{"id":12488,"date":"2021-02-02T14:22:39","date_gmt":"2021-02-02T12:22:39","guid":{"rendered":"https:\/\/water-waste.gr\/site\/?p=12488"},"modified":"2021-02-02T14:22:39","modified_gmt":"2021-02-02T12:22:39","slug":"%cf%84%cf%81%ce%ac%cf%80%ce%b5%ce%b6%ce%b5%cf%82-%cf%84%ce%b1-%ce%b4%cf%8d%cf%83%ce%ba%ce%bf%ce%bb%ce%b1-%cf%83%ce%b7%ce%bc%ce%b5%ce%af%ce%b1-%ce%ba%ce%b1%ce%b9-%ce%bf%ce%b9-%ce%b5%ce%ba%cf%84%ce%b9","status":"publish","type":"post","link":"https:\/\/water-waste.gr\/site\/%ce%b5%ce%b9%ce%b4%ce%ae%cf%83%ce%b5%ce%b9%cf%82\/%cf%84%cf%81%ce%ac%cf%80%ce%b5%ce%b6%ce%b5%cf%82-%cf%84%ce%b1-%ce%b4%cf%8d%cf%83%ce%ba%ce%bf%ce%bb%ce%b1-%cf%83%ce%b7%ce%bc%ce%b5%ce%af%ce%b1-%ce%ba%ce%b1%ce%b9-%ce%bf%ce%b9-%ce%b5%ce%ba%cf%84%ce%b9\/","title":{"rendered":"\u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2: \u03a4\u03b1 \u03b4\u03cd\u03c3\u03ba\u03bf\u03bb\u03b1 \u03c3\u03b7\u03bc\u03b5\u03af\u03b1 \u03ba\u03b1\u03b9 \u03bf\u03b9 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03bf stress test"},"content":{"rendered":"<p>\u039f \u03c7\u03b5\u03b9\u03c1\u03b9\u03c3\u03bc\u03cc\u03c2,\u00a0\u03c3\u03b5 \u03c0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u03b2\u03ac\u03c3\u03b7, \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b5\u03b9\u03c3\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u03b1\u03bd\u03b1\u03c3\u03c4\u03bf\u03bb\u03ae \u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u03c2 \u03b4\u03cc\u03c3\u03b5\u03c9\u03bd \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03b5\u03af \u03c4\u03bf\u03bd \u03b1\u03c3\u03c4\u03ac\u03b8\u03bc\u03b7\u03c4\u03bf \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03b5\u03bd \u03b5\u03be\u03b5\u03bb\u03af\u03be\u03b5\u03b9 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 \u03c0\u03c1\u03bf\u03c3\u03bf\u03bc\u03bf\u03af\u03c9\u03c3\u03b7\u03c2 \u03b1\u03ba\u03c1\u03b1\u03af\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03c3\u03c4\u03ac\u03c3\u03b5\u03c9\u03bd (stress test), \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03b5\u03b3\u03c7\u03ce\u03c1\u03b9\u03b5\u03c2 \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03bd\u03b1 \u03be\u03b5\u03ba\u03b9\u03bd\u03bf\u03cd\u03bd \u03c0\u03ac\u03bd\u03c4\u03c9\u03c2 \u03b1\u03c0\u03cc\u00a0<strong>\u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03b1\u03c3\u03c6\u03b1\u03bb\u03ae \u03b1\u03c6\u03b5\u03c4\u03b7\u03c1\u03af\u03b1,<\/strong>\u00a0\u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ad\u03c2.<\/p>\n<p>\u03a4\u03bf \u03c0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03cc stress test \u03b4\u03c1\u03bf\u03bc\u03bf\u03bb\u03bf\u03b3\u03b5\u03af\u03c4\u03b1\u03b9 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bd\u03c4\u03bf\u03bd\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u0391\u03c1\u03c7\u03ae \u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd (European Banking Authority &#8211; EBA), \u03c3\u03b5 \u03c3\u03c4\u03b5\u03bd\u03ae \u03c3\u03c5\u03bd\u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1 \u03bc\u03b5 \u03c4\u03bf \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03cc \u03a3\u03c5\u03bc\u03b2\u03bf\u03cd\u03bb\u03b9\u03bf \u03a3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03bf\u03cd \u039a\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5 (\u0395\u03a3\u03a3\u039a), \u03c4\u03b9\u03c2 \u03b1\u03c1\u03bc\u03cc\u03b4\u03b9\u03b5\u03c2 \u03b1\u03c1\u03c7\u03ad\u03c2 (\u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b1\u03bc\u03b2\u03b1\u03bd\u03bf\u03bc\u03ad\u03bd\u03bf\u03c5 \u03c4\u03bf\u03c5 \u0395\u03bd\u03b9\u03b1\u03af\u03bf\u03c5 \u039c\u03b7\u03c7\u03b1\u03bd\u03b9\u03c3\u03bc\u03bf\u03cd \u0395\u03c0\u03bf\u03c0\u03c4\u03b5\u03af\u03b1\u03c2 &#8211; SSM) \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u0395\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u039a\u03b5\u03bd\u03c4\u03c1\u03b9\u03ba\u03ae \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 (\u0395\u039a\u03a4).