????????? ??????????? ?.?. ......................................................................... 33 3.10 Marfin ??????? ??????? ?.?. ......................................................................... 34 3.10.1 ??????? ??????? ....................................................................................... 35 3.10.2 ????? ??????? ......................................................................................... 36 3.10.3 Marfin Bank .............................................................................................. 36 2 3.11 ??????? ?????? ??????? ???????? ??????? .................................................. 37 3.12 ?????? ??????? ??? ??????? ?.?. .................................................................. 39 3.13 Attica Bank ??????? ????????? ???????? ..................................................... 40 3.14 Aspis Bank ??????? ????????? ???????? ..................................................... 41 3.15 Proton ??????? ?.?. ........................................................................................ 42 4. ? ?????? ?????? ??? ??????? ??? ????????? ???????? . 43 4.1 ????????............................................................................................................ 43 4.2 ??????? ??? ??????? ?.?. ................................................................................ 43 4.3 ?????? ??????? ??? ??????? ?.?. .................................................................... 45 4.4 ??????? EFG Eurobank Ergasias ?.?. .............................................................. 46 4.5 ??????? Alpha Bank. ...................................................................................... 468 4.6 ??????? ???????? ?.?. ..................................................................................... 48 4.7 ???????? ??????? ??? ??????? ?.?. ............................................................... 49 4.8 ???????? ??????? ??? ??????? ?.?. ................................................................ 50 4.9 ??????????? ??????????? ?.?. ......................................................................... 52 4.10 Marfin ??????? ??????? ?.?. ......................................................................... 53 4.11 ??????? ?????? ??????? ???????? ??????? .................................................. 54 4.12 ?????? ??????? ??? ??????? ?.?. .................................................................. 55 4.13 Attica Bank ??????? ????????? ???????? ..................................................... 56 4.14 Aspis Bank ??????? ????????? ???????? ..................................................... 57 4.15 Proton ??????? ?.?. ........................................................................................ 58 4.16 ???????????? ??? ??? ??????? ??? ?????????? ??????? ???? ?? ???????? ??? ?????????? 25????? ............................................................................................. 59 5. ? ?????? ??? ??????? ??? ????????? ???????? ???? ?? ???????? ??? ????????????????? ?????? ........................................ 61 5.1 ????????............................................................................................................ 61 5.2 ?????????? ??????? ??? ????? ??? ??? ????????? ??? ??????? ???? ?? ???????? ??? ?????????? ????????????????? ?????? .......................................... 61 5.3 ????????????? ?????????? ??? ??????? ??? ????? ??? ??????? ???? ?? ???????? ??? ?????????? ????????????????? ?????? .......................................... 63 5.4 ???????????? ??????? ?? ??? ?????? ??? ??????? ???? ??? ????? ??? ?????????? ????? .................................................................................................... 70 6 ???????????? & ?????????? .............................................................. 72 ???????????? ....................................................................................................... 76 3 ??????????? ??????? ??????? 1: ????????? ???????? ??? ??????????? ???? ?????? ................................ 18 ??????? 2: ??????? ????????, ??????????????? & ????????? (???????? 31/12/2008) .......................................................................................................... 20 ??????? 3: ??????? ?????????????? ??? ??????????????????? ??? ????????? ????????? ???????? ............................................................................................ 20 ??????? 4: ????????? ???????? ????????? ??? ?.?. ??? 31/12/2009 ...................... 23 ??????? 5: ?????????? ????? ????? ??? ????????? ??? ??? ????? ??? ??? ????????? ??? ?????????? ??????? ??? ??? ????????? ?????? (1/1/2008-31/12/2009) ........ 62 ??????? 6: ?????????? ??????? ??? ?? ??????? ???? ???????? ???? ???? ?? ?????? 2008-2009 ............................................................................................................ 71 ??????? 7: ??????? ??? ???????? ???? ?????????????? ??? ?????????????? ?????? (???. ????) ............................................................................................. 72 4 ??????????? ???????????? ????????? 1: ?????????? ???????? ????????? ????????? ???????? ??? ??? ?????? ???? .......................................................................................................... 21 ????????? 2: ?????????? ??? ????????? ???????????? & ??????????? ??? ??????? ??????????? ???????????????? ???????? (?????????? ???????? ?????? ???????????? ?????) ........................................................................................... 21 ????????? 3: ?????? ???? ??? ???????? ???????????? & ?????????? ??? ?? ??????? ??????????? ???????????????? ???????? (?????????? ???????? ?????? ???????????? ?????) ........................................................................................... 22 ????????? 4: ?????????? ?????? ??? ????? ??? ??????? ??? ???????? ??? ??????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 .............................................................. 44 ????????? 5: ?????????? ?????? ??? ????? ??? ??????? ??? ??????? ???????? ??? ??????? ??? ?? ???????? 1/1/1986 ? 31/12/2009................................................ 45 ????????? 6: ?????????? ?????? ??? ????? ??? ??????? ??? EFG Eurobank - Ergasias ??? ?? ???????? 1/1/1986 ? 31/12/2009 ................................................ 46 ????????? 7: ?????????? ?????? ??? ????? ??? ??????? ??? Alpha Bank ??? ?? ???????? 1/1/1986 ? 31/12/2009 ......................................................................... 48 ????????? 8: ?????????? ?????? ??? ????? ??? ??????? ??? ???????? ???????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 .................................................................... 49 ????????? 9: ?????????? ?????? ??? ????? ??? ??????? ??? ????????? ???????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 .................................................................... 50 ????????? 10: ?????????? ?????? ??? ????? ??? ??????? ??? ????????? ???????? ??? ?? ???????? 1/1/2001 ? 31/12/2009 .............................................................. 51 ????????? 11:?????????? ?????? ??? ????? ??? ??????? ??? ???????????? ???????????? ??? ?? ???????? 1/6/2006 ? 31/12/2009 ....................................... 52 ????????? 12:?????????? ?????? ??? ????? ??? ??????? ??? Marfin E??????? ???????? ??? ?? ???????? 26/8/1999 ? 31/12/2009 ............................................ 53 ????????? 13: ?????????? ?????? ??? ????? ??? ??????? ??? ???????? ?????? ??? ?? ???????? 8/11/2000 ? 31/12/2009 .................................................................. 54 ????????? 14: ?????????? ?????? ??? ????? ??? ??????? ??? ??????? ???????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 .................................................................... 55 ????????? 15: ?????????? ?????? ??? ????? ??? ??????? ??? Attica Bank ??? ?? ???????? 1/1/1986 ? 31/12/2009 ......................................................................... 56 5 ????????? 16: ?????????? ?????? ??? ????? ??? ??????? ??? Aspis Bank ??? ?? ???????? 8/9/1998 ? 31/12/2009 ......................................................................... 58 ????????? 17: ?????????? ?????? ??? ????? ??? ??????? ??? Proton ???????? ??? ?? ???????? 21/12/2005 ? 31/12/2009 ..................................................................... 59 ????????? 18: ?????? ??? ????? ??? ??????? ??? ???????? ??? ??????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 63 ????????? 19: ?????? ??? ????? ??? ??????? ??? ??????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 64 ????????? 20: ?????? ??? ????? ??? ??????? ??? EFG Eurobank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 64 ????????? 21: ?????? ??? ????? ??? ??????? ??? Alpha Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .................. 65 ????????? 22: ?????? ??? ????? ??? ??????? ??? ???????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 65 ????????? 23: ?????? ??? ????? ??? ??????? ??? ????????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 66 ????????? 24: ?????? ??? ????? ??? ??????? ??? ????????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 66 ????????? 25: ?????? ??? ????? ??? ??????? ??? ???????????? ???????????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008- 31/12/2009) .......................................................................................................... 67 ????????? 26: ?????? ??? ????? ??? ??????? ??? Marfin ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 67 ????????? 27: ?????? ??? ????? ??? ??????? ??? ???????? ??? ?????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 68 ????????? 28: ?????? ??? ????? ??? ??????? ??? ??????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .. 68 ????????? 29: ?????? ??? ????? ??? ??????? ??? Attica Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .................. 69 ????????? 30: ?????? ??? ????? ??? ??????? ??? Aspis Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .................. 69 ????????? 31: ?????? ??? ????? ??? ??????? ??? Proton Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) .................. 70 6 ????????? 32: ?????????? ??????? ??? ??????? ?????? ??? ?.?. ??? ?? ??????? ???????? 1/1/1986-31/12/2009 ............................................................................ 73 ????????? 33: ?????????? ?????? ??? ??????? ?????? ??? ?.?. ??? ?? ??????? ???????? 1/1/2008 ? 31/12/2009 ......................................................................... 74 7 ???????? ?????? ??? ???????? ???????? ????? ?? ????????? ??? ?????? ??? ??????? ??? ?????????? ????????? ??? ??????? ??? ??? ????????? 25???? ????? ??? ?? ???????? ??? ?????? ???? ???? ?? ???????? ??? ?????????? ??????? ???? ??? ?? ?????? ??? ???????? ?????????????????? ??????. ??? ?? ????? ????, ? ??????? ???????? ?? ??? ????????. ??? ????? ???????? ??????? ??????? ???? ????? ???????????, ?? ???????????? ??? ?? ????????? ???????? ???? ?????????? ??????????. ??? ??????? ???????? ?????????????? ????????? ? ???????? ??????? ??? ????????? ?????????? ?????????? ??? ? ???? ???, ???? ???? ???? ???????????? ???? ?? ???????? ??? ??????????? ???. ??????, ??????? ????????? ??????? ???? ?????? ??? ??????????? ???? ??? ????????? 30???? ??? ?? ?????? ???????? ???? ????????????? ???? ????? ??? ???? ?????? ??? ???????????? ????? ??? ??????. ?????, ????????????? ?? ????????? ??????? ???? ???? ???? ???? ??????????? ????? ??????. ??? ????? ???????? ?????????????? ????????? ???? ?????????? ?? ???????? ??? ????? ?????????? ??? ????????????? ??????. ? ?????????? ????? ??????????? ?????? ??? ??? ???????? ???????? ??? ??????????? ???? ??? ??? ?????? ???? ??? ??? ??????. ??? ??????? ???????? ????????? ? ?????? ??? ????? ??? ???????. ?? ??????? ???????? ??? ??????? ??? ??? ??????? ??? ?????????? ??? ????????????? ?????? ???????????? ??? 1/1/1986 ????? 24????, ??? ???????????? ??? 1/1/1986 ??? 31/12/2009, ??? ??? ??? ??????? ??? ?????????? ????????????? ??? ????? ??????????? ??????? ??? ??? ?????????? ????????? ???? ??? ????????? ???? 31/12/2009. ??? ??????? ?????? ?????????????? ???????? ?????? ??? ????????????? ??? ???????????????? ??????????? ?????????? ??? ??????? ????. ??? ?????? ???????? ????????? ? ??????????? ??? ?????????? ??????? ???? ???????? ??? ???????? ?????????????????? ??????. ???????????????? ?????????? ??????? ??? ????? ??? ??? ????????? ???? ??? ?? ??????? ???????? 1/1/2008 ? 31/12/2009, ????? ??? ????????????? ??????? ??? ????? ???? ??? ?? ???? ??????? ????????. ?? ???????? ????????? ?? ?????????? ????????????. ?????, ??? ???? ???????? ??????????? ????????? ??? ?????????? ?? ????? ???????????? ????????? ???? ??? ???????? ??? ????????????? ???????, ??? 8 ??????????? ??? ? ????? ?????? ??? ???????????????? ?????? ??? ??? ?????????? ???????. ??????, ???????????????? ??? ??? ?????????? ????????? ??? ??????????? ????????? ??? ?? ?????????? ??? ?????????? ??????? ????? ??? ??? ?????????? ?????. ?????????? ??? ????????, ?? ?????? ?? ?????????? ??? ?? ??????????? ??? ??????????? ??????? ??? ?????????? ??????? ??????????? ??? ??? ??????? ?????????? ??? ??????????? ?????????? CAPITAL (www.capital.gr), ??? ?? ???????? ??? ?? ?????????? ??? ????????????? ??????? ??? ?????????? ??????? ??? ??? ??????? ?????????? ??? ?????????? ?????????? (www.kathimerini.gr). 9 1. ???????? ??? ???????????????? ??????? 1.1 ???????? ???? ???????????? ??? ?????? ??????? ??? ???????? ???, ?? ?????? ?? ??????????? ???? ??? ????????? ??? ??????????, ??????? ??? ?????? ????????? ?? ????????. ??? ????? ?? ???? ?? ??????????? ?? ??? ????????? ?????????? ??? ????????????????? ?????????? ??? ??? ?????????? ???. 1.2 ???????????? ??? ??????????? ? ???????? ???? ?????????? ??????????? ??? ???? ??? ?????????????? ???????????????? ???????, ?? ????? ??????????? ??? ?? ???? ???????? (??????, 2000): 1. ??? ????????????????? ?????? 2. ?? ???????????????? ???????? 3. ?? ???????????????? ???????? ?? ???? ???? ???????? ??? ?????????? ?? ????????? ???? ??????????? ????????? ????????. ?? ???? ?? ??????, ???? ??? ????????? ?? ????????? ????? ?? ??????? ??? ?? ???????????????? ??????? ???????? ?? ??????????? ???? ??????????? ??????????. ??? ????? ?????? ?? ??????? ??? ???? ?? ???????????? ?????????? ??? ?????? ??????????????? ??? ?????? ??????????? ???????????????? ?????????, ??? ?? ????????? ???? ???????? ?? ????????????? ??????????. ??? ???? ????????? ??? ?? ???????????????? ??????? ????? ????????? ??? ??? ????????? ????? ???????? ???? ?????? ???????????, ????: ? ??????????? ??? ???? ?????? ????? ?????????? ???????? ??? ?????????? ????????? ???? ??? ???????? ??????????? ??????? ????????? ???? ???? ???????? ??? ??????????. ? ??????? ??? ???????????????? ????????. ? ??????? ??? ??????? ??? ?? ????????? ??????????? ??? ????????? ??????? ??? ???? ????????????. ? ??????? ?? ?????? ??? ?????????? ?????? ? ?????? ??? ?????????? ????? ???? ?????????? ????????????? ?? ??????? ???? ?? ???????????????? ??????? ??? ??????? ? ????? ??????????. 