natgillin/translations-raw huggingface dataset:
Bank of Greece, Report on the Recapitalisation and the Restructuring of the Greek Banking Sector, December 2012, p.
Rezervacije za izgube iz posojil (december 2011) (5)
8
Interno ustvarjanje kapitala (6)
Reference Core Tier 1 (Dec 2011) (1)
Ciljni delež navadnega lastniškega temeljnega kapitala (december 2014) (7)
Provisions related to PSI (June 2011) (3)
Po navedbah iz memoranduma o gospodarskih in finančnih politikah 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“ [13].
Gross Cumulative Loss Projections for credit risk (4)
Grška centralna banka je ugotovila, da so izvedljive načrte za zbiranje kapitala predložile le štiri največje banke (Eurobank, National Bank of Greece, Piraeus Bank in Alpha Bank) [14].
Loan loss reserves (Dec 2011) (5)
Prvo premostitveno dokapitalizacijo iz sklada HFSF so prejele maja 2012.
Internal capital generation (6)
Domače vloge v Grčiji so se od konca leta 2009 do junija 2012 zaradi recesije in politične negotovosti zmanjšale za skupno 37 %.
Target Core Tier 1 (Dec 2014) (7)
Da bi ohranile vloge, so morale navedene banke plačati višje obrestne mere.
Capital needs (8) = (7) – [(1) + (2) + (3) + (4) + (5) + (6)]
Stroški vlog so se povečali, neto obrestna marža bank pa zmanjšala.
Postbank (TT Bank)
Grške banke so izgubile dostop do financiranja na medbančnih trgih, zato so postale v celoti odvisne od financiranja iz Eurosistema [15], vedno večji del tega financiranja pa je bil v obliki izredne likvidnostne pomoči z državnim jamstvom, ki jo je dodelila grška centralna banka.
According to the MEFP, ‘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’ [13].
Grčija je 3. decembra 2012 začela z izvajanjem programa odkupa novih grških državnih obveznic, ki so jih vlagatelji prejeli v okviru programa PSI, njihova cena pa se je gibala med 30,2 % in 40,1 % njihove nominalne vrednosti [16].
The Bank of Greece found that only the four largest banks (Eurobank, National Bank of Greece, Piraeus Bank and Alpha Bank) submitted viable capital raising plans [14].
Grške banke so sodelovale pri navedenem programu odkupa, ki je pokazal nadaljnje izgube na njihovih bilancah stanja, saj je večina računovodske izgube (tj. razlika med tržno vrednostjo in nominalno vrednostjo), vpisane zaradi navedenih novih grških državnih obveznic v času izvajanja programa PSI, postala dokončna in nepreklicna [17].
They received a first bridge recapitalisation by the HFSF in May 2012.
Štiri največje grške banke so decembra 2012 prejele drugo premostitveno dokapitalizacijo iz sklada HFSF.
Domestic deposits in the banks in Greece decreased by 37 % in total between the end of 2009 and June 2012 due to the recession and political uncertainty.
Spomladi leta 2013 je bila premostitvena dokapitalizacija štirih bank pretvorjena v trajno dokapitalizacijo v obliki navadnih delnic, sklad HFSF pa je s tem imel v lasti več kot 80-odstotni delež vsake od štirih bank.
Those banks had to pay higher interest rates to try to retain deposits.
Sklad HFSF je za banke, ki jim je uspelo privabiti vnaprej določen znesek zasebnega kapitala (skupina, banka Piraeus Bank S.A. in banka National Bank of Greece S.A.), prejel neglasovalne delnice, zasebnim vlagateljem pa so bili dodeljeni nakupni boni na delnice sklada HFSF.
The costs of deposits increased, reducing the net interest margin of the banks.
Grška centralna banka je julija 2013 najela svetovalca za izvedbo diagnostične študije o portfeljih posojil vseh grških bank.
As Greek banks were shut out from wholesale funding markets, they became entirely dependent on Eurosystem financing [15], a growing portion of which was in the form of State-guaranteed ELA granted by the Bank of Greece.
Navedeni svetovalec je pripravil napoved kreditne izgube za portfelje domačih posojil vseh grških bank in posojila z grškim tveganjem v tujih podružnicah in odvisnih družbah za obdobje treh let in pol ter za čas trajanja posojila.
