natgillin/translations-raw huggingface dataset:
The Greek authorities notified those measures to the Commission on 27 December 2012.
Grški organi so navedene ukrepe Komisiji priglasili 27. decembra 2012.
It converted the first and second bridge recapitalisations into equity and injected a further EUR 528 million of capital into the Bank (the ‘Spring 2013 recapitalisation’).
Sklad HFSF je 31. marca 2014 skupini izdal pismo o zavezi, s katerim se je zavezal, da bo udeležen pri načrtovanem povečanju njenega delniškega kapitala.
On 19 December 2013, the Greek authorities submitted information to the Commission regarding the terms of the Spring 2013 recapitalisation.
Grški organi so 16. aprila 2014 Komisiji predložili končni načrt prestrukturiranja za skupino (v nadaljnjem besedilu: načrt prestrukturiranja).
On 31 March 2014, the HFSF provided the Bank with a commitment letter for its participation in a planned share capital increase of the Bank.
Komisiji so priglasili tudi zavezo sklada HFSF, da v celoti prevzame skorajšnjo dokapitalizacijo skupine.
On 16 April 2014 the Greek authorities submitted a final restructuring plan for the Bank (‘the restructuring plan’) to the Commission.
Istega dne so predložili tudi informacije o izredni likvidnostni pomoči z državnim jamstvom.
They also notified the Commission of the HFSF’s commitment to fully underwrite the Bank’s upcoming recapitalisation.
Navedli so, da so želeli skupini še naprej zagotavljati takšno likvidnostno podporo, državna jamstva na dolžniške instrumente in državna obligacijska posojila na podlagi programa pomoči grškim bankam [9].
On the same date they provided information on the State-guaranteed ELA.
Komisija je organizirala več sestankov in telekonferenc s predstavniki grških organov in skupine ter si z njimi po elektronski pošti izmenjala več dopisov.
They indicated that they wanted to continue providing the Bank with such liquidity support, as well as State guarantees on debt instruments and government bond loans under the Greek Banks Support Scheme [9].
Grčija se strinja, da se ta sklep izjemoma sprejme le v angleškem jeziku.
The Commission had numerous meetings, teleconferences and electronic mail exchanges with representatives of the Greek authorities and the Bank.
POSTOPEK, POVEZAN S PREVZETIMI PODJETJI
Greece accepts that exceptionally the present decision is adopted in the English language only.
Postopek, povezan z banko Nea Proton Bank
PROCEDURE RELATED TO THE ACQUIRED BUSINESSES
Komisija je 26. julija 2012 sprejela sklep o državni pomoči SA.
Procedure related to Nea Proton Bank
34488 (2012/C), „Pomoč banki Nea Proton Bank z ustanovitvijo in kapitalizacijo banke Nea Proton Bank“ [10] (v nadaljnjem besedilu: sklep o začetku postopka za banko Nea Proton).
On 26 July 2012, the Commission adopted a decision regarding State aid SA.34488 (2012/C), ‘Aid to Nea Proton Bank through creation and capitalisation of Nea Proton Bank’ [10] (‘Nea Proton Opening Decision’).
Komisija je z navedenim sklepom začela formalni postopek preiskave glede:
By that decision the Commission opened a formal investigation procedure regarding:
financiranja likvidnostne vrzeli med sredstvi in obveznostmi banke Proton Bank v višini 1121,6 milijona EUR iz sheme reševanja grškega jamstvenega sklada za vloge in naložbe (v nadaljnjem besedilu: sklad HDIGF) in sklada HFSF, ki je bila prenesena na banko Nea Proton Bank;
and (iii) an injection of additional share capital of EUR 300 million by the HFSF into Nea Proton Bank which was anticipated at the time the Nea Proton Opening Decision was adopted.
Sklad HFSF je 1. avgusta 2012 v banko Nea Proton Bank vpisal dodatni delniški kapital, ta vložek pa je znašal 230 milijonov EUR.
The Commission invited Greece to submit comments and provide all such information as might help it to assess the aid measures.
Grčija je 5. septembra 2012 predložila pripombe k sklepu o začetku postopka za banko Nea Proton, ki sta jih pripravila grška centralna banka in sklad HFSF.
Section 1 of the Nea Proton Opening Decision described in detail the procedure regarding Proton Bank, including the resolution of Proton Bank, the creation of Nea Proton Bank, the financing of the funding gap and the initial share capital injected by the HFSF into Nea Proton Bank.