10 1.3 ????????????????? ?????? ? ?????? ??? ????????????????? ?????? ????????? ???? ??????????? ??????? ?? ????????? ??? ?? ?????? ???????????????? ????????. ?? ??????????? ????? ??????? ????? ???? ?????????????? ???? ?????????????. ? ??? ????????? ?????????? ??? ????????????????? ?????? ????? ? ????????? ???? ?? ?????? ?? ????? ??? ?????????????? ?? ??? ????????????? ???????. ? ????????????? ??? ????????????? ??????? ??? ??? ?????????????? ??????? ?????? ?? ????? ???? ?????, ?????? ?? ????????????? ??????? ??????????? ????????? ??? ??? ??????????????, ???? ??????, ?????? ??????? ????????? ??? ????????????????? ????????? ??? ???????? ????????? ??? ? ?????? ????? ???? ?????????. ?? ????????????????? ??????, ??????? ?? ??????? ????????, ???????????? ?? ???????? ?????????? ?????? (???????????? ?., 1993): 1. ??????? ?? ?? ???????? ??? ????????? ???? ???????????? ?? a. ????????????, ?? ???????? ??? ????? ???????? ?????????? ??? ????? b. ?????????????, ?? ???????? ????? ???????? ?????????? ??? ???? ?????. 2. ??????? ?? ?? ?? ?? ???????? ?????????? ??? ????? ???? ? ??? ???????????? ?? a. ??????????? ??????, ???? ? ?????? ???? ???????????????? ????? ?????. b. ????????????? ??????, ???? ????????????????? ????????????? ??? ?????????? ??????????. 3. ??????? ?? ?? ????? ????????? ???? ???????????? ?? a. ???????????, ???? ?? ?????????????? ????????????????? ?? ??? ???????? ?????????. b. ?? ???????????, ???? ?? ?????????????? ??? ????????????????? ?? ??? ???????????? ?????????. 11 1.4 ???????????????? ???????? ?? ???????????????? ???????? ???????????? ?? ??? ??????? ??????????: 1. ????????? ???????? 2. ?? ????????? ???????? ????????, ??????????? ??? ????????? ?? ??? ????? ?????????? ????? ?????? ??? ??? ???? ????????????? ????? ??? ????????? ???????????????. 1.4.1 ????????? ???????? ?? ????????? ???????? ?????? ?????? ???? ??????? ?????????? ??? ???? ?????? ????????? ??? ???????????? ?? ???? (??????, 2000): ? ? ??????? ??? ???????, ? ????? ???? ?? ???? ?????? ??? ????????? ????????????????? ?????????. ? ?? ????????? ????????, ?? ?????? ????????? ?? ????????? ????? ??? ?????????? ?????????? ?????????? ??? ?????? ???????? ??? ?? ??????, ???????, ??? ??????????? ??????????? ??? ??????? ??? ????????????? ????????. ?? ???????? ????? ????????????? ?? ?????????? ???? ??? ?????????? ??? ???????? ????????????? ???? ?????? ?? ????? ???? ?????? ??? ??????????. ? ?? ???????? ??????????, ? ?????? ?????? ??? ?????? ????? ? ????????????? ????????????? ????????? ?????? ??? ??????????. ???? ??????, ?? ???????? ?????????? ??? ??????? (?.?.?.?., ?.?.?.?.?. ??? ? ??????? ??????????) ??? ???????? ?????, ????? ????????????? ??? ???? ????????? ????????. ? ?? ?????????? ????????, ? ?????? ?????? ??? ?????? ????? ? ???????? ????????????? ??? ?????????????? ??????? ??? ????????? ????????????? ????? ?????? ??????. ?????? ???? ??????, ??????, ??? ???????? ?????????? ????????, ????? ? ????? ??? ??????? (?????? ????????? ??????? ??? ???????, ? ?????? ?????????? ??????? ??? ? Aspis Bank) ????????????? ??? ???? ????????? ????????. ? ?? ??????????????? ????????, ?? ?????? ??????? ?? ????????????? ???? ??? ????????? ????????? ??? ????? ?? ????? ????? ?? ?????????? ??? ???????? ??? ??????? ??????????. ???? ?????? ?????? ???????? 16 ??????????????? 12 ????????, ?? ?????? ????? ??????? ?? ?????????? ?????? ???? ??? ???????? ???????, ??? ?????????? ???????. ? ?????, ?? ??????? ?????????? ??????????, ????? ??????? ??????? ?? ?????? ????????????? ??? ??????? ????? ??? ?? ??????????? ???????????. ?? ??????? ????????? ??? ?????????? ????????? ???????????? ???? ???????? ????? (Jaffe D., 1989): 1. ????????????? ?????????????, ?????? ????????????? ?? ??????? ??? ???????????? ??? ???????? ?? ?????? ??? ????? ?????????????? ?????????. ???????? ?? ??? ??????????? ????? ???????? ????? ??????? ??? ??? ????? ??? ????? ????????? ???? ????? ? ??????????, ? ???????? ?????????? ??? ? ???????? ?????. 2. ?????????? ?? ??????????? ???????? ??? ?????, ?????? ?????????? ??? ???????? ??? ????????. 3. ??????? ????????? ???? ??? ??????? ????????, ???? ??? ???????? ??? ??????????. 1.4.2 ?? ????????? ???????? ???? ????????? ????? ??????? ??? ?????? ?? ???????????????? ???????? ?? ????? ??? ????? ???????? ??? ??? ???? ?? ???? ? ????????? ?????????? ???? ???????? ??? ?????? ??? ???????? ????????. ?????? ????? (??????, 2000): 1. ?? ???????? ???????? (?/?), ?? ????? ????????? ?????????? ??? ???????????? ??? ??????? ????? ??? ???????, ??? ?????? ?? ????????? ???????? ??????? ?? ?????????? ?? ????????????? ??? ??? ????????????. 2. ?? ???????????? ??????? ??????????? ????????? (?.?.?.?.), ??????? ?? ?? ?. 2396/96, ????????? ?? ??????????? ?????? ? ?????? ??????? ??? ??????? ???? ????????? ???? ??????? ??? ? ???????????? ?????? ??????????? ?????????. 1.5 ???????????????? ???????? ?? ??????? ??????? ?? ???????????????? ???????? ??????????????? ??? ?? ???????? ????. ?????? ????? ??? ????? ?????????? ??? ?????, ???? ?? ???????? 13 ??????????????? ?? ???????? ????????????. ??????????? ??????????? ???????? ?????????????. ?? ???????? ???????????? ????? ?? ?????? ????????? ????????? ????????, ?? ????????????? ??????????, ?? ????????? ?????????? (?? ?????? Repos), ?? ???????? ???????, ?? ???????? ???????? ????????, ? ???????????? ????? ?????????? ??? ?? ???????????. ?? ???????? ??? ????????????? ????? ?? ??????? ??? ???????? (?? ??????????? ????????, ?? ??????? ????????, ?????????????????, ????? ???????????, ?? ????? ????? ??????????), ?? ????????? (?? ??? ????? ???????????) ??? ?? ??????? (?????? ??? ????????????). 14 2. ?? ???????? ????????? ??????? 2.1 ???????? ?? ??????????? ??? ???????????? ????????? ??????? ??? ????????? ?? ??????? ?? ???????? ????????? ??????? ?????????? ?? ????? ????? ?? ???? ??? ????????? ??? 1980 ???? ??? ??? ????? ?????? ??? ???????? ???????? ??? ?????????????? ??? ??????? ???????????? ??? ???????????????????. ???? ??? ?????? ??????????? ???????? ?? ????? ??? ?????? ?? ????????? ??????? ?????????? ???? ?? ??? ?????????????? ?????????? ??? ????????? ???? ?? ????? ??????????. ???????????? ????????????????? ??? ?? ?????? ????? ?? ???? ??? ???? ???????? ??????????? ? ????? ???? ????????? ??? ?????? ?? ??????? ??? ?? ????????? ???????? ??? ????????? ?? ?????????????????? ?????. ????????? ?? ??? ???????????? ??????? ??? ??? ????????? ?????? ???? ??????? ??? ????????? ?????????? ????? ?? ?????????? ?????, ?????? ? ????? ???????? ??? ?? ???? ??? ???????? ????????. ???? ????????????, ????, ?? ???? ???? ?? ????? ??? ??????????? ?? ???????? ?? ??????. 2.2 ???????? ??????? ??? ???? ??? ????????? ?????????? ??????????1 ?? 1828 ??????????? ??? ???? ??? ???????? ??? ????????? ????????? ?????????? ??????????. ?? ???? ???? ???????? ? ?????? ????????????? ??????? ?? ????? ?? ???????? ?? ?????? ????????? ?? ?????? ?????? ????????? ??? ?????. ? ??????? ??????? ?? 1834 ?? ???????? ?? ????????? ??? ???????????. ???? 30 ??????? ??? 1841 ???????? ? ?????? ??????? ??? ??????? ?? ???????? 500.000 ??????? ??? ??? ?????? ?? ???????? ???????? ?? ????? ??????? ????? ?? 1928. ?? 1928 ???????? ? ??????? ??? ??????? ??????? ????????? ?? ??? ???????? ??? ????? ? ????? ??????? ?? ???????? ??? ??????? ??????? ????? 900.000 ????? ?? ??? ???, ????, ??? ? ?????? ??????? ?? ???? ?? ???? ???? ??? ?????? ????????????????? ? ?? ??????? ??? ??????? ??? ?? ???? ???? ?? ???????? 1 ? ??? ??????? ????? ??? ??? ???????? ????????? ?????????? ?? ??????? ???????????? (Gortsos C., 1998), ???????? ?., ?????????? ?., ????????? ?., ???????? ?., ??? ???????????? ?. (1995), ???????? ?., ??? ???????? ?. (1990) 15 ????????. ???? ?????? ??? ??? ???????? ???????????? ? ?????? ??? ???????? ??? ??????? ??? ???? ?? ????????? ??? ??????? ?????????????????. ????? ???????? ??? ????????? ??? ???????????? ??? ??????? ?????? ????????????? ??? ?????? ??????? (1839) ??? ????? ?????. ? ??????? ???? ??? ?? ???????? ????????, ?? ????? ???????????? ???? ?????? ?? 1920. ?? 1882 ???????? ? ???????????? ??????? ??????????????? ? ????? ???????????? ?? ??? ?????? ?? 1899. ???? ????? ?? 1899 ???????? ? ??????? ?????? ? ????? ???????????? ?? ??? ?????? ?? 1919. ???????? ? ??????? ?????? ??????????????. ????? ?? 1997 ????????????? ???? ?????? 49 ????????? ???????? ?? ??????????? ??? ?????? ??????? ??? ??????? ??? ?????? ????????? ??? 1 ???? ?????. ???? ????: ? ? ??????? ??? ??????? ? 21 ????????? ????????? ???????? ?? ??? ?????? 9 ???????? ??? 12 ????????? ? 21 ?????????????? ????? ???????? ?? ??? ?????? 13 ??? ??? ????????? ????? ??? 8 ??? ????? ????? ? 3 ??????????? ???????? ? 2 ??????????? ???????? ??? ? ?? ??????????? ??????????? ?? ???, ???? ????????????????, ? ??????? ??? ???????? ????? ??????? ???????, ?? ??????? ??????????? ????? ????? ????????????. ????, ?? ???????? ??????????? ???????? (??????, ????????, ???????? ??? Alpha ??????? ???????) ???????? ?? 1997 ?? 57,31% ??? ???????????, ?? 54,63% ??? ?????????? ??? ?? 61,49% ??? ????????? ??????????. ?? ??????????? ?????? ??? ?? 1985 ?? ???????? ??????????? ???????? ??????? ?????? ?? 90% ??? ?????????? ??? ?? 84% ??? ??????????, ?????? ?? ?????????? ??? ? ????? ???? ????? ??????????? ?????????????. ???????, ?? ????????? ??? ?????? ???????????? ??? ????? ???? ????????, ???? ?????? ?????????, ?????? ?? ????? ??????????? ???????? ????????: ? ???? ???????? ?? 84% ? ??? ?????? ?? 55% ? ??? ?????? ?? 45% ? ???? ?????? ?? 43% ? ???? ??????? ?? 42% 16 2.3 ???????????? ??? ?????????????? ??? ????????? ?????????? ?????????? ? ?????????? ??? ? ?????????? ??? ????????? ?????????? ?????????? ??? ??? ??????? ??????? ??? ??? ????????? ???? ????????????. ? ????? ?????????? ??????????, ??????? ??? ????????????? ??? ??????????? ???????? ?? 1975 ?? ??? ????????? ?????????????, ? ????? ?????????? ?? ???????????? ??? ??????? ??? ??? ????????? ??? ?? 1981. ?? ???????????? ??? ????????? ????? ???? ?? ?????????? ??????? ??? ?? ?? ????????? ?? ??????????? ??? ????????? ???????. ???? ??? ?? ???? ??? ????????? ??? 1980 ??? ???? ??? ??? ???????? ??? ?????? ?????????? ????????? ?? ???????? ????????? ??????? ?????? ????? ? ????? ?? ???????????????, ?? ??????????????? ??? ?? ??????? ??????????? ?????????????. ?? ??????? ??? ???????????????? ??????? ???????????? ????? ?????? ??? ?? ??????????? ??? ?????? ????? ?????. ??? ???????? ??? 1990 ?????????? ??? ????????? ???????????? ??? ????????? ??????? ????? ??? ?????????? ??? ??????? ????????? ?????? (?????? 89/646/?.?.?.). ?? ?? ?????? ? ???????? ?????????????? ??? ?????????? ?????????? ??? ??? ?????????????? (???????? ??????) ??? ???????????? ?? 1991 ???????? ?????? ????????? ??? ???????? ???? ?????????? ??? ???????? ??????? ???? ???????? ????????? ????????? ??? ??? ?????????? ??? ??????? ?????????? ??????. ? ???????????? ??? ??????????? ??? ????????? ?????????? ?????????? ???? ?????????? ?????? (?? ??????? ??? ??????????? ???? ?? ???????? ??? 1990 ????????????? ??? ???????????? ??? ?????????, ??? ????????? ??? ???????? ?????????? ???????, ??? ???????????? ??? ??????? ????????? ??? ??? ???????? ?????? ??? ?????????? ????????? ??? ??? ????????? ?????) ????????? ??? ?????????? ???????? ????????????? ??? ????????? ?????????? ?????????? ???, ????????????, ??? ?????????? ???????? ????? ?????????? ???????? ??????????? ????? ?? ????????????????? ?? ???????? ?????? ?????????????????? ?????????. ?? ??????? ???? ??????? ??? ?????????? ???? ????????, ?????? ??? ????? ??? ?????? ?? ????????????? ? ????? ?????????????. ? ?????? ??????? ??? ??????? ????????? ??? ??????? ???? ???? ?????, ?? ??????? ?????????, ????, ??????? ??????. ?????????, ? ???????? ???????, ? 2? ?????????? ??????? ???????, ???? ?? ??????? ??? ?? ????????????? ????? ?? 1995. ?????? ? ?????? ??? ??????????? ??? ????????? ???????? ????? ????? ???????. 17 ?????????????? ????? ??? ??????? ????? ?? ????????: ? ???? ????? ??????? ?? ??????? ?????? ??? ???????? ???????? ???????? ?? 38% ?? 2000 ??? 63% ?? 1995 ? ???? ???? ????? ?? ??????? ?????? ??? ????????? ???????? ???????? ?? 45% ?? 2000 ??? 20% ?? 1995. ? ?? 2000, ?? ????????? ???????? Alpha Bank ??? EFG Eurobank Ergasias ??????? ???? ??????? ??? ????? ???? ?????????? ?? ???? ?? ???? ??? ?????????? ??? ??? ???????. ????? ?????????? ??? ???????????? ???? ?????????? ??? ????????? ?????????? ?????????? ????? ? ???????? ??? ??????????????????? ??? ????????? ????????, ? ??????? ????????? ???????????????? ??? ?? ???????? ??? ?? ???????????? ??? ????????? ???? ?????? ??? ????????, ??????????? ????? ?? ??????? ??? ????????? ??????? (??????????? ??? ??????????, 2001). ? ?????? ??? ????????? ???????? ???? ????? ??????. ???????? ?????? ???? ?????? ??? ???????? ???? ??????????? ?? ?????????????? ??? ?????????? ?????????? ????????, ???? ??? ???? ???????? ??? ????????? ???? ??? ??? ????? ??? ????????????? ???????? ??? ????????? ??? ???? ??????????, ??? ????. ?? ??????????, ? ??????????? ??? ????????? ??????? ??????? ?? ?????????? ???? ???????????? ?????????????. ?????????????? ????? ?? ??????? ??? ?? 2001 ??????? ????? ?????? ????????? ????????, ??? ?? 1997 ???? 18 (Alpha Bank, 2001). ???? ?? ??? ???????????, ?? ??????? ???????????? ??? ?????? ???????? ??? 75,2% ?? 1998 ?? ????? 71,2% ?? 2000 (?????????, 2000). ???? ????????? ??? ??????? ??? ?? ???? ??? ???????? ??? ??? ???????????? ????? ?? ?????? ??????? ?????? ????????. ?????????, ? ???????????? ???? ????? ????????, ?? ?????????? ??? ??????? ??????????? ??????????? ?????? ??? ??? ????????????? ????????, ?????????? ?????????? ??? ??? ???????? ??? ?????????????? ??? ??????????? ????????? (?????????, 2000). 2.4 ?? ???????? ????????? ??????? ?????? ???? ???????? ?????? ?????????????? ?? ????????? ???????? ??? ??????????? ?????? ???? ??????. ?? ???????? ??????????? ??? ??? ????? ????????? ???????? ??? ??? ???? ?? ???? ??????????? ?? ????????? ???????? ?? ??????? ???? ????? ??? ?? ???????????. 18 ??????? 1: ????????? ???????? ??? ??????????? ???? ?????? ?/? ???????? ???????? ???? ??????? ???? 1 ?????? ??????? ??? ??????? ?.?. 2 ??????? EFG EUROBANK ERGASIAS A.E. 3 ALPHA BANK 4 ??????? ???????? A.E. 5 ???????? ??????? ??? ??????? A.E. 6 ???????? ??????? ??? ??????? ?.?. 7 ??????????? ??????????? ??????? ?.?.?. 