<\/p>\n<p>\u03a3\u03c5\u03bd\u03b1\u03c0\u03b1\u03c1\u03c4\u03af\u03b6\u03b5\u03c4\u03b1\u03b9, \u03b4\u03b5, \u03b1\u03c0\u03cc\u00a0<strong>\u03b4\u03cd\u03bf \u03b1\u03c3\u03ba\u03ae\u03c3\u03b5\u03b9\u03c2<\/strong>. \u039c\u03af\u03b1 \u03c0\u03bf\u03c5 \u03c4\u03c1\u03ad\u03c7\u03b5\u03b9 \u03c5\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u0392\u0391 \u03ba\u03b1\u03b9 \u03b1\u03c6\u03bf\u03c1\u03ac \u03c4\u03b9\u03c2 50 \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03af\u03b1 \u03c5\u03c0\u03cc \u03c4\u03b7\u03bd \u0395\u039a\u03a4 (ECB SREP stress test), \u03c0\u03bf\u03c5 \u03b1\u03c6\u03bf\u03c1\u03ac \u03c3\u03c4\u03b9\u03c2 \u03c5\u03c0\u03cc\u03bb\u03bf\u03b9\u03c0\u03b5\u03c2, \u03ba\u03b1\u03c4\u03ac \u03c7\u03ce\u03c1\u03b1, \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2. \u03a4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03ac \u03c4\u03bf\u03c5\u03c2 \u03b8\u03b1 \u03bb\u03b7\u03c6\u03b8\u03bf\u03cd\u03bd \u03c5\u03c0\u03cc\u03c8\u03b7 \u03c3\u03c4\u03b7 \u03c3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ae \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7 \u03c3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c4\u03b7\u03c2 \u0394\u03b9\u03b1\u03b4\u03b9\u03ba\u03b1\u03c3\u03af\u03b1\u03c2 \u0395\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03bf\u03cd \u0395\u03bb\u03ad\u03b3\u03c7\u03bf\u03c5 \u03ba\u03b1\u03b9 \u0391\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2, \u03c4\u03bf \u03c0\u03c1\u03bf\u03c3\u03b5\u03c7\u03ad\u03c2 \u03c6\u03b8\u03b9\u03bd\u03cc\u03c0\u03c9\u03c1\u03bf.<\/p>\n<p>\u03a4\u03b7\u03bd \u03c0\u03b5\u03c1\u03b1\u03c3\u03bc\u03ad\u03bd\u03b7 \u03a0\u03b1\u03c1\u03b1\u03c3\u03ba\u03b5\u03c5\u03ae,\u00a0<strong>\u03b7 EBA<\/strong>\u00a0\u03b4\u03b7\u03bc\u03bf\u03c3\u03af\u03b5\u03c5\u03c3\u03b5 \u03c4\u03b9\u03c2 \u03bc\u03b1\u03ba\u03c1\u03bf\u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c7\u03ad\u03c2 \u03c4\u03b7\u03c2 \u03c6\u03b5\u03c4\u03b9\u03bd\u03ae\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2, \u03bf\u03b9 \u03bf\u03c0\u03bf\u03af\u03b5\u03c2, \u03c9\u03c2 \u03b1\u03bd\u03b1\u03bc\u03b5\u03bd\u03cc\u03c4\u03b1\u03bd, \u03ae\u03c4\u03b1\u03bd \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ae \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1, \u03c4\u03cc\u03c3\u03bf \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c5\u03c0\u03cc\u03bb\u03bf\u03b9\u03c0\u03b5\u03c2 \u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ad\u03c2 \u03cc\u03c3\u03bf \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03b7 \u03bc\u03b1\u03c4\u03b1\u03b9\u03c9\u03b8\u03b5\u03af\u03c3\u03b1 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03c4\u03bf\u03c5 2020.<\/p>\n<p>\u03a4\u03bf \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03b9 \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03b5\u03b3\u03c7\u03ce\u03c1\u03b9\u03b1 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1\u00a0<strong>\u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 4,2% \u03c4\u03bf\u03c5 \u0391\u0395\u03a0,<\/strong>\u00a0\u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1 2021-23, \u03bc\u03ad\u03c3\u03b7 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03c4\u03b9\u03bc\u03ce\u03bd \u03ba\u03b1\u03c4\u03bf\u03b9\u03ba\u03b9\u03ce\u03bd \u03ba\u03b1\u03c4\u03ac 2,6% \u03ba\u03b1\u03b9 \u03c4\u03c9\u03bd \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ce\u03bd \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03ac 0,3%.