Sklad HFSF je 31. decembra 2012 v banko Nea Proton Bank ponovno vpisal dodatni delniški kapital, ta vložek pa je znašal 35 milijonov EUR.
On 1 August 2012, the HFSF subscribed additional share capital in Nea Proton Bank, an increase which amounted to EUR 230 million.
Sklad HFSF je maja 2013 začel postopek za prodajo banke Nea Proton Bank.
On 5 September 2012, Greece submitted comments on the Nea Proton Opening Decision which had been prepared by the Bank of Greece and the HFSF.
Grški organi so 12. julija 2013 Komisijo obvestili o nameri skupine, da prevzame banko Nea Proton Bank.
On 31 December 2012, the HFSF subscribed further share capital in Nea Proton Bank which amounted to EUR 35 million.
Komisija je odgovorila 15. julija 2013.
In May 2013, the HFSF launched the process for the sale of Nea Proton Bank.
Skupina je 15. julija 2013 s skladom HFSF podpisala zavezujoč sporazum o prevzemu 100-odstotnega deleža in glasovalnih pravic banke Nea Proton Bank za nakupno ceno 1 EUR, sklad HFSF pa se je zavezal, da bo banko pred njeno prodajo dokapitaliziral s 395 milijoni EUR v denarnih sredstvih.
On 12 July 2013, the Greek authorities informed the Commission of the Bank’s intention to acquire Nea Proton Bank.
Grški organi so zadevni kapitalski vložek za banko Nea Proton Bank v višini 395 milijonov EUR Komisiji priglasili 29. julija 2013.
The Commission replied on 15 July 2013.
Postopek, povezan z banko New TT Bank
On 15 July 2013, the Bank signed a binding agreement with the HFSF to acquire 100 % of the shares and voting rights of Nea Proton Bank for a purchase price of EUR 1 and the HFSF committed to recapitalise Nea Proton Bank prior to its sale with EUR 395 million in cash.
Komisija je 6. maja 2013 sprejela sklep o državni pomoči SA.
On 29 July 2013, the Greek authorities notified the Commission of that capital injection of EUR 395 million into Nea Proton Bank.
31155 (2013/C), „Državna pomoč banki Hellenic Postbank S.A. z ustvarjanjem in kapitalizacijo premostitvene banke New TT Hellenic Postbank S.A.“ (v nadaljnjem besedilu: sklep o začetku postopka za banko New TT) [11].
Procedure related to New TT Bank
Komisija je v zadevnem sklepu začela formalni postopek preiskave glede:
On 6 May 2013, the Commission adopted a decision regarding State aid SA.31155 (2013/C), ‘State aid to TT Hellenic Postbank S.A. through the creation and the capitalisation of the bridge bank New TT Hellenic Postbank S.A.’
kapitalskega vložka v banko New TT Hellenic Postbank S.A. (v nadaljnjem besedilu: banka New TT Bank) v višini 500 milijonov EUR, ki jih je vložil sklad HFSF;
(‘New TT Opening Decision’) [11].
financiranja likvidnostne vrzeli [12] zaradi prenosa dejavnosti banke Hellenic Postbank S.A. (v nadaljnjem besedilu: banka TT Bank) na banko New TT Bank v višini 4,1 milijarde EUR [13];
In that decision the Commission opened the formal investigation procedure regarding:
Komisija je Grčijo pozvala, naj predloži pripombe in zagotovi vse ustrezne informacije, ki bi ji lahko pomagale oceniti pomoč za prestrukturiranje.
a EUR 4,1 billion [12] financing of the funding gap [13] resulting from the transfer of Hellenic Postbank S.A.
Grški organi so 15. julija 2013 Komisijo obvestili o nameri sklada HFSF, da banko New TT Bank proda skupini, in navedli razloge za tako odločitev.
(‘TT Bank’) activities to New TT Bank;
Skupina je 15. julija 2013 s skladom HFSF podpisala zavezujoč sporazum o prevzemu 100-odstotnega deleža in glasovalnih pravic banke New TT Bank.
a EUR 224,96 million capital injection by Greece in the form of preference shares under the Greek Banks Support Scheme into TT Bank;
Grčija je 19. julija 2013 predložila pripombe k sklepu o začetku postopka za banko New TT.
and (iv) a EUR 0,68 billion intervention by the HDIGF in favour of the assets of T Bank S.A.