8 MARFIN ??????? ??????? ?.?. 9 ??????? ?????? ??????? ???????? ??????? 10 CITIBANK INTERNATIONAL plc 11 ??????? MILLENNIUM BANK ?.?. 12 ?????? ??????? ??? ??????? ?.?. 13 ATTICA BANK ??????? ????????? ???????? 14 HSBC BANK plc 15 ASPIS BANK ??????? ????????? ???????? 16 ??????? PROBANK A.E. 19 ?/? ???????? ???????? ???? 17 PROTON ??????? ?.?. 18 BAYERISCHE HYPO UND VEREINSBANK A.G. 19 FBB - ????? ?????????????? ??????? ?.?. 20 ???????? ??????? ??????? ???????? ??????? 21 ?????????? ??????? ?.?. 22 A.B.N. AM.RO BANK N.V. ??????????? ???? 1 BANK OF AMERICA ?.?. 2 BNP PARIBAS 3 ?????? LEASING ?.?. - ?????????????? ????????? 4 EFG EUROBANK ERGASIAS - ?????????????? ????????? 5 ALPHA LEASING - ?????????????? ????????? ???? : ??????? ?????????? ??? ?????? ????????? ???????? (www.hba.gr) ???? ???????? ?????? ??? ????????????? ? ??????? ??? ???????, ?????? ????? ??? ???????? ??? ???? ????????? ??????, ???? ??? ???????? ???? ??? ??????? ????????????????? ?????????? ??? ???????. ????????, ???????? ????????? ?? ????????????? ??? ?????? ????????????? ?????????? ???????? ??? ??????? ??? ????????. ???? ?????????????? ??? ???????? ???????????. ????????????: ? ???? ?????? 2 ??????????? ? ??????? ??? ????????, ?? ?????????????? ???? ??? ?? ????????? ??? ???? ?????????? ??????? ?? ?? ???????? ??? 31/12/2008. 20 ? ???? ?????? 3 ???????????? ?? ??????? ?????????????? ??? ??????????????????? ??? ????????? ???????? ??? ??? ?????? ???? ??? ?? 2007, ?? 2008 ??? ?? ?? ??????? ??? 2009. ? ??? ????????? 1 ??????????? ? ?????????? ???????? ??? ???????? ??? ??? ?????? ???? ??? ????? ??? 2007 ??? ??? 2008 ??? ??? ????? ??? ?? ???????? ??? 2009. ? ??? ????????? 2 ???????????? ?? ?????????? ??? ???????? ???????????? & ??????????? ??? ??????? ??????????? ???????????????? ???????? (?????????? ???????? ??? ??????? ?????? ???????????? ?????) ??? ?? ????????? ??? 2007 ??? ??? ?? ????????? ??? 2009. ? ??? ????????? 3 ???????????? ?? ?????? ???? ??? ???????? ???????????? & ?????????? ??? ?? ??????? ??????????? ???????????????? ???????? (?????????? ???????? ??? ??????? ?????? ???????????? ?????) ??? ?? ????????? ??? 2007 ??? ??? ?? ????????? ??? 2009. ??????? 2: ??????? ????????, ??????????????? & ????????? (???????? 31/12/2008) ????: ?????? ??? ?? ???????????????? ???????????, ??????? 2009, ??????? ??? ??????? ?????? ??? ???????? ??? ?? ???? 2008, ???????? 2009, ??????? ??? ??????? ??????? 3: ??????? ?????????????? ??? ??????????????????? ??? ????????? ????????? ???????? ????: ??????? ??? ???????, ?????? ??? ???????? ??? ?? ???? 2008, ???????? 2009 & ??????????? ????????, ????????? ??????, ????????? 2009 21 ????????? 1: ?????????? ???????? ????????? ????????? ???????? ??? ??? ?????? ???? ????: ??????? ??? ???????, ?????? ??? ???????? ??? ?? ???? 2008, ???????? 2009 & ?????? ??? ?? ???????????????? ???????????, ??????? 2009 ????????? 2: ?????????? ??? ????????? ???????????? & ??????????? ??? ??????? ??????????? ???????????????? ???????? (?????????? ???????? ?????? ???????????? ?????) ????: ??????? ??? ???????, ?????????? ?????? ??????????? ?????????, ????? 117,119,124 22 ????????? 3: ?????? ???? ??? ???????? ???????????? & ?????????? ??? ?? ??????? ??????????? ???????????????? ???????? (?????????? ???????? ?????? ???????????? ?????) ????: ??????? ??? ???????, ?????????? ?????? ??????????? ?????????, ????? 117,119,124 ??? ?? ???????? ??????????? ??? ??????? ????????? ??? ?? ??????? ????????? ??????? ???????????? ?? ?????? ?????????????????? ??? ??? ?? ?? ??????? ??????? ??? 2008, ????? ???????? ??? ??? ?????? ??? ?????? ???? ??????. ???????????, ????, ??? ??? ????? ????????? ??? ?????? ?? ??????????? ??? ??????? ????????. 23 3. ?????????? ??? ?????????? ??? ????????????? ?????? ???????? 3.1 ???????? ???? ?????? 1 ????????????? ?? ?????? ??? ???????? ??? ??????????? ????? ??? ????????? ???????????. ??? ?????, ????, ???? ????? ?? ???????? ?????????? ??? ????????????? ??????. ???????????? ?? ???? ????? ?????????? ?? ???????? ????????: ??????? 4: ????????? ???????? ????????? ??? ?.?. ??? 31/12/2009 ?/? ???????? 1 ??????? ??? ??????? ?.?. 2 ?????? ??????? ??? ??????? ?.?. 3 ??????? EFG EUROBANK ERGASIAS A.E. 4 ALPHA BANK 5 ??????? ???????? A.E. 6 ???????? ??????? ??? ??????? A.E. 7 ???????? ??????? ??? ??????? ?.?. 8 ??????????? ??????????? ??????? ?.?.?. 9 MARFIN ??????? ??????? ?.?. 10 ??????? ?????? ??????? ???????? ??????? 11 ?????? ??????? ??? ??????? ?.?. 12 ATTICA BANK ??????? ????????? ???????? 13 ASPIS BANK ??????? ????????? ???????? 14 PROTON ??????? ?.?. ????? ?? 14 ?? ?????? ???????? ?? ????????????? ????????? ??? ??????? ??? ???????? ?????????. 3.2 ??????? ??? ??????? ?.?.2 ? ??????? ??? ??????? ???????? ?? ???????? ??? ??????????? ??? ??????? ??? 15?? ??????????? 1927 ??? ?????? ?? ?????????? ???? 15 ????? 1928. ? ??????? ??? ?? ?????????? ??? ????????? ???????? ????? ??? ??? ???????? ??? ????? ??????????? ?? ?????????? ?? ??????????? ??? ????????? ?????????? ?? ????????????? ?? ?????? ?????????? ??? ????????????? ?????????? ??? ??????. ????? ??? ?????? ??? ???????? ??? ???????, ??? ??????????? ????????? ???????? ??????? ? ?????????? ???????? ??????? ??? ?????, ? ?????? ??????? ??? ???????, 2 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ???????? ??? ???????: www.bankofgreece.gr 24 ? ????? ???? ??????? ?? 1841 ??? ???????? ???? ????????? ????????? ??? ??? ????????? ?????????. ??????? ?? ??? ???????? ??? ?????, ???? ?????? ??????? ??? ??????? ?????? ??????????? ??? ??? ?????? ???????? ????????, ???? ? ?????? ??? ???????????????, ????????? ?? ?? ????????????? ????????? ????????. ??? ???, ????????, ??????? ?????????????? ??? ??? ?????? ??????? ???????? ??????????? (?????? ?????? ??? ??????? ??? ????????) ??? ????????? (?? ??????? ???????????? ??? ????? ?? ?????????? ??? ????????). ? ??????? ??? ??????? ?????? ?? ?????????? ??? ??? ???? ??? 1928 ?? ????????? 500 ??????. ??? ????????, ? ??????? ?????? ???? ?????? ??????????? ??? ??????????????? ?????? ??? ??? ??????????? ??? ??????? ?????? ?? ???????????? ??? ??? ?? ?????????? ???????? ?/??? ?????????? ??? ?????????? ??? ????????. ???? 4 ???????? 1938 ? ???? ??? ???????? ??????????? ??? ???????? ??? ????. ?? ?????????? ??? ??????? ????????, ??????, ?? ??????????? ??? ??????? ?? ????? ??? ????? ??? ? ?????? ?? ??????????? ??? ?????? ??????-?????????????. ??????? ??????? ?? ?? 'A???? 4 ??? ??????? ???????????? ??? ???????? ??? ??????? "?????? ??????? ??? ???????? ????? ? ??????????? ??? ???????????? ??? ??? ?????? ????? ??? ?????????? ?????. ???? ??? ?????? ?????? ?? ???????, ????? ??? ????? ??? ???????????? ?????, ??? ??????????? ??? ??? ?????? ?? ??????". ???? ?? ???????? ??? ?' ?????????? ???????, ? ????????? ??? ???????? ?????????? ??? ???????? ????????? ???? ??????. ?? ??????? ?? ????? ??? ???????? ??????????? ????? ??? ????? ?????? ??? ?????? ??? ???????. ???? ?? ????? ??? ???????, ? ????????? ?? ????? ??? ????????? ?? ???????????????? ??????? ?????????? ?? ?????? ??????????????? ?????????. ?? 1945 ?? ?????? ???? ????????????????? ??? ? ??????????? ???????? ????????? ??? ??? ????? ??? ???????????? ??? ???????? ??? ?? ?????????? ?????????? ??? ??? ????????? ??? ???????? ??? ???????????? ?? 1939. ? ????????? ????, ??? ??? ???????? ?????? ??? ??????, ??????? ??? ????????? ????? ?????????? ?????? ??? ????????? ???????? ??? ??? ???????????. ?? ?????????? ???? ??????????? ? ??????????, ?? 1946, ??? ???????????? ?????????. ? ???????? ??????????? ??? ??????? ??????? ?????????? ?? ???????, ????????? ?????? ????????? ??? ??? ???????? ??? ???????? ??? ???????. ? ???? ??? ???????? ??? ??????? ???? ?????????, ????? ? ??????? ???? ??? ?????? ?????????? ??? ???????? ?????? ????????? ???, ???? ??????, ???????????? ??? ??? ????????. 25 ?? 1982 ? ??????????? ???????? ??????????? ??? ?? ???????????? ??? ???????????? ??? ?????????????? ???? ??????? ??? ??????? (????? 1266/1982). ???? ?? ????????? ??????? ?????? ??????? ??? ?????????? ???????, ?? ??? ???' ????????? ?????????????, ????????? ?? ???? ????? ?? ???? ??? ????????? ??? '80. ??? ?? ????? ???? ??????????? ??? ?????????? ?? ??? ??????? ??????? ?? ?? ????? ? ????????? ???? ??? ?????? ??????? ??? ??????? ??????????? ?????????, ??? ? ??????? ??? ??????? ??????? ?? ??????????? ??? ?????????????? ???????? ???? ??? ???? ??? ???????????? ???. ? ????? ??? ???????? ??? ??????? ?????? ??? ???? ??? ???? ??? ????????? ??? '80, ?? ??? ???????? ??????????? ??? ????????????????? ??????????. ????? ??? ?????? ??? ??????? ???? ?????????? ??? ??????????? ????? (???) ??? 1.1.2001, ? ??????? ??? ??????? ?????? ?? ?????????? ??????, ?????? ?? ??????? ???????? ??????, ??? ?? ?? ???????? ??? ???????? ????????? ??? ??? ?????????? ??????? ????????????. ?? ??????? ??? ???????????? ????????? ????????????? ?? 1998 ???? ??? ?????? ??? ??????? ???? ????????? ??????????????? ????????? (???) ??? ?????????? ???????????? ?????????? (???) ??? ??? ?????? ??? ??????? ??? ??????????? ??? ????????? ???? ????????? ????. ? ???????? ??? ??????? ?????????? ????????? ????? ???????????? ????????? ??? ?? ??????????? ??? ????????? ?????? ???????????????? ?? ???????. ??? ?? 1994, ? ??????? ??? ??????? ??? ???????????? ????? ???' ?????????? ????? ??? ??????? ?????. ???? ????????? ???????????????? ??? ?????? ??? 1994: ?????????? ? ??????? ??? ??????? ??????? ?????????? ??? ??????????? ??? ???????? ????? (?????? ??????????? ??????) ??? ?????????????? ?? ???????? ???? ??? ??? ????? ???????? ?????????? ??? ????????? ?? ???????????? ??? ????????. ???? ??? ?????????? ??? ???????????? ??????????????, ? ??????? ?????? ??????? ?? ?????????? ??? ????????????? ???????? ?????????? ??? ??????? ????????? ????? ??????????? ??? ???????? ?????. ?? ??? ????????? ??? ??????? ?????????? ??? ??????? ??? ???????? ??? ??????? ??? 22.12.1997 ??? 25.4.2000, ?? ?????? ????????? ?? ???? ?????? 2609/11.5.1998 ??? 2832/13.6.2000 ???????????, ?? ??????????? ??? ???????? ??? ??????? ????????????? ???? ?? ?????????????? ???? ?????????? ??? ???????? ??? ??? ????????? ?????. ? ??????????? ??? ????? ?????????? ????? ????? ?? ?????????? ?????? ??? ????????. ??????, ????????????? ? ??????????? ??? 26 ???????? ??? ??????? ??? ??????????????? ?? ??????? ??? ?? ?? ????? ??? ??? ?????????. ??? ??? ?????? ????????????? ???? ??????? ??? ??????? - ?? ????????? ???????????? ????????? - ??????? ??? ?? ??????????? ??? ?????????????? ????????. ??? ??? ?????????????? ??? ???? ??? ?????? ???????, ? ??????? ??? ??????? ?????????? ?? ??????????? ????? ??? ?????????? ?????????? ????????? ???????? ???? ???? ??? ???????? ??? ??????????? ??? ?????? ??? ???, ?? ???? ????? ??????? ???????????? ???, ?????????? ??????? ?? ??? ?????????????? ??????? ??? ??????? ??? ?????????? ????????? ????????. 3.3 ?????? ??????? ??? ??????? ?.?.3 ? ?????? ??????? ??? ???????, ?? ?? ?????????? ??? ?????????? ???????? ???? ???????? ????, ???? ??? ?? ?? ???????? ?????? ??? ??? ?????????????? ?????? ??? ??? ????????? ???????? ??????? ??? ??????????? ??? ??????????? ?????? ?????????????????? ????????? ???? ??????. ? ?????? ??????? ??? ??????? ?.?. ???????? ?? 1841 ??? ??????? ??? ????????????? ????? ?????? ?? 1880. ?? 160 ????? ?????? ????????? ??? ??????????? ??????????? ???? ?????????? ??? ??? ?????, ? ??????? ???? ????????? ?? ??? ???????? ??? ???????????? ????? ????????? ??????? ????????????????? ?????????, ??????????? ???? ??? ??????? ????????????? ??????? ??? ??????? ???. ??? ??????? ????, ? ??????? ?????? ?? 1891 ??? ???????? ???????? ??????? ?????????? ?? ??????? ??? ?? 1927 ??? ?????? ????????? ???????. ????? ??? ?????? ??? ???????? ??? ??????? ?? 1928, ? ??????? ???? ?? ???????? ???????? ???? ?????? ??? ???? ???????? ??? ??? ?????? ??? ??????????. ?? 1953, ? ??????? ???????????? ?? ??? ???????? ???????, ??? ???? ??????? ?? 1893. ???? ??? 1998, ? ??????? ?????? ??? ?????????? ??' ???????????? ??? ?????????? ??? ??????? ????????? ??????? ??? ??????? ?.?.?, ? ????? ???? ???????? ??? ?? ?????????? ??? ????? ?????????? ??? ?????????, ??? ??????? ????????? ??????? ??? ??????? ?.?.? ??? ??? ??????? ?????????? ??????? ??? ??????? ?.?.?, ?? ????? ??? ????????? ??????????? ??? ??????? ??? ???? ????? ??? ??????????? ??? ?????????? ??????. 3 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ??????? ???????? ??? ???????: www.nbg.gr 27 ??? ??? ???????? 1999, ? ?????? ??? ???????? ???????????????? ??? ????????????? ??? ???? ??????. ??? ???? ??? 2002, ? ?????? ??????? ????????? ??? ?????????? ??' ???????????? ??? ?????????? ??? "?????? ??????? ?????????? ???????????? ?????????? ??". ??? ??????? ??? ??????????? ??? ??????????????? ???? ????? ??? ?? ???????, ? ??? ?????????, ????? ??? 2006, ?? Finansbank ???? ??????? ??? ?? Vojvodjanska Banka ??? ??????. ? ??? ????? ????????? ?????? ??? ?????????? ??????, ????????? ???? ???????? ??? ????????? ????????? ????????? ??? ?????????? ???? ?.2076/92 ???? ?????? ??????, ??? ?? ??????? ?????????? ??? ???????? ?????? ??? ??????? ????????? ?????? 89/646/??? ??? ?????????? ??? ?????????? ??????????. ? ?????? ??? ??? ????????? ???? ????? ?????????????????? ????????? ??? ????????? ??? ??????????????? ???? ??????? ?????????????? ??????? ???????????? ??? ???????, ???? ??????????? ????????, ???????????????? ??????????, ?????????, ?????????? ????????? ??????????? - ?????????, ???????? ?????????????? ???????? (leasing), ??????????? ??????????????? ?????????? (factoring). ?? ?? ?????????? ?????? ??? ??? ??????? 575 ??????????? ??? 1.514 ???s, ???????? ???????? ?? ?????????? ?????? ??? ???????. ?????????, ?????????? ??????????? ?????? ??????? ??? ????????? ???, ???? ?? ????????? ?obile ??? Internet Banking. ??????, ???? ??? ????????? ???????? ??? ???? ??? ?A ???????, ?? ?????? ??? ???????? ??? ????????? ???????????? 1.238 ??????? (???????? 30.09.2009). ?? ??????????? ?????????? ??? ????????? ?? ????? ??????????? ??? ?? ??? ??? ??????? ???????????? ??????????? ?????????? ????????? ?? ????????????? ???????? ??? ???????????? ??? ?????? ??? ??? ???????? ??? ??? ????????? ?????? ??? ????????. 3.4 ??????? EFG Eurobank Ergasias ?.?.4 ? ??????? EFG Eurobank Ergasias ???????? ?? 1990 ?? ?????? ???????? ??????????????? ???????? ??? ????? ??? ?????? ?????? ??????????? ?????????. ?? ??? ???????????? ??? ?????? ???????? ?????????? ???? ??????, ? ??????? ???????????????? ???? ???????????? ??? ???????. ?????? ? EFG Eurobank Ergasias 4 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ??????? EFG Eurobank Ergasias ?.?.: www.eurobank.gr 28 ???? ??????????? ??? ??????? ??????, ???? ??? ???????? ???????? ????????, ???? ??? ???? ??? ???????? ??? ????????????, ??????????????? ?????? ??????? ???? ????? ???????? ??????????????? ??? ??? ????????????? ?????? ??? ??????. ???????????? ??? ?? 