On 3 December 2012, Greece launched a buy-back programme on the new GGBs received by the investors in the framework of the PSI programme, at prices ranging from 30,2 % to 40,1 % of their nominal value [16].
Z analizo so se pripravile napovedi kreditne izgube na podlagi dveh makroekonomskih scenarijev: osnovnega in negativnega.
The Greek banks participated in that buy-back programme which crystallised further losses on their balance sheets, since most of the accounting loss (that is, the difference between market value and nominal value) booked on those new GGBs at the time of the PSI programme became definitive and irreversible [17].
Grška centralna banka je napovedi kreditne izgube za portfelje tujih posojil ocenila na podlagi istih vrednosti kot svetovalec.
In December 2012, the four largest Greek banks received a second bridge recapitalisation from the HFSF.
Grška centralna banka je na podlagi ocene napovedi kreditne izgube, ki jo je podal svetovalec, jeseni 2013 izvedla nov test izjemnih situacij (v nadaljnjem besedilu: test izjemnih situacij iz leta 2013), da bi ocenila trdnost kapitalskega položaja grških bank v osnovnem in negativnem scenariju.
In spring 2013, the bridge recapitalisation of the four banks was converted into permanent recapitalisation in ordinary shares, with the HFSF holding more than 80 % of the shareholding of each of the four banks.
Grška centralna banka je oceno kapitalskih potreb izvedla s tehnično podporo drugega svetovalca.
In July 2013, the Bank of Greece commissioned an advisor to carry out a diagnostic study on the loan portfolios of all Greek banks.
Test izjemnih situacij iz leta 2013: Kapitalske potrebe grških bank na konsolidirani podlagi v osnovnem scenariju (v milijonih EUR)
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.
Grška centralna banka, 2013 Stress Test of the Greek Banking Sector (Test izjemnih situacij grškega bančnega sektorja iz leta 2013), marec 2014, str.
The CLPs for foreign loan portfolios were estimated by the Bank of Greece using some input from the advisor.
Referenčni delež navadnega lastniškega temeljnega kapitala (junij 2013) (1)
Based on the advisor’s assessment of the CLPs, in autumn 2013 the Bank of Greece launched a new stress test exercise (‘the stress test of 2013’) to assess the robustness of the Greek banks’ capital position under both a baseline and an adverse scenario.
Rezervacije za izgube iz posojil (junij 2013) (2)
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 [18] 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 the restructuring plans which had been submitted to the Bank of Greece during the fourth quarter of 2013.
Napovedi kreditne izgube za tuje tveganje [19] (4)
Table 4 summarises the calculation of capital needs for the main Greek banks on a consolidated basis under the baseline scenario for that stress test of 2013.
Interno ustvarjanje kapitala (5)
Table 4
Količnik navadnega lastniškega temeljnega kapitala v testu izjemnih situacij (december 2016) (6)
Stress test of 2013: Capital needs of the Greek banks on a consolidated basis in the baseline scenario (EUR million)
Kapitalske potrebe (7) = (6) – (1) – (2) – (3) – (4) – (5)
Bank of Greece, 2013 Stress Test of the Greek Banking Sector, March 2014, p.
Grška centralna banka je 6. marca 2014 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.
42.
Banke so med koncem marca 2013 in začetkom maja 2014 nadaljevale s povečevanjem kapitala.
Reference Core Tier 1 (June 2013) (1)
Upravičenec
Loan Loss reserves (June 2013) (2)
Skupina zagotavlja univerzalne bančne storitve zlasti v Grčiji in jugovzhodni Evropi (Ciper, Romunija, Bolgarija, Srbija, Albanija in Nekdanja jugoslovanska republika Makedonija) ter Združenem kraljestvu.
CLPs for Greek risk (3)
Zagotavlja vse bančne in finančne produkte ter storitve gospodinjstvom in podjetjem.
CLPs for foreign [19] (4)
Izvaja storitve poslovanja s prebivalstvom, poslovanja s podjetji in zasebnega bančništva, upravljanja sredstev, zakladništva in investicijskega bančništva.