OPIS
(‘T Bank’) which had been transferred to TT Bank.
SKUPINA IN NJENE TEŽAVE
The Commission invited Greece to submit comments and provide all such information as might help it to assess the restructuring aid.
Splošno ozadje grškega bančnega sektorja
Section 1 of the New TT Opening Decision describes in detail the procedures regarding the resolution of T Bank by sale to TT Bank and the resolution of TT Bank by the creation of New TT Bank.
Realni bruto domači proizvod (BDP) Grčije se je od leta 2008 do leta 2012 zmanjšal za 20 %, kot je prikazano v preglednici 1.
In June 2013, the HFSF launched the process for the sale of New TT Bank.
Stopnja nevračila posojil grških bank grškim gospodinjstvom in podjetjem se je zato hitro večala [14].
On 15 July 2013, the Greek authorities informed the Commission of the HFSF’s decision to sell New TT Bank to the Bank and the reasons for that decision.
To je škodljivo vplivalo na uspešnost sredstev grških bank in povečalo potrebo po kapitalu.
On 15 July 2013, the Bank signed a binding agreement with the HFSF to acquire 100 % of the shares and voting rights of New TT Bank.
Preglednica 1
On 19 July 2013, Greece submitted comments on the New TT Opening Decision.
Realna rast BDP v Grčiji, 2008–2013
DESCRIPTION
Vir:
THE BANK AND ITS DIFFICULTIES
Eurostat, na voljo na spletni strani http://epp.eurostat.ec.europa.eu/tgm/table.do?tab=table&init=1&plugin=1&language=en&pcode=tec00115
General context of the Greek banking sector
Grčija
Greece’s real gross domestic product (‘GDP’) fell by 20 % from 2008 to 2012, as shown in Table 1.
Realna rast BDP, v %
As a result, Greek banks have faced a rapidly raising default rate on loans to Greek households and companies [14].
4 (po ocenah)
Those developments have adversely affected the performance of the assets of Greek banks and given rise to capital needs.
Grčija je februarja 2012 izvedla tudi zamenjavo obveznic z zasebnim sektorjem, kar je znano kot udeležba zasebnega sektorja (v nadaljnjem besedilu: program PSI).
Table 1
Preglednica 2
Real GDP Growth in Greece, 2008-2013
Skupna izguba glavnih grških bank na podlagi programa PSI (v mio.
Source:
EUR)
Greece
14.
Real GDP growth, %
Banke
4 (estimate)
Nominalna vrednost grških državnih obveznic
In addition, in February 2012, Greece implemented a private sector bond exchange known as Private Sector Involvement (‘the PSI programme’).
Nominalna vrednost državnih posojil
Greek banks were involved in the PSI programme, in the course of which the Greek government offered existing private bondholders new securities (including new Greek government bonds (‘GGBs’), GDP-linked securities and PSI payment notes issued by the European Financial Stability Fund (‘EFSF’)) in exchange for existing GGBs, with a nominal discount of 53,5 % and longer maturities [15].
Skupna nominalna vrednost
The Greek authorities announced the results of that exchange of bonds on 9 March 2012 [16].
Izguba pri grških državnih obveznicah na podlagi programa PSI
The exchange resulted in significant losses for the bondholders (estimated by the Bank of Greece at 78 % of the face amount of old GGBs on average for the Greek banks) and capital needs which were retroactively booked in the Greek banks’ 2011 financial statements.
Izguba pri državnih posojilih na podlagi programa PSI
Table 2
Skupna bruto izguba na podlagi programa PSI
Total PSI losses of the main Greek banks (EUR million)
Skupna bruto izguba na podlagi programa PSI/Delež navadnega lastniškega temeljnega kapitala (Core Tier 1) [17] (%)
Bank of Greece, Report on the Recapitalisation and the Restructuring of the Greek Banking Sector, December 2012, p.
Skupna bruto izguba na podlagi programa PSI/Sredstva skupaj (%)
14.
Navedeni znesek se je izračunal na podlagi testa izjemnih situacij, ki ga je grška centralna banka izvedla za obdobje od decembra 2011 do konca decembra 2014 (v nadaljnjem besedilu: test izjemnih situacij iz leta 2012), ki je temeljil na napovedi družbe Blackrock glede izgube iz posojil [19].