1990 ??? ?????? ? ?????? ??? ???????? ???? ?? ????: ? ?? 1994 ???????? ???????? 75% ??? EFG Private Bank (Luxembourg) SA, ? ?? 1996 ??????? ??? Interbank ??????? ?.?., ?? ?????? 23 ????????????, ??? ?? ??????? ??????? Consolidated Eurofinance Holdings (CEH) S.A. ? ?? 1997 ???????????? ? Eurobank ?? ??? Interbank, ?????????? ?? ??????? ???????????? ??? Credit Lyonnais Grece S.A. ??? ????????????? ??? ??????????????? ?? ??????? EFG Eurobank ?.?. ? ?? 1998 ??????? ???????? ?????????? ??????? ??? ???????? ?????? ??? ??? ???? ?????? ? CEH ?????????? ?? 99.8% ??? ???????? ??????. ??? ???????? ? CEH ??? ? EFG Eurobank ??????????? ??? ?????? ??????? 18,4% ???? ??????? ???????? ???, ?????, ? Deutsche Bank ?????? ????????? 10% ???? EFG Eurobank ? ?? 1999 ????????????? ? ??????? ?????? ???? EFG Eurobank ??? ???????????????? ?????????? ?????????????? EFG Eurobank - ???????? ?????? ?? ????????? ???????. ??? ???? ?????? ???????????? ??????? ???????? ??????? ??? ????????? ? EFG Eurobank ??? ????????????? ????? ??????, ??? ?????????? ???????????? ?? ??? ??????? ?????? ??? ? CEH ?????? ?? 50,1% ??? ???????? ???????? ???? ??? ??????? ????????. ? ?? 2000 ?? EFG Eurobank ??? ???????? ???????? ????????? ?? ??????????? ??? ? ???? ?????? ????????????? ?? ??????? EFG Eurobank Ergasias ?.?. ? ???? ????? ?????? ?????? ??????? 19,25% ???? Banc Post S.A. ?????????. ? ?? 2002 ? EFG Eurobank Ergasias ?.?. ?????????? ?? ??????? 43% ??? Post Bank ?????????? ???? ???????? ??? 50% ??? Alico / CEH. 29 3.5 ??????? Alpha Bank5 ? Alpha Bank ???????? ?? 1879 ??? ??? ?????? ?. ??????????, ???? ??????????? ??? ???????? ?????????? ???? ???????? ??? ??????????? ?? ????: ? ?? 1918 ?? ????????? ????? ??? ????? "?. ?. ???????????" ????????????? ?? "??????? ???????" ? ?? 1924 ? ???? ??? ??????????? ???? ?????, ??? ? ??????? ?????????? "??????? ????????? ????????? ???????" ? ?? 1947 ? ???????? ?????? ?? "??????? ????????? ???????" ? ?? 1972 ? ???????? ?????? ??? ???? ?? "??????? ???????" ? ?? ?????? ??? 1994 ? ???????? ?????? ??? ???? ?? Alpha ??????? ??????? ? ?? 1999 ???????????????? ? ??????? ??? 51% ??? ??????? ??? ??????? ???????? ? ???? 11 ???????? 2000 ????????? ? ?????????? ??? ??????? ???????? ?? ?????????? ??? ??? Alpha ??????? ??????? ? ???????, ???? ?????????????? ??????????? ??? ??? ?? ????????, ??????? ?????? ???????? ??? ?????????? ?????????. ???? ??? ??? ???????? ????? ?????????? ????????? ??? ?????????, ?????????? ?? ???? ???????????? '????? ??????? ??????????? ?????????. ? ??? ?????????? ??????? ??? ???????? ??? ??? ?????????? ?????????? Alpha Bank. ??????, ? Alpha Bank ????? ??? ??? ??? ??????????? ???????? ???? ??????. 3.6 ??????? ???????? ?.?.6 O ?????? ???????? ???????? ???? ??? ???? ??? ?????????? ??? ??????????? ??? ????????? ??????????. ? ??????? ???????? ???????? ?? 1916. ??? ?????? ????????? ??????????? ?? ???????? ??????? ??? ?? 1975 ?????? ??? ??????? ??????, ???? ??? ????????? ????? ?? 1991. ??? ?? ????????? ??? 1991 ??? ???????????????? ??????????? ?????? ??? ?????? ???????? ????????, ??????? ??? ??????????????. 5 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? Alpha Bank: www.alphabank.gr 6 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ???????? ???????? ?.?.: www.piraeusbank.gr 30 ????????? ?? ??? ???????? ??? ????????, ? ??????? ???????? ????????? ??? ????? ??????????? ????????, ?? ????? ??? ???????? ??? ???? ??????? ?????. ????, ?? 1998 ????????? ???? ?????????? ??? ???????? ??? Chase Manhattan ???? ??????, ???? ??????? ??? ???????? ??????????-?????? ??? ??? ?????? ?????????????? ???????? Credit Lyonnais Hellas, ??? ???? ????? ??? 1999 ???? ???????? ??? ??????? ??? ???????? ???? ??? ???? ?????????? ??? ???????? ??? National Westminster Bank PLC ???? ??????. ??? ?????? ??? 2000 ?????????????? ??? ????????? ??? ?????????? ?????????????? ??? ???? ??????, ???? ??? ??????????? ??? ????????? ???????? ??????????-?????? ??? ????, ????????????? ??? ??? ??? ????? ??????????? ????????? ???????? ???? ??????.. ???? ????? ??? 2002, ? ??????? ???????? ???????? ??? ?????? ??? ????bank ??? ? ?????????? ??? ??? ??? ??????? ???????? ???????????? ?? ????????? 2003. ??????, ???? ????? ??? 2002 ?????????? ???????? ??????????? ??????????? ??? ?????? ??? ???????? ???????? ?? ?? ?????? ?????????????????? ????? ING ??? ??? ???????? ?????, ?? ?????? ??? ???? ??? ????????????????, ? ????? ?????????? ??? ???????? 2007 ??? 10 ???. ???? ????? ??????? 2009 ? ??????? ???????? ??? ? BNP Wealth Management ??????????? ?? ?????? ??????????? ??????????? ??? Wealth Management. ?????, ???? ????? ????????? 2009 ? ??????? ???????? ?????????? ???????? ?? ?? Victoria A.E.E.Z., ????????? ??? Ergo International ???? ?????? ??? ????? ??? ?????????? ???????????? ?????? Munich Re, ??? ?? ?????? 10????? ????????????? ??????????? ???? ????? ??? ??????? ?????????. ???? ????? ??? 2005, ? ?????? ???????? ???????? ??????????? ?? ?????????? ????????? ??? ???? ?????? ??? ??????????????? ??????? ??? ?????????? ?????????, ????????? ???? ??????? ??? ??????????? ???????? Eurobank (????????????? ?? Piraeus Bank Bulgaria), ??????????? ??? ???? ???????? ??? ??????, ??? ?? ?????? 2006 ???????????? ? ?????????? ??? ???????????? ??? ???????? ???????? ??? ????????? ?? ??? Eurobank. ??????, ?? 2005, ?????????????? ?????? ??? ??????? ????? ?? ??? ??????? ??? Atlas Bank (????????????? ?? Piraeus Bank Beograd), ???? ??? ???? ?????????? ????? ?? ??? ??????? ??? Egyptian Commercial Bank (????????????? ?? Piraeus Bank Egypt). ?????, ????? ??? 2007, ? ?????? ???????? ???????? ?? ?????? ???????? ??? ???? ???????? ?? ??? ??????? ??? International Commerce Bank (????????????? ?? Piraeus Bank ICB), ??? ???? ????? ?? ??? ??????? ??????????? ?????????? 31 ????????? (??????? ???????? ??????) ??? ?? ???????? ???????? ??? ??????? ??? Arab Bank ??????. ?????? ? ??????? ???????? ??????? ???? ?????? ???????????? ??? ????????? ?? ?????? ??? ???????? ??? ?????????????? ??? ?????????????????? ????? ???? ?????? (universal bank). ? ??????? ???????? ???????? ????????? ??????????? ???? ????????????-?????????? ????? ??? ??? ???? ???????? ?????????? ???????, ??? ???? ??? ??????? ???????? ????????????, ???? ?????? ????????? ????????????? ??? ??????????? ??????????, ????? ??? ???? ????????????? ????? ??? ?????????????? ????????. ?? ?????? ????? ??? ????????? ???????????? ???? ???? ??? ?? ???? ???? ?????????? ?????? ???????????? ???, ??? ??? ??? ?? ??????????? ?????? ?????????? ??? winbank. ? ????????? ????????????? ???? ????? ??? 2000 ?? ? ????? ???????????? ???????? ???????????? ?????????? ???? ??????, ?????????? ??? ?????? ??? ???????????? ?????? ????????? ???????????? ????????????. ? ???????? ??? ?????? ??? ???????? ???????? ??? ????????? ?????????? ??? ?????????????? ?????? ??? ????????? ????????, ????????? ?? ???????? ??? ?????? ????????????????? ?????? ??? ???????? ??? ??? ???? ??????. ????????????, ? ?????? ??? ???????? ???????? ????????????????? ???? ?.?.?. ?? ?? Marathon Bank ??? ??? ????? ?? ?????? 14 ????????????, ??? ??????? ???????? ?? ??? ????????? ??? ???????? ???????? ??? ???????, ???? ??????? ?? ??? Tirana Bank ?? 45 ???????????, ??? ???????? ?? ??? Piraeus Bank Romania ?? 186 ???????????, ??? ????????? ?? 101 ??????????? ??? Piraeus Bank Bulgaria, ??? ?????? ?? 47 ??????????? ??? Piraeus Bank Beograd, ???? ???????? ?? 56 ??????????? ??? Piraeus Bank ICB, ???? ????? ?? 15 ??????????? ??? ???????? ???????? ?????? ???, ????? ???? ??????? ?? ??? Piraeus Bank Egypt ?? 49 ???????????. ?? ?????? ????????????? ?????? ??? ?????? ??? ???????? ???????? ????? ? ????????? ????????????? ????????? ???? ????? ??? ?????????? ??? ??????????, ? ???????? ?????? ???????????????????, ? ????????? ?????? ????????? ????????? ????????????? ??? ?????????????? ??????????? ?????????. ? ??????? ???????? ?? ????????? ?? ???????? ???? ?????? ??? ??????? ????????????, ????? ??? ??? ??????? ?????????, ???? ??????? ?????? ???????????, ??????????????? ????????? ?? ????? ?????? ???????????? ???, ???? ?????? ??? ?? ?????????. 32 ?????? ?????????? ??? ????????? ??? ??? ???????? ??? ?????????? ????????? ??? ?????? ????? ? ?????????????? ???????? ??? ?????????? ?????, ??????????? ????? ??? ?????????? ??????? ?? ?????????? ?? ????????????? ?????????????? ??? ??????? ??? ??????? ?????????? ?????? ??? ?????????? ??????. ?? ?????? ??? ?????????????? ???? ????? ???? 30.09.09 ????????? ?? 13.653 ?????. ??? ????? ??????????? 2009, ? ?????? ??? ???????? ???????? ??????? ??? ?????? 873 ???????????? (359 ???? ?????? ??? 514 ??? ?????????) ??? ???? ???????? ??? ????????????? ??? ?3.749 ??. ?? ??????????, ?? repos ??? ?? ??????? ??????? ??? ?????? ????????????? ??? ?31.410 ??, ?? ?????????? ??? ?38.335 ?? ??? ?? ?????? ??? ??????????? ??? ?52.252 ??. 3.7 ???????? ??????? ??? ??????? ?.?.7 H ???????? ??????? ???????? ?? 1907, ????? ????????? ??? ?? ??? ?? 1909 ??? ????? ??? ??? ??? ??????????? ????????? ???????? ??? ???????. ??? ?????? ??? 2000 ? ???????? ??????? ?????? ???????? ??????????? ??????????? ?? ?? ?????? ????????????????? ????? ??? Cr?dit Agricole, ??? ???????? ?????? ?? 6,7% ??? ????????? ????????? ??? ????????? ??? ?????? ??????? ?? 82,47 % ???????. 3.8 ???????? ??????? ??? ??????? ?.?.8 H ???????? ??????? ??? ?????o? ???????? ?? 1929 ?? ?? ????????????? ?????????? ??????????? ?????????, ?? ????? ????? ??? ???????????? ????????????? ?? ????????? ????? ??? ????????? ????? ??? ??? ???????? ??? ????????? ?????????. ?? 1950 ? ???????? ??????? ?????? ??? ????? ???????? ??????????? ????????? ????????? ??? ??????????? ??? ????????????????? ????? ???????? ???????? ??? ????? ??? ?? 1990 ????????? ??? ?????????????? ??? ??? ???? ??????????? ?????, ????????????? ??? ???? ?????? ???????????? ?? ??? ??? ?????? ????? ??? ??? ????????????????? ???????? ??? ????????? ??? ?? 1991 ??????? ??????? ??????? ??? ????????? ?????? ??? ???????????? ????? ??????? ?????????????????? ????????? ??? ?????????. 7 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ????????? ???????? ??? ???????: www.emporiki.gr 8 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ????????? ???????? ??? ???????: www.atebank.gr 33 ???? ??? ????????? ????????, ?????, ? ???????? ??????? ????????????? ?????? ????????? ????????? ??? ??? ???????? ??? ??? ????????????? ????? ?????? ??? ??? ??? ????????? ??? 2001 ???????????????? ? ?????? ??? ??? ???, ??? ??? ??????? 2004-2006 ???????????? ????????? ??????????, ???????????? ??? ????????????????? ??? ??? ?????????????????? ??? ??????? ???, ??????????? ??????????? ??????? ????????? ??? ?????????????? ???? ??????????? ??????????? ??? ???????? ??? ??? ??????. 3.9 ??????????? ??????????? ?.?.9 ?? ??????????? ??????????? ???????? ?? 1900 ?? ????? ??? ????????? ????????, ??? ??? ?????????? ???? ?????? ????????? ?????? ??? ???????????, ??? ????? ?????? ??????? ????? ?????????????? ??? ???????????? ???. ? ????? ???????????? ????? ???????????? ???? ?????? ??????????? ??? ????? ??? ? ????? ??? ???? ???????? ????? ??? ????. ?? ??? ???????? ??? ???????? ???????? ??? ??? ???????? ???????? ??? ???????? ?????????, ???????? ???? 10 ?????????? 1900 ??? ???????????? ???? 16 ?????????? 1900 ? ????? 265 ???? ???????????? ????????????. ?? 1902 ??????? ? ??????? ?????? ??? ???????? ??? ????????????, ?? ??? ?????? ??? ?????? ?????????? ??? ????? ??? ?????? ??????? ??? ??????? ??? 1903. ?? ?????? ????????? ??? ?? ???????? ??? 20 ??????????? ??????? ??? 1902, ??????????? ???????? ??? ?????? ???? ??? ??????. ? ?????? ?????????? ???????? ???? ???????? ???????? ??? ????? ????????????- ??? ??????? ??? ?????? ??? ??? 1? ????? 1915, ?? ??????? ??? ??? ?????? ??? ???????? ??? ???????????? ???? ???????? ??????????. ??? ?? ????? ?????? ?????? ?????? ???, ? ?????????? ?????????? ??? ?????????????? ??? ?? ??????????? ????????????? ??? ??????? ???????? ?????. ??? ?? ?????? ??????? ???? ??? ????????? ??????????? ? ?? ?????? ???? ??????? ??? ??? ????????- ??????????????? ??? ?? ??. ??? ?????????? ??? ?????????? ????????????? ?????????????? ????? ?????? ????????, ???? ????????, (??????? ????? ????????, ??? ????? ?? ????? ??????????? ?? ???????? ??? ??????????), ????????? (???????????? ?? ?????? ??????? ????????? ???????????? ???? ????????????? ??? ?????? ??? ??????? ??? ???????????), ????? ??? ?????????????? ???? ????????? ??????? ???????? (???), ?? ????????? ????????? 9 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ???????????? ???????????? ?.?.: www.ttbank.gr 34 ??? ?????? ??? ?? ??????????? ??????? ????????????? (???). ????????, ???????????? ??? ????????? ????????????? ???, ???????????? ????, ?? ???, ?? ??? ??? ??? ????????? ?????????, ??? ??? ??? ??? ???. ????? ??? ????????, ???????????? ??? ?????????????? ?? ?????? ??? ????????? ?? ?????? ????????? ??????????, ???? ?? ????????????. ??????, ??? ??????? ??? ???????????? ????????? ???????? ???????? ???????? ????? ??? ??????? ???? ??? ?????????, ??? ???????, ?? ??????????, ??? ????? ??? ?????? ??? ??????????? ?? ??????????? ??? ??????, ???? ??? ?????????. ???? ??????, ? ????????????? ??? ???????????? ????????????? ??? ?? 1845. ??? ???? ??? ????? 1915, ? ?????????? ?????????? ????????? ????????? ????? 1.180 ???????? ??????? ??? ?? ?? 1928, ?? ????????? ????? ??????? ???? 259.659 ???????? ???????. ? ??????? ??? ??? ?????? 1928-1935 ????? ????????? ???????????: ?? ???????? ??? 1930 ? ?????????? ???????????? ?? ?????????? ??????? ??? ???????? ????????????? ??????, ??? ? ????????? ???? ????? ???????? ??? ????????? ??? ?????? ?? ?? ???? ?? ?? ????? ? ???????????? ???????????? ?? ??????? ??? ??? ?? ?????? ??? ??????????? ???? ????????. ?? 1936 ? ?????? ???????? ??? ?????? ???????? ??? ?????????? ?????? ????????????. ?? ??? ????? ?????? ???????? ? ????? ??? ???????????? ??????? ????????, ??????????? ??? ????????? ??????? ??? ???????????? ????????????. ?? ??? ??? ?????????? ?? ??????????? ????? ???????: ???? ?? 1936 ?????????? 280.000 ???????????, ?? 1937 ????????????????? ?? ???????????? ???? ?????????? (86.282), ??? ?? 1938 ?????????? ?? ?????????? ???? ?????????? (?????? 2,6???. ???????!). ?? ??????????? ??????????? ???????????? ????? ?? 2002 ?? ??????? ????????? ??????? ?? ?? ?.3082/2002, ??? ?? 2004 ?????????? ??? ???????? ??? ??? ???? ??????? ?????????. ?????, ?? 2006 ?????????? ??? ??????????? ??????????? ??????? ? ????? ??????????? ?????????? ?????????. ?????? ??????? ??? ??? ???????? ??? ???????? ??? ???????, ??? ????????? ???????? ??? ????????????? ??????, ??? ??????? ??? ???????? ???????????? ????????????????. 3.10 Marfin ??????? ??????? ?.?.10 ? Marfin ??????? ??????? ???????? ??? ????? 