<\/p>\n<p>\u03a4\u03bf\u00a0<strong>\u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf<\/strong>\u00a0\u03bb\u03b1\u03bc\u03b2\u03ac\u03bd\u03b5\u03b9 \u03c9\u03c2 \u03b2\u03b1\u03c3\u03b9\u03ba\u03ae \u03c5\u03c0\u03cc\u03b8\u03b5\u03c3\u03b7 \u03cd\u03c6\u03b5\u03c3\u03b7 1,8% \u03c6\u03ad\u03c4\u03bf\u03c2 \u03ba\u03b1\u03b9 2,5% \u03c4\u03bf 2022. \u0397 \u03bf\u03b9\u03ba\u03bf\u03bd\u03bf\u03bc\u03af\u03b1 \u03b5\u03c0\u03b9\u03c3\u03c4\u03c1\u03ad\u03c6\u03b5\u03b9 \u03c3\u03b5 \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7 \u03c4\u03bf 2023, \u03bc\u03b5 \u03c4\u03bf \u0391\u0395\u03a0 \u03bd\u03b1 \u03b1\u03c5\u03be\u03ac\u03bd\u03b5\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac 0,7%. \u0397 \u03b1\u03bd\u03b5\u03c1\u03b3\u03af\u03b1 \u03b8\u03b1 \u03c6\u03b8\u03ac\u03c3\u03b5\u03b9 \u03c3\u03c4\u03bf 18,9% \u03c6\u03ad\u03c4\u03bf\u03c2 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03bf 22,1% \u03c4\u03bf 2022.<\/p>\n<p>\u03a0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c0\u03b5\u03c4\u03b1\u03b9, \u03b5\u03c0\u03af\u03c3\u03b7\u03c2,\u00a0<strong>\u03bc\u03ad\u03c3\u03b7 \u03c0\u03c4\u03ce\u03c3\u03b7 3,4% \u03ba\u03b1\u03b9 8,7% \u03c3\u03c4\u03b9\u03c2 \u03c4\u03b9\u03bc\u03ad\u03c2 \u03ba\u03b1\u03c4\u03bf\u03b9\u03ba\u03b9\u03ce\u03bd \u03ba\u03b1\u03b9 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ce\u03bd \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd\u00a0<\/strong>\u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1 2021-23, \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc\u03c2 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03bb\u03bb\u03b7\u03bd\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03bb\u03cc\u03b3\u03c9 \u03c4\u03bf\u03c5 \u03cd\u03c8\u03bf\u03c5\u03c2 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03bc\u03b5 \u03b5\u03be\u03b1\u03c3\u03c6\u03b1\u03bb\u03af\u03c3\u03b5\u03b9\u03c2 \u03b5\u03c0\u03af \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd \u03ba\u03b1\u03b9 \u03b4\u03b5\u03c5\u03c4\u03b5\u03c1\u03b5\u03c5\u03cc\u03bd\u03c4\u03c9\u03c2 \u03c4\u03b7\u03c2 \u03b2\u03b1\u03c1\u03cd\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c3\u03c4\u03bf \u03b5\u03bd\u03b5\u03c1\u03b3\u03b7\u03c4\u03b9\u03ba\u03cc \u03c4\u03c9\u03bd \u03b1\u03bd\u03b1\u03ba\u03c4\u03b7\u03b8\u03ad\u03bd\u03c4\u03c9\u03bd \u03b1\u03c0\u03cc \u03c0\u03bb\u03b5\u03b9\u03c3\u03c4\u03b7\u03c1\u03b9\u03b1\u03c3\u03bc\u03bf\u03cd\u03c2 \u03b1\u03ba\u03b9\u03bd\u03ae\u03c4\u03c9\u03bd.<\/p>\n<p>\u03a0\u03c1\u03cc\u03ba\u03b5\u03b9\u03c4\u03b1\u03b9 \u03b3\u03b9\u03b1 \u03ba\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b5\u03c2 \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c7\u03ad\u03c2 \u03c3\u03b5 \u03c3\u03cd\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 \u03bc\u03b5 \u03b1\u03c5\u03c4\u03ad\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03b5\u03c1\u03c3\u03b9\u03bd\u03ae\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2 (\u03c3\u03c9\u03c1\u03b5\u03c5\u03c4\u03b9\u03ba\u03ae \u03c5\u03c0\u03bf\u03c7\u03ce\u03c1\u03b7\u03c3\u03b7 \u0391\u0395\u03a0 6,1% \u03c3\u03c4\u03b7\u03bd \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1 2020-22), \u03c0\u03bf\u03c5 \u03c4\u03b5\u03bb\u03b9\u03ba\u03ce\u03c2 \u03b1\u03bd\u03b1\u03b2\u03bb\u03ae\u03b8\u03b7\u03ba\u03b5, \u03bb\u03cc\u03b3\u03c9 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1\u03c2. \u0391\u03c5\u03c4\u03cc \u03bf\u03c6\u03b5\u03af\u03bb\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03c0\u03c1\u03c9\u03c4\u03cc\u03b3\u03bd\u03c9\u03c1\u03b7 \u03cd\u03c6\u03b5\u03c3\u03b7, \u03c4\u03b7\u03bd \u03bf\u03c0\u03bf\u03af\u03b1 \u03b5\u03c0\u03ad\u03c6\u03b5\u03c1\u03b5 \u03b7 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b9\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b4\u03bf\u03ba\u03af\u03b5\u03c2 \u03cc\u03c4\u03b9 \u03b8\u03b1 \u03c5\u03c0\u03ac\u03c1\u03be\u03b5\u03b9 \u03b9\u03c3\u03c7\u03c5\u03c1\u03ae \u03b1\u03bd\u03ac\u03ba\u03b1\u03bc\u03c8\u03b7, \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b5\u03c0\u03ac\u03bd\u03bf\u03b4\u03bf \u03c3\u03b5 \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1, \u03bb\u03cc\u03b3\u03c9 \u03b5\u03bc\u03b2\u03bf\u03bb\u03b9\u03b1\u03c3\u03bc\u03ce\u03bd.