Banks
Sredstva za dokapitalizacijo grških bank je zagotovil sklad HFSF.
Face amount of state related loans
Preglednica 3
Total face amount
Test izjemnih situacij iz leta 2012:
PSI loss of GGBs
Kapitalske potrebe glavnih grških bank (v mio.
PSI loss of PSI-Verlust der PSI-Verlust der
EUR)
Total gross PSI loss
Grška centralna banka, Report on the Recapitalisation and Restructuring of the Greek Banking Sector (Poročilo o dokapitalizaciji in prestrukturiranju grškega bančnega sektorja), december 2012, str.
Total gross PSI loss/Total assets (%)
Referenčni delež navadnega lastniškega temeljnega kapitala (december 2011)
Since the Greek banks faced substantial capital shortfalls as a result of the PSI programme and the continuing recession, the Memorandum of Economic and Financial Policies (‘MEFP’) of the Second Adjustment Programme for Greece between the Greek government, the European Union, the International Monetary Fund (‘IMF’) and the European Central Bank (‘ECB’) dated 11 March 2012 made funds available for the recapitalisation of those banks.
(december 2011)
The Greek authorities estimated the total bank recapitalisation needs and resolution costs to be financed under that programme at EUR 50 billion [18].
Rezervacije, povezane s PSI
That amount was calculated on the basis of a stress test performed by the Bank of Greece for the period starting December 2011 and ending December 2014 (‘the stress test of 2012’), which relied on the loan losses forecast performed by Blackrock [19].
(junij 2011)
The funds for the recapitalisation of the Greek banks are available through the HFSF.
Skupna bruto izguba
Table 3 summarises the calculation of capital needs for the main Greek banks as they result from the stress test of 2012.
Napovedi glede kreditnega tveganja
Table 3
Rezervacije za izgube iz posojil
Stress test of 2012:
Interno ustvarjanje kapitala
Capital needs of the main Greek banks (EUR million)
Ciljni delež navadnega lastniškega temeljnega kapitala (december 2014)
Bank of Greece, Report on the Recapitalisation and the Restructuring of the Greek Banking Sector, December 2012, p.
Kapitalske potrebe
8.
Po navedbah iz memoranduma o gospodarskih in finančnih politikah iz marca 2012 bodo imele „banke, ki predložijo izvedljive načrte za zbiranje kapitala, […] možnost, da zaprosijo za javno podporo in jo prejmejo na način, ki bo ohranil pobude zasebnega sektorja za vlaganje kapitala in tako kar najbolj zmanjšal breme za davkoplačevalce“ [20].
Reference Core Tier 1 (Dec 2011)
Grška centralna banka je ugotovila, da so preživetja sposobne le štiri največje banke (Eurobank, National Bank of Greece, Piraeus Bank in Alpha Bank) [21].
(Dec 2011)
Sklad HFSF jih je prvič dokapitaliziral maja 2012.
Provisions related to PSI
Domače vloge v Grčiji so se od konca leta 2009 do junija 2012 zmanjšale za skupno 37 % zaradi recesije in politične negotovosti.
(June 2011)
Te banke so, da bi ohranile vloge, morale plačati višje obrestne mere.
Gross Cumulative Loss
Stroški vlog so se povečali, neto obrestna marža bank pa zmanjšala.
Projections for credit risk
Grške banke so izgubile dostop do financiranja na medbančnih trgih, zato so postale v celoti odvisne od financiranja iz Eurosistema [22], vedno večji del tega financiranja pa je bil v obliki izredne likvidnostne pomoči, ki jo je dodelila grška centralna banka.
Loan loss reserves
Zneski, ki so jih te banke pridobile, so bili zlasti visoki v drugi polovici leta 2012.
Internal capital generation
Po volitvah junija 2012 se je stanje vlog ponovno izboljševalo.
Target Core Tier 1 (Dec 2014)
Skupno financiranje grških bank iz Eurosistema se je od 31. decembra 2012 zmanjšalo.
Capital needs
Grčija je 3. decembra 2012 začela z izvajanjem programa odkupa novih grških državnih obveznic, prejetih v okviru programa PSI, njihova cena pa se je gibala med 30,2 % in 40,1 % njihove nominalne vrednosti [23].