3 ????????? ??? ????????? ????????: 10 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? Marfin ???????? ???????? A.E.: www.marfinegnatiabank.gr 35 1. ??? ????????, ???????? 2. ??? ?????? ???????? 3. ??? Marfin ???????? ?? ????? ????? ????????? ??????????? ???????? ?????? ??? ???????? ???? ???????? ????????? ????? ?? ?? ?????????? ???? ???? ??????? ????????, ??? Marfin Egnatia Bank. ? ??????? ????? ? ????????? ???? ??????, ??? Marfin Popular Bank, ???? ????? ?????? ???? 95%. ? Marfin Egnatia Bank ???????? ?????????? ??????????? ???????, ??? ???????? ??? ??????? ????????????? ?????? ???????????? ??? ????? ???????????? ??????? ??? ?? ??????????? ???? ????????? ?????? ?????????????? ????????? ???????? ??? ????????? ??? ???? ??????? ???. ?? ??????????? ??????????, ??????? ????????? ??? ???? ??????? ?? ?????????? ??? ???????? ???????? ??? ????? ???? ??? ????? ???????? ??? ??? ????????????. 3.10.1 ??????? ??????? ? ??????? ??????? ???????? ?? 1991 ?? ???? ?? ??????????? ??? ????? ?? 1998 ?????????? ???? ?????????? ??? ?.?.?. ??? ??? ??????? ??? ???????? ????????? ???????, ??? ????? ?????? ?????????? ???? 30/7/1999. ? ????????? ????? ??????????????? ??? ??????? ??? ???????? ????????? ??????? ??? ?.?.? ???? ? 30/7/99. ? 26/8/99 ???? ? ????? ????? ??????????????? ??? ???????? ???????? ??? ?.?.? . ??? ?????? ??? 1999 ???????????? ? ???????? ??? ??????? ?????? ??? ????????? ??? ???????? ???????? ??? ??? ????? ???????? ????????? ??????? ??? ?? ????????????? ????????? Hogan ??? Pulse ??????????, ??? ???????????? ?????????????? ????????? ??????? Globus. ?? 2000 ??? ??????? ??? ??????????? ??? ???????? ??? ????????? ???? ????? ??? ??????????????? ??????? , ????????? ?? 2000 ?? ??????? BNP- Dresdner (Romania) S.A ? ????? ????????????? ?? Egnatia Bank (Romania) S.A. ??? ?????? ??? 2006 ? ??????? ??????? ????????? ?? ?????? ?? ?????????? ???????? ?? ?? ?arfin Financial Group. ??? ??????? ???? ??? ?????????? ??? 2006 ? ?????? ???????? ??????? ??????? ???????? ???.? ????????? ???????????? ???????? ????????? ????: ? ???? ???????? ??? ??????? ???????????? ????????? ??? ???????? ???????? ?? ??? ??? ???????? ??? 100% ??? ??????? ??? ??? 36 ???????????? ????????? ?? ?????????? ?????? 1,2090 ??????? ??? ?????? ???????? ??? ???? ??? ?????? ??? ???????? ????????. ? ???? ???????? ??? Marfin Financial Group A.E. ?????????? ??? ??? ???????? ??? 100% ??? ??????? ??? Marfin F.G. ?? ?????????? ?????? 5,7570 ??????? ??? ?????? ???????? ??? ???? ??? ?????? ??? Marfin F.G. ?? ???? ?? ???????????? ??? ???????? ????????? ??? ????????????? ??? ????????? ??? 2006 ? Marfin Popular Bank Public Company Limited (????? ?????? ???????? ??????? ??????? ???????? ???????) ??????????? ??????? 95,30% ??? ??? ????????? ????????? ????????? ??? ?Marfin Financial Group A.E. ??????????? ??? 86,25% ??? ??? ????????? ????????? ????????? ??? ???????? ??????? A.E.? (??????? 86,44% ??? ??? ????????? ??????????? ????? ??? ???????? ????????). ?????, ?? ?????? ??? 2007 ?? ?????????? ????????? ??? ???????? ???????? ???????? ?? ?????? ???????? ??????????? ??? ???????????? ??? ?Marfin Bank ??????? ????????? ????????? ??? ??? ?????? ????????(?????) ??????? ???????? ??? ??? ???????? ???????? ??????? ????????. ?? ???? ??? ??????? ???????? ??????????? ?????? ??? ??? ??????? ??? ??????? ??????????? ??? ?????????????? ???????? ??? ??? ?????????? ?????????? ??? ???? ????? ????????????? ?????? ? ????????? ??? ???????? ?????. 3.10.2 ????? ??????? ? ????? ??????? ???????? ?? 1992 ?? ?? ?????????? ??? ?????? ???????????? ??? ?????????? ?????? ???????? ???? ?????, ???? ??? ?????????????. ??????? ??????? ???? ?????? ??? ?????????????, ???? ??????? ?? ????? ??? ????????? ???????? ???? ???????? ???? ??? ???? ???????? ??????. 3.10.3 Marfin Bank ?? 1998 ???????? ? Marfin ?.?.?.?.?, ? ????? ?????????? ?? 2000 ??? ???????? ?.?.?.?.?.?. ??? ?????????? ???? ????? ?????????????? ?? Marfin E??????? ?.?.?.?.?.?. ????????? ? ??????? ??? ???????? Prime Bank ?? 2001 ??? ?????????? ???? ????? ?????????????? ?? Marfin BANK, ??? ?? 2003 ????? ? ????? ??? Investment Bank of Greece ??? ????????????? ? ?????????? ?? ?? Marfin E??????? ?.?.?.?.?.?. 37 ?? 2004 ????????????? ? Marfin Financial Group ???? ??? ??????????? ??? Comm Group, ??? Marfin Classic ?.?.?.? ??? ??? Maritime and Financial Investments (????? Marfin ?.?.?.?.?.). ????????? ????????????? ??? ? ?????????? ??? Marfin E??????? ?.?.?.?.?.?.?? ??? Investment Bank of Greece. ?? 2005 ????????????? ? ?????? ????????? ????????? ??? Marfin Financial Group ?.?. ?????????? ?? ??? ?????? 25.000.000 ???? ??????????? ??????? ?? ???????? ???????? ??? ??? ??????? ????????? ????? ? 400 ??. ??? ?????????? ????????? ?? ???????? ???????? ??? ??????? ??????? ?.?. ??? ??? ??????? ??????????? ???????? ??? ?? ???? ????????. ?? 2006 ? ?????? ????????? ?? ??? ????? ???????? ?????????????????? ?????????? ????? ??? ????? ???????. ?????????, ? ????????, ???????? ???????? ???????? ??? ?????????? ??? ??? Marfin Popular Bank Public Co LTD (????? ????? ??????? ?????? ??????? ???????? ??????? ??? ?????? Marfin Popular Bank), ???????? ????????? ??? Marfin Popular Bank ? ????? ???? ???? ??? ????? ??? ? ?????? ??? ?????? ???????????????? ??? ?.?. ??? ?.?.?. ?????, ?? 2007 ???? ??? ?????????? ??? ??????? ????????? ????? 5,2 ??? ???? ??? ???? ??????????? ??? ??? ?.?. ??? ????????? ?? ??????? ??? Marfin Popular Bank Co LTD ???? ???????? ?? ??????? ?????????. 3.11 ??????? ?????? ??????? ???????? ???????11 To 1989 ???????? ??? ?????????? ?? ???????????? ? ?????????, ?? ????? ?? 1912 ????????????? ?? ???????? ???????, ??? ????????????? ?? ??????? ??????? ??? ?? 1930 ???????????? ?? ??????? ????????????? ???????. ?? 1943 ???????????? ? ??????? ?????? ?? ????????? ???????? ??? ????? ?????? ??? ???????? ??? ?? ???????? ??? ????? ??? ??????????? ?? ?????? ???????? ??????? ?? ??? ???????? ??????? ???????? ?? ???????. ??? ?? 1944 ??? ?? 1990 ?????????? ?? ???????? ????????: ? ?????? ??? ?????????? ???????? ?????? (1944), ? ?????? ??? ??????? ????????? ?????? (1951), ? ?????? ??? ???????? ?????? (???????) (1955), ??? ??????????? ??? ????????? ????????? ??? ???????? 11 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ??????? ?????? ??????? ???????? ???????: www.cyprusbank.gr 38 ? ?????? ??? ?????????? ??????????????? ???????? ?????? (1964) ? ???????? ??? ?????? ??? ???????????? ???? ????? (1964) ? ???????????? ??? ????????????? ??? ?????? ??? ???????? ?????? (??????????) ??? ??????? ??? ??????? ??? ???????? ?????? ??? ???? ??? ??????????? ???????? ??? (1973). ? ??????? ??? ?????? ???????? ??? ???????? ????????? ???? ?????. ?????? ??? ????????? ?????????? ?????????? & ????? (CISCO).?????? ??? ???????? ?????? ??? ?????????? ??? ???????? ??????. ?????? ???????? ?????????????? ??? ???????? ???? ?????? ??? ???? ?????????. ?????? ??? ???????????? ????????? ???????? ??????. ?????? ??? ???????????? ???????? EuroLife ?? ????????? ???? ????????? ???? (1980-90) ? ???????? ??? ???????? ???? ?????? ???????????????? ????? ?? 1991 ?? ?? ?????????? ??? ?????? ???????????? ??? ?????????? ?? ???????? ????????: ? 1991: ?????????? ??? ?????? ???????????? ??? ???????? ?????? ???? ??????. ? 1994: ?????? ??? ABC Factors, ??? ?????? ???????? factoring ???? ??????, ?? ?????????? ??? ?? ??? ????????? ??? Alpha ????????. ? 1995 : ?????? ???????? ?????????????? ??? ????? ??????. ?????????? ??? BOC Global Equity Fund, ??? ?????? ???????? ????????? ????????? ??? ????????????? ??? ???????? ???????. ? 1996: ?????? ??? Guernsey ??? ???????? Bank of Cyprus (Channel Islands), ??? ?????? ????????? ???????? ?????????? ??????? ??? Channel Islands. ?????? ???????? ?????????????? ??? ??????? ??? ??????. ?????????? ??? ?????? ?????? ????????????????? ???????????? 24???? ???????????? ???? ?????. ???????? ??????? ??????? ?? ???? ???????. ? 1997: ?????? ???? ?????? ??? ???????? ?????? ?????????????? ????????? (?????? Leasing). ?????????? ??? ?????? ???????????? ??? ???????? ?????? ??? ???????, ?? ????? ?????????? ????????? ?? ??? ??????? ?????? (???????). ? 1998: ?????? ???????? ?????????????? ??? ??? ????? ??? ??? ?????. ?????? ???? ?????? ??? ???????? ???????? ??????????? ????????? ?????????, ?????? ?????. ???? ??? ??????? ??? 39 ????????????? ??? ????????????? ??? ????????. ?????? ??????????? ??? ??????????? ??????? ??? ???????? ?????? ??? ????????. ? 1999: ?????? ???????? ?????????????? ??? ???????????. ?????? ??? ?????? ????????? ?? ??? ??? ?????? ??????? ??. ? 2000: ???????? ???????? ??? ??????? ??? ???????? ??? ????????????? ????? ?????? (???). ?????? ??? Bank of Cyprus Australia Pty Ltd ??? ?????????? ??? ?????? ???????????? ??? ????????. ? 2001: ??????? ???????????? ??? ??????? ????????? ?????? ???? ??????, ?? ??? ???????? ?????? ???????????, ??? ??? EuroLife, ?? ??? ???????? ?????? ????. ??????? ??? ????????? ???????????????? ???????? Victory ?????? ??? ??????????? ??? ?? ?????? ?????? (?????? ???????????????). ?????? ??? ???????? (50%) ??? ???????? ?????? ??? ???? ABC Factors ???? ??? Alpha ???????. ? 2002-2006: ??????? ??? ?????? Factors ????? ??? ???????? ???? ??????. ?????????? ???????? ??? ???????? ?????? ??????? ??? ??? ?????????? ??????????????? ???????? ?????? ???? ??????? ??????. ?????? ??????? ?????????????? ????????? ??? ????????, ???? ??? Cyprus Leasing Romania. ? 2007: ?????? ?????????? ???????? ??? ???????? ??? ?? ?????. ? 2008: ??????? ??? ?????????? ???????? AvtoZAZBank ??? ???????? ?????????? ???????? ???? ????????. ??????? ??? 80% ??? ????????? ????????? ??? Uniastrum Bank ??? ????? ??? ???????? ??? ?????????? ???????? ???? ????? ??????? ???? ?????? ?????. 3.12 ?????? ??????? ??? ??????? ?.?.12 ? ?????? ??????? ??? ??????? ?.?. ???????? ?? 1937 ?? ?????? ?????? ?? ?.?.?. ???????? ??? ??????? ???????? ??????? ??? ????? 7? ???? ???????? ?????? ??? ????????? ????????. ????????, ??? ?? 2004, ????? ????? ??? ??????? ??????????? ??? Soci?t? G?n?rale, ???? ??? ???? ???????????? ??? ???????????? ??????????????????? ??????? ??? ??????? ??? ????????????????? ?? 82 ?????, ?? 163.000 ?????????? ?? 12 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? ??????? ???????? ??? ???????: www.genikibank.gr 40 ??? ??? ?????, ??????? ???????? ??? ??????????? 30 ???????????? ??????? ??????????. 3.13 Attica Bank ??????? ????????? ????????13 ? Attica Bank, ?????????? ?? ??????? ????????? ??????? ??????? ?? ??? ????????? ??? ?. 2190/20 ???? ???????? ????????, ???? ?????? ??????, ??? ????????? ??? ?. 2076/92 ???? ?????????? ????????? ??? ??? ????????? ??? ?????? ??????? ?????????????. ? ???????? ??? ?????????? ???????? ???????? ????? ?????? ??????? ?? ??? ??? ??????????? ???????????? ??? ??????? ???????????? ???????????, ???? ??? 5?? ??????????? 1925 ??? ????? ??? 4? ??????????? 2025. ??????? ?? ?? ????? 2 ??? ????????????, ?????? ??? ???????? ????? ? ????????? ?????????? ???????? ??' ????? ????? ?????????? ? ??? ?????????? ??????. ? ??????? ??? ?? 1964 ????? ???? ????? ???????? ??? ????????? ???????? ??? ??????? ??? ????????????? ???? 2-6- 1964. ???? 26/6/97 ? ?????? ???????? ????????? ???????? ??????????, ???? ??? ?.?.?., ????? ??? ??????? ??? ???????, ??? ?????? ??? ??? ?.?.? ??? ??? ??? 09/09/2002 ?????????? ??? ??????????? ??????????? ??? ????????? ??????? ??? ???????. ?? ??????????? ??????? ??? ???????? ?????: - ?? ?????? ????????? ????????? - ?????????? - ???????? ????? (??????) ?? 42,87% ??? ??????? - ?? ??????????? ??????????? ?? 22,43% ??? ??????? - ?? ?????? ????????????? ??? ??????? ?? 19,28% ??? ??????? ?? ??????, ?????? ???????? ????????? ?????????? ??? ???????? ?????, ????? ??? ?? ????? ???? ??????????? ?????? ?? 105.000 ????????????? ??? 17.000 ?????????????. ?? ????????? ??? ???????, ?? ???????? 31/12/2008, ?????????? ?? 3.301,8 ????. ????. ?? ?????? ????????????? ??? ???????, ????? ?.?.?.?. ?? ???? ??????? ?? 1919 ??? ???????? ??????? ?? ?????? ??? ?????????? ?????????????, ?? ???????? ???????, ??? ???????? ?????????? ??? ????????? ??? ???, ?.?.. ?????????? ??? ?????????? ????????? ???????? ???????, ? ??????? ??? ? ?????????? ??? ?????? ??????????? ?? ??????? ??? ???????? ???????????, ? ?????? ??? ????????? ??? 13 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? Attica Bank ??????? ????????? ????????: www.atticabank.gr 41 ?????????. ?????????, ??????????? ??? ??? ???????? ??????? ??? ?????????????? ??? ????????? ???? ??????????? ???. ????????? ??? ?? ?????? ????????????? ??? ??????? ???? ?? ?????? ????? ?.?.?.?., ?? ?????????? ??? ???????????? ????? ??? ?? ????????? ??? ????? ??????????? ????????????? ???? ???????? ???????. ????? ???? ????? ??? ?????? ????????? ????????, ??? ???????? ??????????? ?????? ??? ??????? ??? ???? ?.?.. ?? ??????????? ??????????? ???????? ?? 1900 (??. ??? ???????? ??? ??????? ???????). ????? ?? 2002, ??? ?? ??? ?????? ????? ??????????? ?? ??????? ???????, ?????? ????????? ??????? ???????? ?? ?????????? ??? ?????????? ???????????, ???????????? ??? ??? ??????? ????????? ??? ????????????. ?? ??????????? ??????????? ????????? ?????? ?? ??? ???? ?????????????? ?? ?? ????????? ??? ?? ??????? ??????? ??? ?? ????????? ??? ???????? ??? ???? ?? ???????? ?? ?????? ????? ??? ???????? ?????????? ?????????. ?? ??????????? ??????????? ????? ????? ??? ?????? ????????? ????????, ??? ?????? ?????????? ???????????? ??? ??? ?????????? ??????????? ????????????. 3.14 Aspis Bank ??????? ????????? ????????14 ? Aspis Bank ??????? ????????? ????????, ???????? ?? 1992 ??? ??? ?. ????? ?. ??????? ??? ??? ??????????? ???????? Aegon Bv, ?? ?? ?????????? ????? ????? ?????????? ??????? ?.?. ??? ????????? ??? ????? ???????? ?????????? ??????? ???? ??????. H Aegon Bv, ?????? ???????? ?? ??????? ?????????? ??? ???? ??????? ??? 50% ?? 1992 ?? 0% ?? 1995. ?????? ???????, ??????, ????? ? ?????? ????????? ????? ??????? ?.?.?.?. ??? ?? 1992 ??? ????? ??? 03.08.2001, ? ?????????? ??? ???????? ??????? ??? ??? ????????? ??? ?????????? ???? ?????????? ????????. ?? 2001 ???????? ? ???????? ??? ?????? ??? ?? ?? ????????? ??? ??? ?????????? ?? ???????? ??? ? ?????? ??? ????????? ??? ??? ????? ?????????? ??????? ?.?. ?? Aspis Bank ?.?.?. ?? 2002 ? ??????? ?????????? ?? ?????? ???????? ?????????? ??? ABN AMRO Bank ????? ??? ??? ??????????? ????????. 14 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? Aspis Bank ??????? ????????? ????????: www.aspisbank.gr 42 ?? ??????? ??? Aspis Bank ????????????????? ??? ????????????? ?????? ??? ?? 1998. ???? ????? Aspis Bank ??????? ?? ????????? Aspis Leasing A.E., Aspis Credit A.E., Aspis A.E. ????????? ?????????? ??? Aspis International ?.?.?.?.?. ?? ?????? ??? ??????? ???????????? ??????????? ??????? ?????? 