<\/p>\n<h3 id=\"%ce%b3%ce%b9%ce%b1%cf%84%ce%af-%ce%b5%ce%ba%ce%ba%ce%b9%ce%bd%ce%bf%cf%8d%ce%bd-%ce%b1%cf%80%cf%8c-%ce%ba%ce%b1%ce%bb%ce%ae-%ce%b1%cf%86%ce%b5%cf%84%ce%b7%cf%81%ce%af%ce%b1-%ce%bf%ce%b9-%ce%b5%ce%b3\">\u0393\u03b9\u03b1\u03c4\u03af \u03b5\u03ba\u03ba\u03b9\u03bd\u03bf\u03cd\u03bd \u03b1\u03c0\u03cc \u03ba\u03b1\u03bb\u03ae \u03b1\u03c6\u03b5\u03c4\u03b7\u03c1\u03af\u03b1 \u03bf\u03b9 \u03b5\u03b3\u03c7\u03ce\u03c1\u03b9\u03b5\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2<\/h3>\n<p>\u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b9\u03c2 \u03c0\u03c1\u03ce\u03c4\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c3\u03b5\u03b3\u03b3\u03af\u03c3\u03b5\u03b9\u03c2 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03ce\u03bd, \u03b7 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03b4\u03b5\u03bd \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03b5\u03b9&#8230; \u03b2\u03cc\u03bb\u03c4\u03b1 \u03c3\u03c4\u03bf \u03c0\u03ac\u03c1\u03ba\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03b3\u03c7\u03ce\u03c1\u03b9\u03b5\u03c2 \u03c3\u03c5\u03c3\u03c4\u03b7\u03bc\u03b9\u03ba\u03ad\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2. \u0391\u03c0\u03cc \u03c4\u03b7\u03bd \u03ac\u03bb\u03bb\u03b7, \u03cc\u03bc\u03c9\u03c2, \u03b5\u03ba\u03ba\u03b9\u03bd\u03bf\u03cd\u03bd \u03c4\u03b7 \u03b4\u03bf\u03ba\u03b9\u03bc\u03b1\u03c3\u03af\u03b1 \u03b1\u03c0\u03cc \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03ba\u03b1\u03bb\u03ae \u03b8\u03ad\u03c3\u03b7, \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03bf stress test \u03c4\u03bf\u03c5 2018. \u039f\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c4\u03bf\u03c5\u03bd \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03b1\u00a0<strong>\u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1 \u03b1\u03bd\u03bf\u03af\u03b3\u03bc\u03b1\u03c4\u03b1<\/strong>\u00a0(Non Performing Exposures &#8211; NPEs), \u03bc\u03b5 \u03b5\u03bb\u03b1\u03c6\u03c1\u03ce\u03c2 \u03c7\u03b1\u03bc\u03b7\u03bb\u03cc\u03c4\u03b5\u03c1\u03bf \u03b4\u03b5\u03af\u03ba\u03c4\u03b7 \u03ba\u03ac\u03bb\u03c5\u03c8\u03b7\u03c2, \u03b5\u03bd\u03ce \u03bf\u03b9 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03bf\u03af \u03c4\u03bf\u03c5\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03b2\u03c1\u03af\u03c3\u03ba\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac \u03bc\u03ad\u03c3\u03bf \u03cc\u03c1\u03bf \u03c3\u03b5 \u03c0\u03b1\u03c1\u03cc\u03bc\u03bf\u03b9\u03b1 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03b1.<\/p>\n<p>\u0395\u03c0\u03b9\u03c0\u03c1\u03cc\u03c3\u03b8\u03b5\u03c4\u03b1 \u03b7 \u03b1\u03bd\u03b8\u03b5\u03ba\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03b5\u03c0\u03ad\u03b4\u03b5\u03b9\u03be\u03b1\u03bd \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03c3\u03b5 \u03b5\u03c0\u03af\u03c0\u03b5\u03b4\u03bf \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ce\u03bd \u03b5\u03c3\u03cc\u03b4\u03c9\u03bd, \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03c3\u03b9\u03bd\u03ae \u03c7\u03c1\u03bf\u03bd\u03b9\u03ac, \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03b5\u03af, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03bf\u03c5\u03c2 \u03af\u03b4\u03b9\u03bf\u03c5\u03c2, \u03c4\u03b9\u03c2 \u03b2\u03ac\u03c3\u03b5\u03b9\u03c2 \u03ce\u03c3\u03c4\u03b5 \u03bf\u03b9 \u03c0\u03c1\u03bf\u03b2\u03bf\u03bb\u03ad\u03c2 \u03b5\u03be\u03ad\u03bb\u03b9\u03be\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03c5\u03c0\u03cc \u03c4\u03bf \u03b4\u03c5\u03c3\u03bc\u03b5\u03bd\u03ad\u03c2 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03bf \u03bd\u03b1 \u03bc\u03b7\u03bd \u03b5\u03af\u03bd\u03b1\u03b9 \u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b5\u03c0\u03b9\u03b2\u03b1\u03c1\u03c5\u03bd\u03c4\u03b9\u03ba\u03ad\u03c2. \u03a5\u03c0\u03b5\u03bd\u03b8\u03c5\u03bc\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03c9\u03c2 \u03c4\u03bf 9\u03bc\u03b7\u03bd\u03bf \u03c4\u03bf\u03c5 2020, \u03bc\u03b5 \u03c4\u03bf \u0391\u0395\u03a0 \u03bd\u03b1 \u03c5\u03c0\u03bf\u03c7\u03c9\u03c1\u03b5\u03af \u03ba\u03b1\u03c4\u03ac 10%, \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03b5\u03bc\u03c6\u03ac\u03bd\u03b9\u03c3\u03b1\u03bd\u00a0<strong>\u03b1\u03cd\u03be\u03b7\u03c3\u03b7 \u03c4\u03c9\u03bd \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03ba\u03ce\u03bd \u03c0\u03c1\u03bf \u03c0\u03c1\u03bf\u03b2\u03bb\u03ad\u03c8\u03b5\u03c9\u03bd \u03ba\u03b5\u03c1\u03b4\u03ce\u03bd \u03ba\u03b1\u03c4\u03ac 5%<\/strong>.<\/p>\n<p>\u039f\u03b9 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2, \u03cc\u03bc\u03c9\u03c2, Common Equity Tier I \u03ad\u03c7\u03bf\u03c5\u03bd \u03c5\u03c0\u03bf\u03c7\u03c9\u03c1\u03ae\u03c3\u03b5\u03b9 \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03bf\u03c5 2017, \u03b5\u03bd\u03ce \u03b7 \u03b5\u03be\u03b5\u03c4\u03b1\u03b6\u03cc\u03bc\u03b5\u03bd\u03b7 \u03c4\u03c1\u03b9\u03b5\u03c4\u03af\u03b1 \u03c3\u03c5\u03bc\u03c0\u03af\u03c0\u03c4\u03b5\u03b9 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7\u03bd \u03bf\u03c0\u03bf\u03af\u03b1 \u03b1\u03bd\u03b1\u03b3\u03bd\u03c9\u03c1\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b1 \u03b5\u03c0\u03bf\u03c0\u03c4\u03b9\u03ba\u03ac \u03ba\u03b5\u03c6\u03ac\u03bb\u03b1\u03b9\u03b1 \u03c4\u03bf \u03c3\u03cd\u03bd\u03bf\u03bb\u03bf \u03c4\u03bf\u03c5 \u03ba\u03cc\u03c3\u03c4\u03bf\u03c5\u03c2 \u03bc\u03b5\u03c4\u03ac\u03b2\u03b1\u03c3\u03b7\u03c2 \u03c3\u03c4\u03bf IFRS 9. \u03a0\u03c1\u03bf\u03c2 \u03c4\u03bf \u03c0\u03b1\u03c1\u03cc\u03bd \u03b4\u03b5\u03bd \u03ad\u03c7\u03b5\u03b9 \u03b4\u03b9\u03b5\u03c5\u03ba\u03c1\u03b9\u03bd\u03b9\u03c3\u03c4\u03b5\u03af \u03c4\u03bf \u03c0\u03ce\u03c2 \u03b8\u03b1 \u03b1\u03bd\u03c4\u03b9\u03bc\u03b5\u03c4\u03c9\u03c0\u03b9\u03c3\u03c4\u03b5\u03af, \u03c3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c4\u03b7\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2, \u03b7 \u03ba\u03b5\u03c6\u03b1\u03bb\u03b1\u03b9\u03b1\u03ba\u03ae \u03b5\u03c0\u03b9\u03b2\u03ac\u03c1\u03c5\u03bd\u03c3\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd \u03b5\u03c6\u03b1\u03c1\u03bc\u03bf\u03b3\u03ae \u03c4\u03c9\u03bd \u03bc\u03b5\u03c4\u03b1\u03b2\u03b1\u03c4\u03b9\u03ba\u03ce\u03bd \u03b4\u03b9\u03b1\u03c4\u03ac\u03be\u03b5\u03c9\u03bd \u03c4\u03bf\u03c5 IFRS 9.<\/p>\n<h3 id=\"%ce%ac%ce%b3%ce%bd%cf%89%cf%83%cf%84%ce%bf%cf%82-x-%ce%bf-%cf%87%ce%b5%ce%b9%cf%81%ce%b9%cf%83%ce%bc%cf%8c%cf%82-%cf%84%cf%89%ce%bd-%ce%b4%ce%b1%ce%bd%ce%b5%ce%af%cf%89%ce%bd-%cf%83%ce%b5\">\u0386\u03b3\u03bd\u03c9\u03c3\u03c4\u03bf\u03c2 \u00abX\u00bb \u03bf \u03c7\u03b5\u03b9\u03c1\u03b9\u03c3\u03bc\u03cc\u03c2 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c3\u03b5 moratorium<\/h3>\n<p>\u039c\u03b5 \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03bf, \u03c0\u03ac\u03bd\u03c4\u03c9\u03c2, \u03cc\u03c4\u03b9 \u03bf \u03b2\u03b1\u03c3\u03b9\u03ba\u03cc\u03c2 \u03cc\u03b3\u03ba\u03bf\u03c2 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c3\u03b5 \u03b1\u03bd\u03b1\u03c3\u03c4\u03bf\u03bb\u03ae \u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u03c2 \u03b4\u03cc\u03c3\u03b5\u03c9\u03bd \u03ad\u03bb\u03b7\u03be\u03b5 \u03b5\u03af\u03c4\u03b5 \u03c3\u03c4\u03bf \u03c4\u03ad\u03bb\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03b5\u03c1\u03c3\u03b9\u03bd\u03ae\u03c2 \u03c7\u03c1\u03bf\u03bd\u03b9\u03ac\u03c2 \u03b5\u03af\u03c4\u03b5 \u03c4\u03bf\u03bd \u0399\u03b1\u03bd\u03bf\u03c5\u03ac\u03c1\u03b9\u03bf, \u03c4\u03bf \u03c0\u03ce\u03c2 \u03b8\u03b1 \u03bc\u03b5\u03c4\u03c1\u03ae\u03c3\u03b5\u03b9 \u03b7 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2\u00a0<strong>\u03c3\u03c4\u03b7\u03bd \u03c0\u03bf\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1 \u03c4\u03bf\u03c5 \u03b5\u03bd\u03b5\u03c1\u03b3\u03b7\u03c4\u03b9\u03ba\u03bf\u03cd \u03c4\u03c9\u03bd \u03c4\u03c1\u03b1\u03c0\u03b5\u03b6\u03ce\u03bd<\/strong>\u00a0\u03ba\u03b1\u03b9 \u03c3\u03c4\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03bc\u03b1\u03c4\u03b1 \u03b8\u03b1 \u03b1\u03c0\u03bf\u03c4\u03b5\u03bb\u03ad\u03c3\u03b5\u03b9 \u03c4\u03bf \u03bc\u03b5\u03af\u03b6\u03bf\u03bd \u03b8\u03ad\u03bc\u03b1.<\/p>\n<p>\u03a4\u03c1\u03b1\u03c0\u03b5\u03b6\u03b9\u03ba\u03ac \u03c3\u03c4\u03b5\u03bb\u03ad\u03c7\u03b7 \u03b8\u03b5\u03c9\u03c1\u03bf\u03cd\u03bd \u03c3\u03af\u03b3\u03bf\u03c5\u03c1\u03bf \u03cc\u03c4\u03b9 \u03b7 \u0395\u039a\u03a4 \u03b8\u03b1 \u03b1\u03bd\u03b1\u03bc\u03bf\u03c1\u03c6\u03ce\u03c3\u03b5\u03b9, \u03b3\u03b9\u03b1 \u03c4\u03b7\u03bd \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03bc\u03cc\u03bd\u03bf, \u03c4\u03bf\u03c5\u03c2 \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03bf\u03cd\u03c2 \u03c4\u03b7\u03c2 31\u03b7\u03c2 \u0394\u03b5\u03ba\u03b5\u03bc\u03b2\u03c1\u03af\u03bf\u03c5 2020, \u03b2\u03ac\u03c3\u03b5\u03b9 \u03c4\u03c9\u03bd \u03bf\u03c0\u03bf\u03af\u03c9\u03bd \u00ab\u03c3\u03c4\u03c1\u03b5\u03c3\u03ac\u03c1\u03b5\u03b9\u00bb \u03c4\u03b9\u03c2 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2, \u03c0\u03c1\u03bf\u03ba\u03b5\u03b9\u03bc\u03ad\u03bd\u03bf\u03c5 \u03bd\u03b1 \u03c3\u03c5\u03bd\u03c5\u03c0\u03bf\u03bb\u03bf\u03b3\u03af\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03b5\u03c0\u03af\u03c0\u03c4\u03c9\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03c0\u03c1\u03c9\u03c4\u03cc\u03b3\u03bd\u03c9\u03c1\u03b7\u03c2 \u03cd\u03c6\u03b5\u03c3\u03b7\u03c2, \u03c4\u03b7\u03bd \u03bf\u03c0\u03bf\u03af\u03b1 \u03b5\u03c0\u03ad\u03c6\u03b5\u03c1\u03b5 \u03b7 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1.<\/p>\n<p>\u039c\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ac \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03b1 \u03b1\u03c0\u03cc \u03c4\u03b9\u03c2 \u03b1\u03be\u03b9\u03bf\u03bb\u03bf\u03b3\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd \u03c0\u03bf\u03c5 \u03b5\u03b9\u03c3\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u03b1\u03bd\u03b1\u03c3\u03c4\u03bf\u03bb\u03ae \u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u03c2 \u03b4\u03cc\u03c3\u03b5\u03c9\u03bd (moratorium), \u03b1\u03bb\u03bb\u03ac \u03ba\u03b1\u03b9 \u03b5\u03c3\u03c9\u03c4\u03b5\u03c1\u03b9\u03ba\u03bf\u03cd\u03c2 \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03b1\u03bd\u03b1\u03c6\u03bf\u03c1\u03ac\u03c2, \u03bf \u03b5\u03c0\u03cc\u03c0\u03c4\u03b7\u03c2 \u03b8\u03b1 \u00ab\u03c4\u03c1\u03ad\u03be\u03b5\u03b9\u00bb \u03ad\u03bd\u03b1 \u03b4\u03b9\u03ba\u03cc \u03c4\u03bf\u03c5 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf, \u03b3\u03b9\u03b1 \u03bd\u03b1 \u03b4\u03b9\u03b1\u03c0\u03b9\u03c3\u03c4\u03ce\u03c3\u03b5\u03b9 \u03c0\u03cc\u03c3\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 \u03c3\u03b5 moratorium \u03b8\u03b1 \u03ad\u03c0\u03c1\u03b5\u03c0\u03b5 \u03bd\u03b1 \u03ad\u03c7\u03bf\u03c5\u03bd \u03ba\u03b1\u03c4\u03b1\u03c4\u03b1\u03c7\u03b8\u03b5\u03af \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1\u00a0<strong>\u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5<\/strong>\u00a0(Stage 2) \u03ae \u03c3\u03c4\u03b1\u00a0<strong>\u03bc\u03b7 \u03b5\u03be\u03c5\u03c0\u03b7\u03c1\u03b5\u03c4\u03bf\u03cd\u03bc\u03b5\u03bd\u03b1<\/strong>\u00a0(Stage 3).