According to the MEFP of March 2012, ‘banks submitting viable capital raising plans will be given the opportunity to apply for and receive public support in a manner that preserves private sector incentives to inject capital and thus minimises the burden for taxpayers’ [20].
Grške banke so sodelovale pri navedenem programu odkupa, ki je pokazal nadaljnje izgube na njihovi bilanci stanja, saj je računovodska izguba (tj. razlika med tržno vrednostjo in nominalno vrednostjo), vpisana v času programa PSI, postala dokončna in nepreklicna [24].
The Bank of Greece found only the four largest banks (Eurobank, National Bank of Greece, Piraeus Bank and Alpha Bank) to be viable [21].
Sklad HFSF je decembra 2012 drugič dokapitaliziral štiri največje grške banke.
They received a first recapitalisation by the HFSF in May 2012.
Grška centralna banka je jeseni 2013 izvedla nov test izjemnih situacij, da bi ocenila trdnost kapitalskega položaja grških bank v osnovnem in negativnem scenariju.
Domestic deposits in the banks in Greece decreased by 37 % in total between the end of 2009 and June 2012 due to recession and political uncertainty.
Grška centralna banka je julija 2013 najela svetovalca za izvedbo diagnostične študije o portfeljih posojil vseh grških bank.
Those banks had to pay higher interest rates to try to retain deposits.
Svetovalec je pripravil napoved kreditne izgube za portfelje domačih posojil vseh grških bank in posojila z grškim tveganjem v tujih podružnicah in odvisnih podjetjih za obdobje treh let in pol ter za čas trajanja posojila.
The costs of deposits increased, reducing the net interest margin of the banks.
Grška centralna banka je napovedi kreditne izgube za portfelje tujih posojil ocenila na podlagi istih vrednosti kot svetovalec.
The amounts those banks obtained were particularly large in the second half of 2012.
Glavni elementi ocene kapitalskih potreb na podlagi testov izjemnih situacij iz leta 2013 so bili (i) napovedi kreditne izgube [25] za portfelje posojil bank na konsolidirani podlagi za grško in tuje tveganje, brez obstoječih rezerv za posojila, in (ii) ocenjena operativna donosnost bank za obdobje od junija 2013 do decembra 2016 na podlagi zadržane prilagoditve načrtov prestrukturiranja, ki so bili grški centralni banki predloženi v četrtem četrtletju leta 2013.
After elections were held in June 2012, the stock of deposits began to increase again.
V preglednici 4 je povzet izračun kapitalskih potreb glavnih grških bank na konsolidirani podlagi v osnovnem scenariju za test izjemnih situacij iz leta 2013.
Total Eurosystem funding of Greek banks has decreased since 31 December 2012.
Preglednica 4
On 3 December 2012, Greece launched a buy-back programme on the new GGBs received in the framework of the PSI programme, at prices ranging from 30,2 % to 40,1 % of their nominal value [23].
Test izjemnih situacij iz leta 2013:
The Greek banks participated in that buy-back programme which crystallised further losses on their balance sheet, since the accounting loss (that is, the difference between market value and nominal value) booked at the time of the PSI programme became definitive and irreversible [24].
kapitalske potrebe grških bank na konsolidirani podlagi v osnovnem scenariju (v mio.
In December 2012, the four largest Greek banks received a second recapitalisation from the HFSF.
EUR)
In autumn 2013, the Bank of Greece launched a new stress test exercise to assess the robustness of the Greek banks’ capital position under both a baseline and an adverse scenario.
Grška centralna banka, 2013 Stress Test of the Greek Banking Sector (Test izjemnih situacij grškega bančnega sektorja iz leta 2013), marec 2014, str.
In July 2013, the Bank of Greece commissioned an advisor to carry out a diagnostic study on the loan portfolios of all Greek banks.
42.
That advisor carried out credit loss projections (‘CLPs’) on all domestic loan books of the Greek banks as well as on loans carrying Greek risk in foreign branches and subsidiaries over a three-and-a-half-year and a loan-lifetime horizon.
Referenčni delež navadnega lastniškega temeljnega kapitala (junij 2013) (1)
The analysis provided CLPs under two macroeconomic scenarios; a baseline and an adverse one.
Rezervacije za izgube iz posojil
The CLPs for foreign loan portfolios were estimated by the Bank of Greece using some input from the advisor.
(junij 2013) (2)
Based on the advisor’s assessment of the CLPs, the Bank of Greece conducted the capital needs assessment with the technical support of a second advisor.