74 ???????????. ?????? ??? ???????? ????? ? ???????? ??? ??????? ???????????? ???, ?? ??? ?? ?????? ?????? ?????? ??? ??????????? ???? ??? ??????????????? ???????????? (?? ????? ?????? ???? ????????????? ??????? ABN AMRO BANK) ??? ?????????? ?? ?? ??? ????????? ??????????? ??? ???????? ????? ??? ?? ??????? ????. 3.15 Proton ??????? ?.?.15 ? Proton Bank ???????? ?? ?????????? 2001 ??? ???????? ??????? ??? ???????? ??? ?? ?????????? 2002, ?????????? ?????????????? ????????? ??????????? ??????????. ??????? ??? ???????? ????? ? ?????????? ??????? ??????????? ??? ?? ?.?. ?. ??????????? ??? ?. ??????. ???????????? ??? ???????? ??????????? ??????, ? ??????? ??????? ?? ?????? ???????? ??? ????????????? ?????? ?? ????????? ??? 2005 ??? ??? ???????? ?????????? ????? ?????????? ??? ?.?. ???????? ????????? ?????????? ?????????????, ??? Arrow, ??? ??????? ??? ??? ????????????. ?????????? ?? 2006 ? ?????????? ?? ??? ????? ???????, ?? ?? ??????????? ????? ?? ???????? ???????? ??? ??? ? 350??. ???? ?? ??????? ??????? ????????, ? Proton Bank ?????????? ?? ??? ???????????? ???????????????? ????? ??? ????? ??? ??????????? ?????????, ????????? ?????????? ????????, ???????????????? ??? ???????????? ?????????, ????? ??? ????????? leasing. 15 ?? ???????? ??? ???????? ????????? ??????????? ??? ??? ??????? ?????????? ??? Proton ??????? ?.?.: www.protonbank.gr 43 4. ? ?????? ?????? ??? ??????? ??? ????????? ???????? 4.1 ???????? ?????? ??? ???????? ????????? ????? ? ?????????? ?????????? ??? ????? ??? ??????? ??? ?????????? ??? ????????????? ?????? ?????????? ????????? ??? ??? ?? ??????? ???????? ??? ????? ?????????????????. ???? ????????? ??? ????????????? ?????? ????????? ??? ????????: 1. ?????????? ??????????? ??? ????????? ??? ????????? ??? ??? ????? ??? ??????? ?????. 2. ????????????? ?????????? ??? ??????? ??? ????? ??? ??????? ????. ???????? ??? ??????? ???????? ??????????? ?? ????? ?????????? ?? ???????????, ????????? ?? ??????? ??????????? ?? ??????????? ???????. ?? ???????? ???? ?? ???????? ??? ?????????? 30????? ????? ??????? ?????????, ???? ????? ??? ??????? ?? ??????????? ????????. ????????, ? ???????? ???? ?????? ?????? ?????? ??? ????????? ???????? ??? ??? ??????????????? ???? ????? ??? ????? ???? ????????? ??? ???????? ???????????, ?????, ????, ?? ??? ????? ?? ?????????? ?? ???????? ????????????. ?????????, ? ????????????? ?????????? ????? ???????? ??? ?????? ??? ?????? ?????? ???? ?? ???????? ?? ?????????? ??? ?????????? ??? ?????? ??? ??????????????? ?????? ?? ??????? ???????? ????????. 4.2 ??????? ??? ??????? ?.?. ? ??????? ??? ??????? ????? ? ????? ??????? ??? ??????? ??? ????????????? ????? ?????? ? ???????? ????????????? ?????? ? ????? ???????? ?? ?????????? ???? ??? ????????? ????????????????? ?????????? ??? ???????. ? ?????? ??? ????? ??? ??????? ??? ??? 2/1/1986 ??? ??? 31/12/2009, ????????????? ??? ???????? ?????????: 44 ????????? 4: ?????????? ?????? ??? ????? ??? ??????? ??? ???????? ??? ??????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ???? ??? ????? ????????? ??? ?? ???????? ????????? ????? ?? ??????? ??? ??? ??? ?? 1996 ???????, ? ?????? ??? ???????? ??? ??????? ????????? ?? ??????? ?????? ??????? ?? ?????? ??????? ???????? ????. ???????? ???????? ?? ???? ?? ???????? ???????? ?? ???????? ??? ?? 1990 ??? ?? 1991 ???????, ????? ?????? ??? ??? ????? ???? ??? ????????? ??????????????. ??????, ?? ?????? ?? ????????? ??? ??? ???? ????, ??? ?? 1986 ??? ??? ?? 1990, ? ????????????? ??? ??????? ???????? ?? ?????? ???????, ??? ???????? ??? ???????????? ???????? ??????????? ? ????????????? ????????? ??????, ??????? ??? ?? ??????????? ??? ?? ????? ???????. ??? ?? 1996 ??? ?????? ? ???? ??? ??????? ???????? ????? ?? ???? ???????. ????????? ??? ????? ??? ?????????????? ?? ???????? 1996 ? 2000, ?????????????? ?? 90?, ????? ??? ??????????? ??? ? ????? ????? ??? ?????????????? ??? ?? ?????????????? ????? ??? ??? ??? ?????? ???????. ??? ?? 2003 ??? ?????? ??????? ??? ???? ??? ??????? ??????? ?????? ??? ??? ??????? ??? ???????, ? ????? ??? ?? ???????????, ???? ????? ????????? ??? ?? ?????????? ???? ??? 90? ??? ??????, ?? ??? ??????? ??? ?????????? ?????????????????? ?????? ???? ?????? ???? ?? ???????? ??? 2008. 45 ??????? ??? ??????, ? ???? ??? ?????? ????????? ??? ???? ??? ??????? ????????, ????????????? ?? ??????? ????????????? ??? ?? ???????? ??? ?????? ???????. 4.3 ?????? ??????? ??? ??????? ?.?. ? ?????? ??????? ??? ??????? ?.?. ???????? ?? 1841 ??? ??????? ??? ????????????? ????? ?????? ?? 1880, ??????????? ??? ??? ??? ?????? ???????? ??? ?????????? ??? ???????? ?????????????. ??? ???????? ????????? ??????????? ? ?????????? ?????? ??? ????? ??? ??????? ???. ????????? 5: ?????????? ?????? ??? ????? ??? ??????? ??? ??????? ???????? ??? ??????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ??? ????????? 5 ??????????? ??? ???? ????? ??????: 1. ???? 1?: 1986 ? 1996. ? ?????? ???????????????? ?? ??????? ?????? ??????? ????? ?????????? ???????????? ?????? ???? ??? ??? ???? ??? 5?, ?? ?? ????????????? ??? ?? ??????? ??????????? ??? ?? 1990 ??? ?? 1996 ?? ????????? ????? ??????. 46 2. ???? 2?: 1996 ? 2003. ? ?????? ??????????? ????? ??? ??? ????? ??? ?????????????? ??? 2000. ?? ????????? ???? ????? ???, ?????????????? ?? ??? ???? ???????? ????? ??? ??? 35 ??????? ???? ??? ??????, ??? ?? ????????? ??? ???? ????? ???, ?????????????? ?? ?????????? ?????? ??? ????????? ??? 5 ???? ??? ??????. 3. ???? 3?: 2003 ? 2009. ? ?????? ?????? ??? ???????? ??? ??? ?????????? ??? ???????? ????? ??????????? ?? 40 ???? ??? ??????. ? ???????, ????, ??? ?????????? ????????????????? ?????? ??? ?????????? ?? ????????? ????, ?????? ???? ??? ?? 10 ????, ??? ?????? ??????? ?? ??????????. 4.4 ??????? EFG Eurobank Ergasias ?.?. ?? 1999 ???????????? ??????? ???????? ??????? ??? ????????? ? EFG Eurobank ??? ????????????? ????? ??????. ??? ????????? ??? ????????? ??????????? ? ?????? ??? ??????? ??? ??? 2/1/1986, ????, ?????? ????????? ??? ?????? ??? ????????????? ???????????. ???? ??????? ???, ????, ?? ?????????? ???? ?????? ??? ??????? ???? ??? ?????????????? ??? ????????? ?????? ??? ????????. ????????? 6: ?????????? ?????? ??? ????? ??? ??????? ??? EFG Eurobank - Ergasias ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 47 ??? ?? 1999, ??????, ???? ??????????? ??? ??? ????????? 6, ???? ????????? ??? ?????? ??????? ???????? ??? ????? ??? ????????? ??? ?????????, ????????????, ????, ??? ?? ??????????? ??????? ??? ?????????????? ??????. ? ??????? ?????????? ?? ??? ???????? ??? ?????, ???? ?????? ??? ????????, ?? 1999, ?????? ??? ??????? ??? ????? ??? ?????????????? ??????, ??????? ??? ???????? ??? ??? ??? ?????? ????????????? ??? ????? ??? ???? ?? ???????? ????? ??? ??????. ? ??????? ???? ??? ???? ?? ???????? ??????? ?? 28 ????. ??? ??? ???????????? ?????? ???? ????? ??? 2000, ???????????? ??? 20 ????, ?????? ???????? ??? ???? ???? ?? ?? ?????? ??? ??????. ? ???????? ???? ??? ???? ??? ??????? ??? ???? ?????? ????? ????? ??? 6 ????. ??? ???????? ????????? ??? ???? ??? ????? ??? ??????????????, ?????, ????, ????? ?? ???? ?? ????????? ?? ?????? ?? ??????????? ???????? ????? ??? ??? ???? ??? 2008 ??????????? ??? ????? ??? ??? ????????? ???????????????? ????? ??? ????????? ??? 4 ???? ???????. 4.5 ??????? Alpha Bank ??? ????????? 7 ??????????? ??? ???? ????? ?????? ??? ?? ?????? ??? ???????? Alpha Bank ??? ?? 1986 ??? ??? ??????: 1. ???? 1?: 1986 ? 1990. ? ?????? ???????????????? ?? ??????? ?????? ??????? ?? ??? ?????? ??????? ???? ???? ???? ??? ??? ???? ??? 4 ????. 2. ???? 2?: 1990 ? 2003. ? ?????? ??????????? ????? ??? ??? ????? ??? ?????????????? ??? 2000. ??? ???? ??? 1999 ?????? ?? ??????? ?? ???????? ????? ??? ???? ????? ??? ??? ???? ??? 24 ???? ??? ??????, ???????????????? ?? ???????? 9 ???? ??????? 20 ???? ?????? ??????? 500%. ???? ?? 1999 ? ?????? ??????? ??? ???????? ??? ??????, ????????? ??? ???? ??? 2003, ??? ???? ?? 4 ???? ??? ??????, ?????, ????, ?? ????? ??? ???? ??? ????. 3. ???? 3?: 2003 ? 2009. ? ?????? ?????? ??? ???????? ??? ????? ???? ?? ????????? ??? ???????? ?????, ?????? ? ??????? ???? ??? ??????? ????? ??? ?????? ????? ???? ??? ?? 24 ????. ? ???????, ????, ??? ?????????? ????????????????? ?????? ??? ?????????? ??? ??????? ??? 1?? ?????, ?????? ???? ??? ?? 4 ????, ??? ???? ??? 2009, ??? ?????? ??????? ?? ??????????. 48 ????????? 7: ?????????? ?????? ??? ????? ??? ??????? ??? Alpha Bank ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 4.6 ??????? ???????? ?.?. ??? ????????? 8 ??????????? ??? ???? ????? ?????? ??? ?? ?????? ??? ???????? Alpha Bank ??? ?? 1986 ??? ??? ??????: 1. ???? 1?: 1986 ? 1996. ???? ????????? ???????????. ? ?????? ????????? ?????? ??????? ???? ???? ??? ?? 6 ???? ??? ??????. 2. ???? 2?: 1996 ? 2003. ??? ??????? ??? ??????? ??? ??? ?????? ??? ??????????????, ? ?????? ??? ???????? ??????? ??????? ????? ?? ???? ??? 1999, ??????????? ?? ?????????? ???? ??? 22 ???? ??? ??????, ??? ??? ???????? ??????? ???????, ????????????? ?? 2003 ???? ??? ??? ???? ??? ?????? ?????, ????? ??? ?????????? ????? ???? ??? ?? 4 ????. 3. ???? 3?: 2003 ? 2009. ? ?????? ??? ???????? ???????? ?????????? ???????????? ??? ???? ??? 2007 ??? ???????? ????? ????? ??? 28 ????. ??? ???????? ??? ???????? ??? ????????????????? ??????, ????????? ???????? ???????? ?????? ??? ??? ??????? ??? ???? ??? ?? 49 ???????? ?????? ??? ???????? ?????. ?????? ? ?????? ??????? ?????? ?????????. ????????? 8: ?????????? ?????? ??? ????? ??? ??????? ??? ???????? ???????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 4.7 ???????? ??????? ??? ??????? ?.?. H ???????? ??????? ????? ????????? ??? ?? ??? ?? 1909. ??? ????????? 9 ??????????? ? ?????? ??? ????? ??? ??????? ??? ?????? ?? ???????? ??? ?????????? 24?????. ?? ???? ???????????? ???????? ??????: 1. ???? 1?: 1986 ? 1990. ???? ???????????? ?? ????? ??????????. ? ?????? ????????? ?????? ??????? ???? ???? ??? ?? 5 ???? ??? ??????. 2. ???? 2?: 1990 ? 1997. ???? ???????????? ?? ?????? ??????????. ? ?????? ????????? ??????? ???? ??? 6 ???? ??? ??????, ????????????, ????, ?????? ????????????. 3. ???? 3?: 1997 ? 2003. ? ????? ??? ?????????????? ?????? ?? 2000 ?????? ?? ?????? ?? ???? ????? ???????, ?????????? ??? ???? ??? 75 ???? ???? ?? ???? ??????? ??????? ???????? 2 ????, ??? ??? ???????? ??? ??????????? ?????? ??????? ??? ???????? ?????. 50 4. ???? 4?: 2003 ? 2009. ? ???????? ??? ????????? ??????? ??? ?????? ??? ?????????????? ??? ???? ????? ?? ??? ??????? ?????? ??? ???????????? ??? ?? 1997-1999. ? ????????? ???? ??? ?????? ? ?????? ?????????? ???? ??? 33 ????. ? ???????????????? ????? ?????????? ??? ???? ??? ??????? ??? ???? ??? ??????? ??? 5 ?? 6 ???? ??? ??????. ????????? 9: ?????????? ?????? ??? ????? ??? ??????? ??? ????????? ???????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 4.8 ???????? ??????? ??? ??????? ?.?. ??? ??? ????????? ??? 2001 ? ?????? ??? ????????? ???????? ???????????????? ??? ????????????? ?????. ??? ????????? 10 ????????????? ? ?????? ??? ????? ??? ???????? ??? ??? ???????? ??? ????? ??? ??? 31/12/2009. 51 ????????? 10: ?????????? ?????? ??? ????? ??? ??????? ??? ????????? ???????? ??? ?? ???????? 1/1/2001 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ?? ???????? ????????? ????? ?? ????? ??? ??????????????? ?????????? ??? ?? ??? ?????? ????????? ?? ????, ??????? ??? ????????? ??? ??????? ?????? ????????? ??? ??????? ??? ????????????? ??????. ? ?????? ??????? ??????? ??? ?????? ??? ?????????????? ??? 2000, ??????? ??? ??????? ???? ????????????? ????? ??? ????? ??? ??????? ??? ??? ??? ??????? ??? ??????? ???????? ??? ???????? ?????? ??? ?????? ???? ?? ???????? 1997 ? 2003. ???? ??? ??????????? ????? ??? ? ?????? ????? ??? ????? ??? 2008 ???? ??? ???????? ???? ???? ??? 4 ???? ??? ?????? ???? ??? ??? ????? ????????????????? ??????? ????????????. ?????????? ??? ??????????? ????? ? ??????? ??? ? ???????? ???? ??? ????????, ?? ?????? ????? ???? ??? ?? 6 ???? ??? ???? ???? ??? ?? 2 ???? ??????????. ????????, ????, ? ?????? ??? ????????? ???????? ??? ???????? ?? ???????? ??? ??? ????????? ??? ???????? ????????????????? ??????, ? ????? ??????? ??? ???? ??? ??????? ??? ???? ??? 2008 ??? ???????? ??? ??????, ?????? ???? ???? ??? ?? 1 ???? ??? ??????. ?????? ? ?????? ??????? ??????? ????????? ???? ?? ??? ???????? ?????. 52 4.9 ??????????? ??????????? ?.?. ?? ??????????? ??????????? ???????????? ????? ?? 2002 ?? ??????? ????????? ??????? ??? ?? 2006 ????????? ???????? ??? ????????????? ??????, ??? ??????? ??? ???????? ???????????? ????????????????. ??? ????????? 11 ??????????? ? ?????? ??? ??????? ??? ??? ?? ??????? ???????? ??? ??? ???????? ??? ????? ??????. ????????? 11:?????????? ?????? ??? ????? ??? ??????? ??? ???????????? ???????????? ??? ?? ???????? 1/6/2006 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ???? ??? ????????? ????????? ??? ??????? ??? ???????????? ???????????? ??? ??????????????? ?????, ? ?????? ??? ??????????? ???? ??? ??? ????? ??? ??? ?????????? ???? ?? ???????? ??? ????????????????? ??????. ???? ??????????? ??? ??? ????????? ???? ??? 11 ???? ??? ??????, ?????? ???? ??? ???? ???? ?? ????????? ?? 17 ???? ??? ?? ??????? ??? ??????? ??? ??????? ??????. ? ??????? ????? ?????? ???????? ?? ???? ???? ???? ??? ?? 3 ???? ??? ??????. ?????? ????????? ??? ???? ??????? ????????? ??? ?? ?????? ??? ????????????????? ??????. 53 4.10 Marfin ??????? ??????? ?.?. ???? ?????? ??? ???????? ? Marfin ??????? ??????? ??????? ??? ?? ?????????? ??? ???????? ????????, ??? ?????? ???????? ??? ??? Marfin ????????. ? 26/8/99 ???? ? ????? ????? ??????????????? ??? ???????? ???????? ??? ?.?. ??? ???????? ????????? ??????????? ? ?????? ??? ??????? ??? ???????? ??? ??? ???????? ??? ???????? ???????? ??? ????????????? ????? ??? ??????. ????????? 12:?????????? ?????? ??? ????? ??? ??????? ??? Marfin E??????? ???????? ??? ?? ???????? 26/8/1999 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ??????????? ??? ? ???????????? ?????? ????????? ??? ??????????????? ????? ?? ???? ????????????, ???? ????????? ??? ?? ????????? ?????? ???. ????????? ????? ??? 23 ????, ?????? ????? ??? 1999 ?? ??????????? ?? 26 ???? ??? ??? ???????? ?????? ??? ?????? ???????? ?????? ??? ??? ????? ?? ???????? ?????? ??? ????? ??? 2 ???? ??? ??????. ? ?????????? ???????? ??? ???????????????? ?????? ??? ??? ????? ???? ?? ??????????? ??????? ??? ????? ??? ?????????? ?? 10 ???? ??? ???? ??? 2006. ? ???????????????? ????? ??? ????? ??? ???? ???? ??? ?? 54 2 ????. ??????, ????, ????? ??? ??? ????? ??????? ??? ??? ?????????? ??? ???? ???????? ??????, ????? ???? ????????? ?????????? ??? 2009 ??????? ??? 1,77 ????. 4.11 ??????? ?????? ??????? ???????? ??????? ? ??????? ??????? ?????? ??????? ??? ????????????? ?????? ???? 