<\/p>\n<p>\u0391\u03c0\u03cc \u03c4\u03bf\u03bd \u03c0\u03b1\u03c1\u03b1\u03c0\u03ac\u03bd\u03c9 \u03bb\u03bf\u03b3\u03b1\u03c1\u03b9\u03b1\u03c3\u03bc\u03cc \u03b8\u03b1 \u03c0\u03c1\u03bf\u03ba\u03cd\u03c8\u03b5\u03b9 \u03c4\u03bf \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03bf \u03bc\u03ad\u03c1\u03bf\u03c2 \u03c4\u03b7\u03c2 \u03b1\u03bd\u03b1\u03bc\u03cc\u03c1\u03c6\u03c9\u03c3\u03b7\u03c2 \u03b9\u03c3\u03bf\u03bb\u03bf\u03b3\u03b9\u03c3\u03bc\u03ce\u03bd 2020 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03bc\u03cc\u03bd\u03bf \u03c4\u03b7\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2.<\/p>\n<p>\u03a5\u03c0\u03b5\u03bd\u03b8\u03c5\u03bc\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03cc\u03c4\u03b9 \u03c3\u03c4\u03b7\u03bd \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03ad\u03ba\u03b8\u03b5\u03c3\u03b7 \u03c7\u03c1\u03b7\u03bc\u03b1\u03c4\u03bf\u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c4\u03b1\u03b8\u03b5\u03c1\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2, \u03b7 \u03a4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b1 \u03c4\u03b7\u03c2 \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2 \u03c3\u03b7\u03bc\u03b5\u03af\u03c9\u03bd\u03b5 \u03cc\u03c4\u03b9 \u03bc\u03b5 \u03b2\u03ac\u03c3\u03b7 \u03c4\u03b1 \u03c3\u03c4\u03bf\u03b9\u03c7\u03b5\u03af\u03b1 \u039d\u03bf\u03b5\u03bc\u03b2\u03c1\u03af\u03bf\u03c5, \u03b1\u03c0\u03cc \u03c4\u03b1 \u03b4\u03ac\u03bd\u03b5\u03b9\u03b1 21 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce, \u03c0\u03bf\u03c5 \u03c4\u03b5\u03bb\u03bf\u03cd\u03c3\u03b1\u03bd \u03c3\u03b5 moratorium,\u00a0<strong>\u03c4\u03b1 7,14 \u03b4\u03b9\u03c3. \u03b5\u03c5\u03c1\u03ce \u03b5\u03af\u03c7\u03b1\u03bd \u03ba\u03b1\u03c4\u03b1\u03c4\u03b1\u03c7\u03b8\u03b5\u03af \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b1\u03cd\u03be\u03b7\u03c3\u03b7\u03c2 \u03c0\u03b9\u03c3\u03c4\u03c9\u03c4\u03b9\u03ba\u03bf\u03cd \u03ba\u03b9\u03bd\u03b4\u03cd\u03bd\u03bf\u03c5<\/strong>\u00a0(Stage 2).<\/p>\n<p>\u03a4\u03bf \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03bf \u03c0\u03b1\u03c1\u03b5\u03bb\u03b8\u03cc\u03bd \u03ad\u03c7\u03b5\u03b9 \u03b4\u03b5\u03af\u03be\u03b5\u03b9 \u03cc\u03c4\u03b9 \u03c5\u03c0\u03ac\u03c1\u03c7\u03bf\u03c5\u03bd \u03ba\u03c1\u03af\u03c3\u03b9\u03bc\u03b5\u03c2 \u03c0\u03b1\u03c1\u03ac\u03bc\u03b5\u03c4\u03c1\u03bf\u03b9, \u03c0\u03bf\u03c5 \u03bf\u03c1\u03b9\u03c3\u03c4\u03b9\u03ba\u03bf\u03c0\u03bf\u03b9\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ac \u03c4\u03b7 \u03b4\u03b9\u03ac\u03c1\u03ba\u03b5\u03b9\u03b1 \u03c4\u03b7\u03c2 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7\u03c2, \u03b2\u03ac\u03c3\u03b5\u03b9 \u03c4\u03c9\u03bd \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03bf\u03c4\u03ae\u03c4\u03c9\u03bd \u03c4\u03bf\u03c5 \u03b5\u03c0\u03cc\u03c0\u03c4\u03b7. \u03a4\u03b1\u03ba\u03c4\u03b9\u03ba\u03ae \u03c0\u03bf\u03c5 \u03b1\u03bd\u03b1\u03bc\u03ad\u03bd\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b7\u03b8\u03b5\u03af \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03c4\u03c1\u03ad\u03c7\u03bf\u03c5\u03c3\u03b1 \u03ac\u03c3\u03ba\u03b7\u03c3\u03b7, \u03bb\u03cc\u03b3\u03c9 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03c2 \u03c1\u03b5\u03c5\u03c3\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c0\u03bf\u03c5 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03b5\u03af \u03b7 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1.