Napovedi kreditne izgube za grško tveganje (3)
The key components of the capital needs assessment under the stress test of 2013 were (i) the CLPs [25] on banks’ loan portfolios on a consolidated basis for Greek risk and foreign risk, net of existing loan reserves, and (ii) the estimated operating profitability of banks for the period from June 2013 to December 2016, based on a conservative adjustment of restructuring plans which had been submitted to the Bank of Greece during the fourth quarter of 2013.
Napovedi kreditne izgube za tuje tveganje [26] (4)
Table 4 summarises the calculation of capital needs for the main Greek banks on a consolidated basis on the baseline scenario for that stress test of 2013.
Interno ustvarjanje kapitala (5)
Table 4
Delež navadnega lastniškega temeljnega kapitala v testu izjemnih situacij (december 2016) (6)
Stress test of 2013:
=(6) – (1) – (2) – (3) – (4) – (5)
Capital needs of the Greek banks on a consolidated basis in the baseline scenario (EUR million)
Grška centralna banka je 6. marca 2013 objavila rezultate testa izjemnih situacij iz leta 2013 in od bank zahtevala, naj do sredine aprila 2014 predložijo svoje načrte za zbiranje kapitala za pokrivanje kapitalskih potreb na podlagi osnovnega scenarija.
Bank of Greece, 2013 Stress Test of the Greek Banking Sector, March 2014, p.
Gospodarske dejavnosti skupine
42.
Skupina zagotavlja univerzalne bančne storitve zlasti v Grčiji ter v vzhodni in jugovzhodni Evropi (Ciper, Romunija, Bolgarija, Srbija in Ukrajina).
Reference Core Tier 1 (June 2013) (1)
Zagotavlja vse bančne in finančne produkte ter storitve gospodinjstvom in podjetjem.
Loan Loss reserves
Izvaja storitve poslovanja s prebivalstvom, poslovanja s podjetji in zasebnega bančništva, upravljanja sredstev, zavarovanja, zakladništva kapitalskih trgov in druge storitve.
(June 2013) (2)
Skupina je registrirana v Grčiji, njene delnice pa kotirajo na borzi v Atenah.
CLPs for Greek risk (3)
Skupina je 31. decembra 2012 zaposlovala skupno 17427 oseb, od tega jih je bila približno polovica zaposlenih v vzhodni in jugovzhodni Evropi, drugi pa v Grčiji [29].
CLPs for foreign risk [26] (4)
Skupina je sodelovala v programu PSI;
Stress test Core Tier 1 ratio (December 2016) (6)
Glavni podatki za skupino iz decembra 2010, decembra 2011, decembra 2012 in decembra 2013 (konsolidirani podatki) so predstavljeni v preglednici 5.
=(6)– (1)– (2)– (3)– (4)– (5)
Preglednica 5
On 6 March 2013, the Bank of Greece announced the results of the stress test of 2013 and requested the banks to submit their capital raising plans by mid-April 2014 to cover the capital needs under the baseline scenario.
Glavni podatki za skupino Eurobank za leta 2010, 2011, 2012 in 2013
The economic activities of the Bank
Viri:
The Bank provides universal banking services mainly in Greece and in Eastern and South-Eastern Europe (Cyprus, Romania, Bulgaria, Serbia, and Ukraine).
Leti 2012 in 2011:
It is active in retail, corporate and private banking, asset management, insurance, treasury, capital markets and other services.
(v mio.
The Bank participated in the PSI programme, exchanging GGBs and State-related loans with a face value of EUR 7336 million.
Čisti prihodki iz obresti
Its total PSI-related charge amounted to around EUR 5781 million before tax and was entirely booked in its 2011 accounts [30].
Prihodki od poslovanja skupaj
During the buy-back programme of December 2012, the Bank sold the new GGBs it had received in the framework of the PSI at a deep discount to nominal value.
Odhodki iz poslovanja skupaj
That sale crystallised its losses on the new GGBs.
Prihodki pred rezervacijami
The key figures of the Bank in December 2010, December 2011, December 2012 and December 2013 (consolidated data) are presented in Table 5.
Izgube zaradi kreditnega tveganja
Table 5
Izgube zaradi PSI
Eurobank key figures, 2010, 2011, 2012 and 2013
Druge izgube
Sources:
Čisti dobiček/izguba