8/11/2000. ?? ???????? ????????? ??????? ??? ?????? ??? ????? ??? ??????? ??? ??? ??? ???????? ??? ??? ??? ??? 31/12/2009. ????????? 13: ?????????? ?????? ??? ????? ??? ??????? ??? ???????? ?????? ??? ?? ???????? 8/11/2000 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ? ?????? ??? ???????? ??????? ??? ??????????????? ????? ??? 7 ???? ??????? ??? ?????????? ??? ??????? ?????? ??? ?????? ????? ??? ?? 2003, ????????? ??? ???? ??? ?? ?????????? ???? ??? 2 ???? ??? ??????. ??? ???? ??? ????? ??? ???????? ??? ????????????????? ?????? ???? ?????? ?? 2008, ????????? ??? ?????? ?? ??????? ???????? ??????, ?????????? ??? ????? ??? 2008 ????? ??? ???? ???????? ??? ????? ????????? ???. ? ???????????????? ????? ?? ?????? ??? ???? 55 ???? ??? ?? ?????????? ???? ??? 2 ???? ??? ??????, ???????????????? ???????? ??????. ?????? ????????? ??????? ?????????. 4.12 ?????? ??????? ??? ??????? ?.?. ? ?????? ??? ????? ??? ??????? ??? ??????? ???????? ??????????? ??? ????????? 14. ????????? 14: ?????????? ?????? ??? ????? ??? ??????? ??? ??????? ???????? ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ?? ????????? ???? ??????? ???? ?? ?? ????????? 9, ?????? ? ?????? ??? ????? ??? ??????? ??? ??????? ???????? ??????? ??? ?????? ??? ????? ??? ??????? ??? ????????? ????????. ??????????? ??? ???, ????????, ???????? ??????. 1. ???? 1?: 1986 ? 1990. ???? ???????????? ?? ????? ??????????. ? ?????? ????????? ?????? ??????? ???? ???? ??? ?? 2 ???? ??? ??????. 2. ???? 2?: 1990 ? 1997. ???? ???????????? ?? ?????? ??????????. ? ?????? ????????? ??????? ???? ??? 2,5 ???? ??? ??????, ????????????, ????, ?????????? ????????????. 56 3. ???? 3?: 1997 ? 2003. ? ????? ??? ?????????????? ?????? ?? 2000 ?????? ?? ?????? ?? ?????? ????? ???????, ?????????? ??? ???? ??? 21 ???? ???? ?? ???? ??????? ??????? ???????? 2 ????, ??? ??? ???????? ??? ??????????? ?????? ??????? ??? ?????? ?????. 4. ???? 4?: 2003 ? 2009. ? ???????? ??? ????????? ??????? ??? ?????? ??? ?????????????? ??? ???? ????? ?? ??? ??????? ?????? ??? ???????????? ??? ?? 1997-1999. ? ????????? ???? ??? ?????? ? ?????? ??????? ?? 7 ????. ? ???????????????? ????? ?????????? ??? ???? ??? ??????? ????? ?????????? ??? ?? ??????? ??? 2,5 ???? ??? ??????, ???????????? ?????????? ???????? ??????. 4.13 Attica Bank ??????? ????????? ???????? ? ??????? ??????? ??? ????????????? ???? 2-6-1964. ??? ????????? 15 ??????????? ? ?????????? ?????? ??? ????? ??? ??????? ??? ??? 1/1/1986 ??? ??? 31/12/2009. ????????? 15: ?????????? ?????? ??? ????? ??? ??????? ??? Attica Bank ??? ?? ???????? 1/1/1986 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 57 ??? ???????? ????????? ??? ???? ???????????? ???????? ??????, ???? ??????? ????? ??? ???? ???????? ??????? ??? ?? ?????? ???????: 1. ???? 1?: 1986 ? 1990. ???? ???????????? ?? ????? ??????????. ? ?????? ????????? ?????? ??????? ???? ??? 2 ???? ??? ??????. 2. ???? 2?: 1990 ? 1997. ???? ???????????? ?? ?????? ??????????. ? ?????? ????????? ??????? ???? ??? 2,5 ???? ??? ??????, ????????????, ????, ?????? ????????????. ?? ?????????? ?? ???????????? ???????????? ???? ???? ??? ??? ????? ??? ????????????? ????????. 3. ???? 3?: 1997 ? 2003. ? ????? ??? ?????????????? ?????? ?? 2000 ?????? ?? ?????? ?? ?????? ????? ???????, ?????????? ??? ???? ??? 16,50 ???? ???? ?? ???? ??????? ??????? ???????? 2 ????, ??? ??? ???????? ?? ????? ?????????? ??????? ??? ?????? ?????, ?????? ??????? ????? ??? ?? 1 ???? ??? ??????. 4. ???? 4?: 2003 ? 2009. ? ???????? ??? ????????? ??????? ??? ?????? ??? ?????????????? ??? ???? ??? ?? ????? ??? ????????? ????? ????? ?? ??? ??????? ?????? ??? ???????????? ??? ?? 1997-1999. ? ????????? ???? ??? ?????? ? ?????? ?????????? ???? ??? 5 ????. ? ???????????????? ????? ?????????? ??? ???? ??? ??????? ??? ???? ??? ??????? ??? 2 ???? ??? ??????, ?????, ????, ?? ??????????? ??? ???????? ??????. 4.14 Aspis Bank ??????? ????????? ???????? ?? ??????? ??? Aspis Bank ????????????????? ??? ????????????? ?????? ??? ?? 1998. ? ?????? ??? ????? ????? ??? ??????? ????????????? ??? ???????? ?????????, ??? ????? ???????????? ??? ??????: 1. ???? 1?: 1998 ? 2003. ? ???? ??? ??????? ??????????? ????? ??? ??? ????? ??? ?????????????? ?????? ??? 2000. ??? ????????? ??? 4 ???? ???????, ?????????? ????? ???? ???????? ????????, 1,5 ????? ???????, ?? ??????????? ??? 23 ???? ?????????????? ?????????? ????? ??????? 19 ???? ??? ?????????? ??????? ??? ?? 475%. ??? ?? ???? ??? 2000 ??? ?????? ? ?????? ??????? ?????? ??? ?????? ????? ?? ?????? ??? ??????? ??? 2,5 ???? ??? ??????. 58 2. ???? 2?: 2003 ? 2009. ? ???????? ?? ????? ??? ??????? ??? ????? ??????. ? ??????? ???? ??? ????????? ? ?????? ????????? ????? ?? 5 ????, ????? ????? ?? ?? 23 ???? ??? ???????????? ?????. ????????, ? ????? ??? ????????? ???????? ??? ??????? ??? ????????????????? ????? ??? ???? ?????? ????? ?????????? ??? ??? ?????????? ??? ???????????? ?????, ?????? ???? ?? ?????? ? ???? ??? ??????? ????? ????? ???? ??? ?? ?????????? ???? ??? 1 ???? ??? ??????. ????????? 16: ?????????? ?????? ??? ????? ??? ??????? ??? Aspis Bank ??? ?? ???????? 8/9/1998 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 4.15 Proton ??????? ?.?. ? ??????? ??????? ??? ????????????? ?????? ?? ????????? ??? 2005. ? ?????? ??? ??????? ??? ??? ??? ???????? ??? ????? ??? ??? ????????? ?????????? ??? 2009 ??????????? ??? ???????? ?????????. ???? ??? ????????? ????????? ??? ???????? ??? ??????????????? ????? ??? ??????, ???? ???? ??? 6 ???? ??? ?????? ???????, ??????????? ??? ?? ?????? ????? ??? ????????????? ???? ????? ??????? ??? ???????????????? ?????? ??? 59 2000. ? ??????? ???? ??? ?????????? ???? ?? ??????? ???????? 2 ???? ??? ??? ???????? ???, ? ????? ???????? ??? ???????? ????? ??? ??? ??????, ????? ???? ????? ??? 11 ???? ??? ??????. ?? ??? ??????, ????, ??? ????????????????? ?????? ???? ?????? ??? ???? ??? 2008, ? ?????? ????????? ???? ??? ?? ?????????? ???? ??? 1 ???? ??? ??????, ???????????? ???????? ?????? ??? 0,46 ????. ?????? ? ?????? ??????? ??????? ????????? ????????????????? ???? ??? 2 ????. ????????? 17: ?????????? ?????? ??? ????? ??? ??????? ??? Proton ???????? ??? ?? ???????? 21/12/2005 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 4.16 ???????????? ??? ??? ??????? ??? ?????????? ??????? ???? ?? ???????? ??? ?????????? 25????? ???????? ??????????? ?? ??????????? ??? ????? ??? ??????? ??? ????????? ???????? ??? ????????????????? ??? ????????????? ?????? ??? ??? 31/12/2009. ? ?????????? ??????? ??? ???????????? ???????? ??????? ?? ??? ?????????? ????????? ??? ???????? ??? ??????????????? ?????. ?????? ????? ????? ???????????? ??? 1/1/1986 ???? ? ?????????? ??????? ??? ???????????? ????? ? 60 1/1/1986. ?????? ????? ????? ????????????? ??? 1/1/1986, ???? ? ?????????? ??????? ??? ???????????? ????? ? ?????????? ????????? ???. ?? ?????? ?????????? ??? ????????? ??? ?? ??????????? ???? ????? ??? ? ???????????????? ????? ??? ?????????? ????????? ???????????? ?? ??????? ??????? ??? ????? ?????? ???? ??????. ? ?????? ????? ?????? ?? ???????? ?? ???????? ??????: 1. ???? 1?: 1986 ? 1990. ? ???? ????? ?????????????? ??? ?????????? ??????????? ???? ????? ??? ??????? ?? ???? ????? ??????????. ? ?????????????? ????? ??? ???????? ??????????? ?? ???? ?????? ???????. 2. ???? 2?: 1990 ? 1997. ? ???? ????? ?????????????? ??? ??????????? ???? ????? ??? ??????? ?? ??????, ????, ??? ???????????. ?? ??????? ??? ??????? ??? ??????????? ??? ??????? ????????? ??? ??? ?????? ??? ????? ??? ???????? ????? ??????????????, ?????? ??? ??? ?????????? ??? ????????????, ?? ???????????? ????, ??? ???????? ??? ??? ???????????? ??? ???????????? ??? ??????????? ?? ???????????. 3. ???? 3?: 1997 ? 2003. ?? ??????? ???? ???????? ?????????????? ??? ??? ????? ??? ???????????????? ?????? ??? 2000. ???? ?? ??????? ???????????? ?????????? ??????? ???????? ?????? ??? ?? ???????????? ??? ???????? ?????? ???????? ??????, ? ????? ??? ????????? ?? ??????? ????? ???????????? ??? ??????. 4. ???? 4?: 2003 ? 2009. ???? ?? ???????? ??? ???????? ????? ???????????? ???????? ??? ????? ???? ?? ???? ??? ?????????????? ??? ??? ???????? ??? ??????????? ???????? ??? ?????. ?? ????? ???????? ??? ???????? ?????? ??? ??? ??????????? ??????? ??????, ? ????? ??????????? ??? ????????????? ??? ??? ????????? ???????????????? ????? ??? 2008. ?? ?????? ????? ????????????? ?? ???? ??? ???????, ??????? ??? ???????? ???????? ??? ?? ????? ???? ???????????? ??? ???? ?????? ??????????. ? ?????????? ????? ????? ? ???????????? ????????, ? ?????? ?????? ??????????? ???? ???? ?????????? ???????, ????? ?? ??????? ????? ????????? ??? ?????? ??? ?????????????? ??????, ?????? ????????? ??????? ?? ????? ??????????????. 61 5. ? ?????? ??? ??????? ??? ????????? ???????? ???? ?? ???????? ??? ????????????????? ?????? 5.1 ???????? ??? ??????????? ???????? ?????????? ???? ???????? ?????? ??? ???????????? ? ?????? ??? ??????? ??? ????????? ???????? ??? ????????????? ???? ??? ????????? 24????. ? ????????? ???? ???? ????? ?????????? ???? ?????? ??? ???????? ?? 2003 ??? ????? ?? 2009, ? ????? ?????????????? ??? ??? ???????? ??? ??????? ???? ?? ??????????????? ????? ??? 2000 ??? ??? ?? ???? ?????? ???? ???? ??? ?????????? ????????????????? ??????. ??? ???????? ???? ?????? ??? ????? ?? ????????????? ?? ??????????? ??? ??????? ??? ????????? ???????? ???? ??? ????????? ????? ??? ???????????????? ??????, ?????? ???? ??? ???????? ??? ????????????????? ?????? ???? ??????. ???? ?? ????? ???? ?? ???????????? ?????? ?? ??? ??????????? ?????????? ??????? ??? ????????? ?????????16 ??? ??? ????? ??? ????????????????? ??? ????????? ?????? (1/1/2008 ? 31/12/2009) ??? ?? ????????? ??? ???????????? ??? ????? ???? ???? ?? ???? ??????? ????????. ?? ???????? ????????? ?? ?? ???????????? ??? ????????? ???? ??? ?? ?????????? ??????? ??? ????????? ??? ??? ??? ?? ?????? ??? ???????? ????????????. 5.2 ?????????? ??????? ??? ????? ??? ??? ????????? ??? ??????? ???? ?? ???????? ??? ?????????? ????????????????? ?????? ??? ???? ??????? ??? ??????????? ???????? ??? ????????? ??? ?????????? ??????? ???????????? ??? ?? ??????? ???????? ??? 1/1/2008 ??? ??? 31/12/2009 ?? ???????? ?????????? ????? ????? ??? ?????????: ? ???? ???? ??? ????? ??? ??? ?????????. ? ??????? ???? ??? ????? ??? ??? ????????? ? ???????? ???? ??? ????? ??? ??? ????????? ? ????? ??? ????? ??? ??? ????????? ? ?????? ???????? ??? ????? ??? ??? ????????? ???? ???????? ?????? ???????????? ?? ?????????????? ?????????? ?????. 16 ?? ???????? ?? ????? ?????????????? ??? ??? ?????????? ??????? ??? ????????? ??? ?????????? ??????? ??????????? ??? ??? ??????? ?????????? ??? ?????????? ???????????? 62 ??????? 5: ?????????? ????? ????? ??? ????????? ??? ??? ????? ??? ??? ????????? ??? ?????????? ??????? ??? ??? ????????? ?????? (1/1/2008-31/12/2009) ??????? ??? ??????? ?????? ??????? EFG Eurobank Alpha Bank ???????? ??????? ???????? ??????? ???????? ??????? ???????? ??????? ???? ???? 53,50 -0,07% 22,29 -0,08% 11,10 -0,15% 11,85 -0,14% ??????? ???? 75,84 14,91% 42,08 17,30% 23,44 13,48% 22,84 12,46% ???????? ???? 34,64 -14,32% 8,27 -16,12% 3,53 -10,53% 3,37 -12,11% ????? 41,20 29,23% 33,81 33,42% 19,91 24,01% 19,47 24,57% ?????? ???????? 13,52 2,35% 8,11 4,22% 5,06 3,69% 5,47 3,67% ??????? ???????? ???????? ??????? ???????? ??????? ??????????? ??????????? ???????? ??????? ???????? ??????? ???????? ??????? ???????? ??????? ???? ???? 12,32 -0,17% 10,36 -0,28% 2,01 -0,08% 6,96 -0,15% ??????? ???? 26,35 16,98% 21,29 19,96% 4,00 18,59% 13,00 13,93% ???????? ???? 3,23 -8,91% 4,23 -13,08% 0,98 -14,83% 3,50 -15,41% ????? 23,12 25,89% 17,06 33,04% 3,02 33,42% 9,50 29,34% ?????? ???????? 5,90 3,68% 6,30 2,77% 0,71 3,44% 2,84 3,51% Marfin ??????? ?????? ??????? ?????? ??????? ???????? ??????? ???????? ??????? ???????? ??????? ???? ???? 3,38 -0,14% 5,75 -0,11% 1,55 -0,20% ??????? ???? 5,26 17,39% 12,64 18,53% 3,48 27,27% ???????? ???? 1,20 -17,34% 1,60 -12,05% 0,57 -14,71% ????? 4,06 34,73% 11,04 30,59% 2,91 41,98% ?????? ???????? 1,40 3,68% 2,66 3,92% 0,82 4,41% ??????? ??????? Aspis Bank Proton ??????? ???????? ??????? ???????? ??????? ???????? ??????? ???? ???? 2,14 -0,07% 1,50 -0,17% 3,66 -0,21% ??????? ???? 3,27 16,81% 3,14 29,87% 9,88 29,75% ???????? ???? 1,17 -17,61% 0,62 -16,13% 0,46 -29,80% ????? 2,10 34,41% 2,52 46,00% 9,42 59,55% ?????? ???????? 0,47 3,39% 0,69 4,11% 3,08 4,70% ??? ??? ?????? 5, ????????????? ? ?????? ??????? ?????? ??? ?????? ???? ??? ????????? ??????. ? ??????????? ????? ????????? ???? ????? ???? ??? ??? ???????? ????????????: ? ? ???? ???????? ??????? ??? ???? ??? ?????????? ??????? ????? ????????? ??? ???????. ? ????? ??? ????????? ??? ????????????? ??? ????? ????????? ????????? ??? ??? ???????, ? ?????? ????????? ??? ??? ?? ?????. ? ??????? ???? ???????? ??????? ??? ?? ?????? ????? ????? ??? ???????? ??? ???????, ? ????? ????????? ?? ?7%, ??? ? ???????? ???? ???????? ??????? ??? ?? ?????? ????? ?????? ??? ????????? ????????, ? ????? ????????? ?? ?28%. 63 ? ?? ??????? ?????????? ??? ????????? ??? ??????? ????? ????????? ?????????, ??????? ??? ??????????? ??? ?????? ??? ???????????? ??? ????????? ???? ????? ?? ???????????? ??????? ???????. ? ?? ????? ??? ????? ??? ??????? ????? ????????? ?????. ?? ??????? ????? ????? ?????? ??? ???????? ??? ???????, ?? ????? ????????? ?? 47,10 ????, ??? ?? ???????? ????? ????? ?????? ??? Attica Bank, ?? ????? ????????? ?? 2,10 ????. ????????????????, ????????, ??? ?? ?????????? ??????? ?????????? ?????? ???? ????????? ???????????????? ?????, ?????????? ??? ????? ???? ?? ?????? ???????. ?? ???? ?????????? ?? ???????? ??? ??? ??????? ???????? ?? ?? ????????????? ?????????? ??? ?????????? ????. 5.3 ????????????? ?????????? ??? ??????? ??? ????? ??? ??????? ???? ?? ???????? ??? ?????????? ????????????????? ?????? ???????? ???????????? ?? ??????????? ??? ??? ????? ??? ??????? ??? ?????????? ????????? ??? ????????????????? ??? ????????????? ??????. ????????? 18: ?????? ??? ????? ??? ??????? ??? ???????? ??? ??????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ? ? ? ? ? ? ? ? ? ? ? ? (? ? ) 0 10 20 30 40 50 60 70 80 2/ 1/ 20 0 8 2/ 3/ 20 0 8 2/ 5/ 20 0 8 2/ 7/ 20 0 8 2/ 9/ 20 0 8 2/ 11 / 20 08 2/ 1/ 20 0 9 2/ 3/ 20 0 9 2/ 5/ 20 0 9 2/ 7/ 20 0 9 2/ 9/ 20 0 9 2/ 11 / 20 09 64 ????????? 19: ?????? ??? ????? ??? ??????? ??? ??????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ?? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 5 10 15 20 25 30 35 40 45 2/ 1/ 20 0 8 2/ 3/ 20 0 8 2/ 5/ 20 0 8 2/ 7/ 20 0 8 2/ 9/ 20 0 8 2/ 11 / 20 08 2/ 1/ 20 0 9 2/ 3/ 20 0 9 2/ 5/ 20 0 9 2/ 7/ 20 0 9 2/ 9/ 20 0 9 2/ 11 / 20 09 ????????? 