<\/p>\n<p>\u03a5\u03c0\u03cc \u03c4\u03bf \u03c0\u03b1\u03c1\u03b1\u03c0\u03ac\u03bd\u03c9 \u03c0\u03c1\u03af\u03c3\u03bc\u03b1, \u03b1\u03bd \u03b7 \u03ba\u03c5\u03b2\u03ad\u03c1\u03bd\u03b7\u03c3\u03b7 \u03ad\u03c7\u03b5\u03b9 \u03c8\u03b7\u03c6\u03af\u03c3\u03b5\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2 \u03bc\u03ae\u03bd\u03b5\u03c2 \u03c4\u03b7\u03bd \u03b5\u03c0\u03ad\u03ba\u03c4\u03b1\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03bf\u03c2 \u03ba\u03c1\u03b1\u03c4\u03b9\u03ba\u03ae\u03c2 \u03b5\u03b3\u03b3\u03c5\u03bf\u03b4\u03bf\u03c3\u03af\u03b1\u03c2 (\u0397\u03c1\u03b1\u03ba\u03bb\u03ae\u03c2 \u0399\u0399) \u03ba\u03b1\u03b9 \u03bf\u03b9 \u03c4\u03c1\u03ac\u03c0\u03b5\u03b6\u03b5\u03c2 \u03ad\u03c7\u03bf\u03c5\u03bd \u03b3\u03bd\u03c9\u03c3\u03c4\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9 \u03c4\u03b7\u03bd \u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2 \u03b3\u03b9\u03b1 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03b9\u03c4\u03bb\u03bf\u03c0\u03bf\u03b9\u03ae\u03c3\u03b5\u03b9\u03c2, \u03ce\u03c3\u03c4\u03b5 \u03bd\u03b1 \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03af\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf NPE ratio \u03c3\u03b5 \u03bc\u03bf\u03bd\u03bf\u03c8\u03ae\u03c6\u03b9\u03b1 \u03c0\u03bf\u03c3\u03bf\u03c3\u03c4\u03ac, \u03c4\u03bf \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03bf\u03c5 stress test \u03b4\u03cd\u03c3\u03ba\u03bf\u03bb\u03b1 \u03b8\u03b1 \u03ad\u03c1\u03b8\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03c4\u03c1\u03ad\u03c8\u03b5\u03b9, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c3\u03c4\u03b5\u03bb\u03ad\u03c7\u03b7 \u03b5\u03bb\u03b5\u03b3\u03ba\u03c4\u03b9\u03ba\u03ce\u03bd \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03b9\u03ce\u03bd, \u03c4\u03b9\u03c2 \u03c3\u03c5\u03bd\u03b8\u03ae\u03ba\u03b5\u03c2 \u03b5\u03c5\u03cc\u03b4\u03c9\u03c3\u03b7\u03c2 \u03c4\u03c9\u03bd \u03c3\u03c4\u03cc\u03c7\u03c9\u03bd \u03c4\u03bf\u03c5\u03c2.<\/p>\n<p>\u0391\u03c1\u03ba\u03b5\u03af, \u03c9\u03c2 \u03c4\u03cc\u03c4\u03b5, \u03bd\u03b1 \u03ad\u03c7\u03bf\u03c5\u03bc\u03b5 \u03b1\u03c6\u03ae\u03c3\u03b5\u03b9 \u03c0\u03af\u03c3\u03c9 \u03bc\u03b1\u03c2 \u03c4\u03b7\u03bd \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1\u2026<\/p>\n<p><strong>\u03a0\u03b7\u03b3\u03ae:euro2day,\u00a0<a href=\"https:\/\/www.euro2day.gr\/authors\/author\/1233503\/hrhstos-kitsios.html\" target=\"_blank\" rel=\"noopener noreferrer\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.euro2day.gr\/authors\/author\/1233503\/hrhstos-kitsios.html&amp;source=gmail&amp;ust=1612345543463000&amp;usg=AFQjCNHm5QdwEbFscDZrtq0Llrmu5HaBgw\">\u03a7\u03c1\u03ae\u03c3\u03c4\u03bf\u03c2 \u039a\u03af\u03c4\u03c3\u03b9\u03bf\u03c2<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"\u039f \u03c7\u03b5\u03b9\u03c1\u03b9\u03c3\u03bc\u03cc\u03c2,\u00a0\u03c3\u03b5 \u03c0\u03b1\u03bd\u03b5\u03c5\u03c1\u03c9\u03c0\u03b1\u03ca\u03ba\u03ae \u03b2\u03ac\u03c3\u03b7, \u03c4\u03c9\u03bd \u03b4\u03b1\u03bd\u03b5\u03af\u03c9\u03bd, \u03c4\u03b1 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b5\u03b9\u03c3\u03ae\u03bb\u03b8\u03b1\u03bd \u03c3\u03b5 \u03b1\u03bd\u03b1\u03c3\u03c4\u03bf\u03bb\u03ae \u03ba\u03b1\u03c4\u03b1\u03b2\u03bf\u03bb\u03ae\u03c2&hellip;\n","protected":false},"author":3,"featured_media":330,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[74,289],"class_list":{"0":"post-12488","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-2","8":"tag-business","9":"tag-289"},"_links":{"self":[{"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/posts\/12488","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/comments?post=12488"}],"version-history":[{"count":1,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/posts\/12488\/revisions"}],"predecessor-version":[{"id":12489,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/posts\/12488\/revisions\/12489"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/media\/330"}],"wp:attachment":[{"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/media?parent=12488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/categories?post=12488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/water-waste.gr\/site\/wp-json\/wp\/v2\/tags?post=12488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}