20: ?????? ??? ????? ??? ??????? ??? EFG Eurobank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) 0 5 10 15 20 25 2/1/2008 2/2/2008 2/3/2008 2/4/2008 2/5/2008 2/6/2008 2/7/2008 2/8/2008 2/9/2008 2/10/2008 2/11/2008 2/12/2008 2/1/2009 2/2/2009 2/3/2009 2/4/2009 2/5/2009 2/6/2009 2/7/2009 2/8/2009 2/9/2009 2/10/2009 2/11/2009 2/12/2009 EU R OB ANK EF G ( K O) 65 ????????? 21: ?????? ??? ????? ??? ??????? ??? Alpha Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) A L P H A B A N K (K O ) 0 5 10 15 20 25 2 /1 /2 0 0 8 2 /3 /2 0 0 8 2 /5 /2 0 0 8 2 /7 /2 0 0 8 2 /9 /2 0 0 8 2 /1 1 /2 0 0 8 2 /1 /2 0 0 9 2 /3 /2 0 0 9 2 /5 /2 0 0 9 2 /7 /2 0 0 9 2 /9 /2 0 0 9 2 /1 1 /2 0 0 9 ????????? 22: ?????? ??? ????? ??? ??????? ??? ???????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 5 10 15 20 25 30 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 66 ????????? 23: ?????? ??? ????? ??? ??????? ??? ????????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 0 , 5 1 1 , 5 2 2 , 5 3 3 , 5 4 4 , 5 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 ????????? 24: ?????? ??? ????? ??? ??????? ??? ????????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ?? ? ? ? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 5 10 15 20 25 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 67 ????????? 25: ?????? ??? ????? ??? ??????? ??? ???????????? ???????????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ? ? ? ? ? ?? ? ? ? ? ?? ? ? ? ? ? ? ? ( ? ? ) 0 , 0 0 2 , 0 0 4 , 0 0 6 , 0 0 8 , 0 0 1 0 , 0 0 1 2 , 0 0 1 4 , 0 0 2 / 1 / 2 0 0 8 2 / 2 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 4 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 6 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 8 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 0 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 2 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 2 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 4 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 6 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 8 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 0 / 2 0 0 9 2 / 1 1 / 2 0 0 9 2 / 1 2 / 2 0 0 9 ????????? 26: ?????? ??? ????? ??? ??????? ??? Marfin ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) MA R F I N ? ? ? ? ? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 1 2 3 4 5 6 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 68 ????????? 27: ?????? ??? ????? ??? ??????? ??? ???????? ??? ?????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ? ? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 2 4 6 8 10 12 14 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 ????????? 28: ?????? ??? ????? ??? ??????? ??? ??????? ???????? ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) ? ? ? ? ? ? ? ? ? ? ? ? ? ( ? ? ) 0 0 , 5 1 1 , 5 2 2 , 5 3 3 , 5 4 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 69 ????????? 29: ?????? ??? ????? ??? ??????? ??? Attica Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) A T T I C A B A N K ( ? ? ) 0 0 , 5 1 1 , 5 2 2 , 5 3 3 , 5 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 ????????? 30: ?????? ??? ????? ??? ??????? ??? Aspis Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) A S P I S B A N K ( ? ? ) 0 0 , 5 1 1 , 5 2 2 , 5 3 3 , 5 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 70 ????????? 31: ?????? ??? ????? ??? ??????? ??? Proton Bank ?? ??????? ???????? ??? ?????????? ????????????????? ?????? (1/1/2008-31/12/2009) P R O T O N B A N K ( ?? ) 0 2 4 6 8 10 12 2 / 1 / 2 0 0 8 2 / 3 / 2 0 0 8 2 / 5 / 2 0 0 8 2 / 7 / 2 0 0 8 2 / 9 / 2 0 0 8 2 / 1 1 / 2 0 0 8 2 / 1 / 2 0 0 9 2 / 3 / 2 0 0 9 2 / 5 / 2 0 0 9 2 / 7 / 2 0 0 9 2 / 9 / 2 0 0 9 2 / 1 1 / 2 0 0 9 ?????? ????? ???? ??? ???????? ???????????? ????? ?? ??????? ???????? ?????? ??? ?????????? ?? ????? ??? ??????? ??? ??? ?? ???? ??????? ??? 2008, ????? ?????? ??? ? ??????? ???????? ??? ??????????? ????? ??? 2009. 5.4 ???????????? ??????? ?? ??? ?????? ??? ??????? ???? ??? ????? ??? ?????????? ????? ???? ??? ????????? ??????? ??? ??? ?? ???????? ????? ??? ? ?????????? ?????? ??????????? ????? ??? ??? ???????? ???????????????? ?????. ??? ??? ???? ??? 2008 ???????????? ????????? ??? ????? ??? ??????? ??? ????????, ????????? ??? ??????????? ??? ??? ??? ????? ??????? ??? 2009. ??? ??? ???? ???? ?? ??????? ??? ?? ????????? ??????? ???????? ???? ??? ???? ??????????? ?????????? ??????? ??? ????????? ??????????. ?? ??????? ??? ???? ????? ???? ??? ????????? 5???? ?? ?????????? ??????????? ?? ??????? ???? ?????? ???????? ????, ?? ?????? ???????? ?????? ??????? ??? ????????? ????????, ??? ??? ??????? ?????, ??? ?? ?????????? ??? ???????? ??? ????? ???????????? ?? ???????? ?????????, ??? ? ???????? ??? ????????? ???? ????? ????????????.? (?????????????, 2008.1) ???????? ??? ????????? ??????? ??? ?????? ??? ?????? ??? ?????? ??? ???????? ???? ????? ?? ????????? ?????????????? ????, ? ????? ????? ????????? ??? ??? ??????????????? ???? ????. 71 ? ?????????? ?????? ???????????? ? ???????? ?????? ??? ????????? ??????? (?????????????, 2008.2). ? ???????? ????? ??????????? ???? ???????? ?????? ???? ??? ???????????? ?? ???????? ????? ??? ??????? ??? ?? ??????? ???? ???????? ???? ??? ??????? ????: ??????? 6: ?????????? ??????? ??? ?? ??????? ???? ???????? ???? ???? ?? ?????? 2008-2009 ??????? ???????? ??????? ??? ??????? 118,94% ?????? ??????? 408,83% EFG Eurobank 564,02% Alpha Bank 577,74% ??????? ???????? 715,79% ???????? ??????? 403,31% ???????? ??????? 308,16% ??????????? ??????????? 271,43% Marfin ??????? 338,33% ??????? ?????? 690,00% ?????? ??????? 510,53% Attica Bank 179,49% Aspis Bank 406,45% Proton Bank 2047,83% ??????????? ??? ?? ???????? ???????? ????? ????????? ??? ?? ???????? ??? ??????? ??? ?????????. ?? ??? ??? ??????? ???????????, ????, ?? ??????? ??? ?????? ???????????? ?? ???????? ?????? ??????? ???????? ??????? ?????????? ??? ??????? ?? ??????? ???????? ??? ????? ??? ? ?????? ?? ????????? ??? ??????????? ???????? ???, ??????, ????, ?????????? ??????? ??????????? ???????????? ????????? ??? ??????. 72 6 ???????????? & ?????????? ? ?????????? ?????? ???????? ???? ??? ???? ???????????? ??????? ??? ?????????????? ??????, ????? ???????? ???????? (??????? ??? ???????, ?????? ???????, ??????? ???????? ??? Alpha Bank) ??????????? ??? ?????????? ??? ?????? ??? ?????? ???????????????. ?? ??????? ???? ??? ???? ??????? ?? ?????? ????????? ??? ??????? ?????? ??? ?????????????? ??? ??? ?????????? ???????. ? ??????????????? ???? ??? ?????????? ?????????? ?????? ??? ????????????? ?????? ????????? ??? ? 36,2 ???. ??? 7.9.2009 ??? ?????????? ?? 45,8% ??? ????????? ???????????????? ????? ??? ?????????????? ??????. ?????? ????? ????? ??? ????? ?????? ?? ?????????????? ??????, ??? ??? ???? ????? ??? ?????? ????? ??????? ????????? ??? ??????? ??? ????????? ???????? ?? ???????? ??????????? ????????????. ?????, ?????? ????? ??? ???????????????? ????? ??? ???????? ?????? ?? ?????? ????????? ?????????. ??????? 7: ??????? ??? ???????? ???? ?????????????? ??? ?????????????? ?????? (???. ????) 28.12.2007 31.12.2008 30.6.2009 7.9.2009 ?????????????? ???????? 60,2 20,8 32,2 36,2 ?????????????? ?????????????? ?????? 163,7 56,8 75,3 79,0 % ???????????????? ???????? 36,8% 36,6% 42,8% 45,8% ????: Alpha Finance ?????????? ?? ?????????? ???? ?????? ??????????? ??? ???????????? ???????? ?????? ???? ?????? ??????? ? ??????????? ??? ??????? ????. ? ????? ???? (1986 - 1990) ?????????????? ??? ?????? ??????????? ?? ???? ????? ?????????? ???? ??? ??? ???????? ????. ? ??????? ???? (1990 - 1996) ?????????????? ??? ???????? ?????? ??????????? ?? ?????????? ?????????? ???? ??? ??? ???????? ????. ? ????? ???? (1996 - 2003) ?????????????? ??? ??? ????? ??? ??? ????? ??? ????????? ? ?????? ?? ????? ??? ????? ??? ?????????????? ?????? ??? 2000. ? ??????? ???? (2003 - 2009) ?????????????? ??? ??? ???????? ???? ??? ????? ??? ??? ?????? ??????? ?????? ???????? ??? ???????? ?????????????????? ??????. ?????????? ????????? ??? ??????? ???? ??????????? ??? ?????? ??? ?????? ??? ?????? ??? ??????? ??? ????????? ?????????? ??????????. ?? ???????? ??? ??????????? ??? ??????? ??? ??????????? ???????? ????? ?????????? ??? ??????? 73 ?????. ?????????????? ???????????? ????????? ???? ? ???????????? ???? ??? ????? ????????? ????????? ??? ?? ?????? 2007-2008, ??? ??? ?? ??????? ??? ? ?????? ??? Proton Bank ??? ?? ??????? ???? ???????? ???? ??? ???????? ???????? ??? ?????? ??? 2.000%. ???? ?????? ?????? ??? ? ???????? ??? ? ??????? ??? ?????????? ??????? ?????????? ??? ?????? ????????? ??? ????????? ???????????????? ?????? ???????? ?? ??????????? ?? ??? ???????????. ?? ????? ????????? ????? ???? ??? ??????????? ?? ????????? 32 ??? ????? ?? ?????????? ??????? ??? ??????? ?????? ??? ?????????????? ?????? ??? 1/1/1986 ??? ??? ??? 31/12/2009. ?? ??????? ????????? ????? ???? ??? ??????????? ?? ????????? 33 ??? ????? ??? ?????? ??? ????? ?????? ??? ?? ??????? ???????? ??? ????????????????? ??????, ?????? ??? ?? ??????? ???????? ??? 1/1/2008 ??? ??? ??? 31/12/2009. ?? ?????????? ?????? ????? ??? ??? ???????????? ??? ??? ???????????? ??? ?????????? ??????? ??? ???????????? ?? ??????????? ???????? ????? ????????. ?????????????? ????? ??? ??? ????????? 32 ???????? ??? ???? ?? ????????????? ??? ???????? ?????? ??? ???????????? ???? ?????????? ???????. ????????? 32: ?????????? ??????? ??? ??????? ?????? ??? ?.?. ??? ?? ??????? ???????? 1/1/1986-31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) 74 ????????? 33: ?????????? ?????? ??? ??????? ?????? ??? ?.?. ??? ?? ??????? ???????? 1/1/2008 ? 31/12/2009 ????: ??????? ?????????? ??? ??????????? ?????????? Capital (www.capital.gr) ?? ?????????? ??? ???????? ????????????, ????????????? ??? ?? ?????????? ??????? ????????? ??? ????? ???? ?????????? ??? ???????????? ???????? ??? ?????? ??? ?????????????? ?????? ??? ???? ??????????? ?????? ??????? ?? ?????????? ??? ? ???????? ??? ?????????? ??????? ???????? ?? ????? ????? ??? ???????????? ???????? ??? ??????. ?? ??????? ??????? ??? ???????, ????, ????? ?? ?????? ???? ??? ?????????? ???????, ??? ??? ??? ???????????????? ?????? ??????? ??? ?????????? ????????????????? ??????. ???? ????? ???? ?? ???????? ??? ?????????? ?????? (?) ?? ????????????? ?? ?????? (?? ????????????? ??? ???????? ??? ?? ?????? ?????????? ?? ??????? ??? ??? 2%) ??? ??? ???????? ??????? ???????, ??? ???? ????? ? ?????? ??? Alpha Bank ????????? ???? 5,54% (???????? ?? ????? ??? ???????????? ??????) ??? ??? ? ?????? ??????? ????????? ???? 2,84% ?????????? ?????? ???? ??? ?? 30 ????. ??? ?????????? ???? ???? ?? ??????? ??? Eurobank (-0,27%) ??? ??? ???????? (-0,55%).? (?????????????, 2008). ????? ??????????????, ????????, ?? ??????? ??? ????? ??? ?????? ? ????? ??? ???? ???? ????? ??? ????????? ??? ??? ?????? ????? ???????????? ?????????. ??? ?? ?????????? ???? ?? ?????, ?????? ??? ???????? ??? ?? ?????? ?? ???????????????? ???????????? ???????. ?? ????? ??? ???????????? ??????? ?????? ?? ????????. ?? 75 ?????? ????? ??? ???????? ????????? ??? ??????? ??? ???????? ??? ?????? ??? ?? ?????????? ??? ????????. ?? ??????????, ? ??????? ?????? ??????????? ??? ?????? ??????? ??? ?????????? ?????? ???? ???????? ??????????????? ????? ?????? ?? ???????? ??? ?????????? 25?????. ?? ?????? ?????????? ?????? ?? ???????? ?? ????????? ? ?????????? ??? ????????. ?????? ???? ???? ? ???????????? ???????? ??????????? ??? ??? ??????? ??? ???????? ? ???? ???? ? ???????? ??? ???????? ??????????? ?????? ??? ?? ??????????? ???????. 76 ???????????? Alpha Bank, 2001, ???????????? ???????? ??? ??? ?????? ????????? ?????????. Gortsos C., 1998, The Greek Banking System, ???????? ???. ?. ?????????. Jaffe D., 1989, Money, Banking and Credit, North Publishers Inc. Kaufman G, 1995. The US Financial System: Money, Markets and Institutions, Prentice Hall ???????? ?., ?????????? ?., ????????? ?., ???????? ?., ??? ???????????? ?., 1995, ???????????? ?????? ??? ??????????????? ??? ???????? ????????? ???????, ????, ???????? ????????, ????? ???????? ?., ??? ???????? ?., 1990, ?? ???????? ???????????????? ??????? ???? ??? ??? ??????????, ??? ?????????? ??? ??? ????? ?????????: ????????????? ???? ??? ????????? ???????????. ?????????? ?.. 2009, ? ????? ??? ???????? ??????? ?????????? ????????? ????????? ?????????, ??????, 8/1/2010. ?????? ??? ?? ???????????????? ???????????, ??????? 2009, ??????? ??? ??????? ?????? ??? ???????? ??? ?? ???? 2008, ???????? 2009, ??????? ??? ??????? ?????????? ?., ??? ??????? ?., 1995, ?????????????? ?????????? ??? ??????, ???????? ???. ??????, ?????. ?????????? ?., 1995, ?????, ?????, ????????. ????? ?????? ??., 2000, ????? ??? ????????, ???????????? ??????????, ??????????? 77 ????????? ?., 2001, ????, ???????? ????????? ??? ????????? ???????, ????? ????????? ????????, 1? ???????. ????????????? ?., 2008 (1), ? ????? ?????? ??? ?????????? ???????, ?????? ???????????, ??????? 2008 ????????????? ?., 2008 (2), ? ????? ??????? ??? ??????? ??? ????????, ??????????, 8/1/2010. ???????????? ?., 1993, ???????? ????? ??????????????? ??????????? ??? ??????, ???????????, ??????????? ??????????? ?, ?????????? ?., 2001, ? ???????? ??? ????????? ?????????????????? ??????????, ???????? ??????? ??????? ??? ???????, ?????? ??? ???????? ??? ?? ???? 2008, ???????? 2009 ??????? ??? ???????, ??????????? ????????, ????????? ??????, ????????? 2009 ??????? ??? ???????, ?????????? ?????? ??????????? ?????????, ????? 117,119,124 ??????? ?????????? ??? ???????? ??? ???????: www.bankofgreece.gr ??????? ?????????? ??? ??????? ???????? ??? ???????: www.nbg.gr ??????? ?????????? ??? ??????? EFG Eurobank Ergasias ?.?.: www.eurobank.gr ??????? ?????????? ??? Alpha Bank: www.alphabank.gr ??????? ?????????? ??? ???????? ???????? ?.?.: www.piraeusbank.gr ??????? ?????????? ??? ????????? ???????? ??? ???????: www.emporiki.gr 78 ??????? ?????????? ??? ????????? ???????? ??? ???????: www.atebank.gr ??????? ?????????? ??? ???????????? ???????????? ?.?.: www.ttbank.gr ??????? ?????????? ??? Marfin ???????? ???????? A.E.: www.marfinegnatiabank.gr ??????? ?????????? ??? ??????? ?????? ??????? ???????? ???????: www.cyprusbank.gr ??????? ?????????? ??? ??????? ???????? ??? ???????: www.genikibank.gr ??????? ?????????? ??? Attica Bank ??????? ????????? ????????: www.atticabank.gr ??????? ?????????? ??? Aspis Bank ??????? ????????? ????????: www.aspisbank.gr ??????? ?????????? ??? Proton ??????? ?.?.: www.protonbank.gr ??????? ?????????? ??? ?????????? ??????????: www.kathimerini.gr ??????? ?????????? ??? ??????????? ?????????? Capital: www.capital.gr