Internal Capital Generation (5)
Skupina je registrirana v Grčiji, njene delnice pa kotirajo na borzi v Atenah.
Stress test Core Tier 1 ratio (December 2016) (6)
Skupina je 30. septembra 2012 zaposlovala skupno 17119 oseb, od tega jih je bila približno tretjina zaposlenih v jugovzhodni Evropi in Združenem kraljestvu, drugi pa v Grčiji [22].
Capital needs (7) = (6) - (1) - (2) - (3) - (4) - (5)
Skupina je sodelovala v programu PSI; zamenjala je grške državne obveznice in državna posojila z nominalno vrednostjo 6043 milijonov EUR.
Between the end of March 2013 and early May 2014, banks proceeded with capital increases.
Glavni podatki za skupino iz decembra 2010, decembra 2011, decembra 2012 in decembra 2013 (konsolidirani podatki) so predstavljeni v preglednici 5.
The beneficiary
Preglednica 5
The Bank provides universal banking services mainly in Greece and in South-Eastern Europe (Cyprus, Romania, Bulgaria, Serbia, Albania and the Former Yugoslav Republic of Macedonia (‘FYROM’)) as well as in the United Kingdom.
Glavni podatki za skupino Alpha Bank za leta 2010, 2011, 2012 in 2013
It offers a full range of banking and financial products and services to households and businesses.
Viri:
It is active in retail, corporate and private banking, asset management, treasury and investment banking.
Pred letom 2012: Restructuring Plan of Alpha Bank (Načrt prestrukturiranja banke Alpha Bank), junij 2014, str.
On 30 September 2012, the Bank employed a total of 17119 people, of which around one-third were employed in South-Eastern Europe and in the United Kingdom, while the remaining two-thirds were employed in Greece [22].
Leti 2012 in 2011: Finančni rezultati za leto 2012 – konsolidirani računovodski izkazi: http://www.alpha.gr/files/investorrelations/IFRS_Alphagroup_FY_2012_en.pdf
The Bank participated in the PSI programme, exchanging GGBs and State-related loans with a face value of EUR 6043 million.
Leto 2010: Finančni rezultati za leto 2011 – konsolidirani računovodski izkazi: http://www.alpha.gr/files/investorrelations/IFRS_Alphagroup_FY_2011_en.pdf
Its total PSI-related charge amounted to around EUR 4786 million before tax and was entirely booked in its 2011 accounts [23].
Poslovni izid
That sale crystallised its losses on the new GGBs.
(vključno z banko Emporiki)
The key figures of the Bank in December 2010, December 2011, December 2012 and December 2013 (consolidated data) are presented in Table 5.
Čisti prihodki iz obresti
Table 5
Prihodki od poslovanja skupaj
Alpha Bank key figures, 2010, 2011, 2012 and 2013
Odhodki iz poslovanja skupaj
Sources:
Prihodki pred rezervacijami
Pro forma 2012: Restructuring Plan of Alpha Bank, June 2014, p.
Izgube zaradi oslabitve za kritje kreditnega tveganja
24.
Izgube zaradi oslabitve pri grških državnih obveznicah in posojilih, upravičenih do programa PSI
2012 and 2011: Financial results 2012 – Consolidated financial statements: http://www.alpha.gr/files/investorrelations/IFRS_Alphagroup_FY_2012_en.pdf
Negativna vrednost dobrega imena
2010: Financial results 2011 – Consolidated financial statements: http://www.alpha.gr/files/investorrelations/IFRS_Alphagroup_FY_2011_en.pdf
Čisti dobiček/izguba
Profit and loss
Izbrani podatki o obsegu
(EUR million)
Posojila in predplačila strankam skupaj (čista)
Pro forma 2012
Vloge
(including Emporiki)
Bilančna vsota
Net Interest Income
Lastniški kapital skupaj [24]
Total Operating Income
Iz preglednice 5 je razvidno, da je imela skupina ob hudih izgubah, ki jih je leta 2011 vpisala zaradi programa PSI (4786 milijonov EUR [25]), težave tudi zaradi upadanja prihodkov (tudi zaradi višjih stroškov z vlogami) ter visokih in rastočih izgub zaradi oslabitve njenega portfelja posojil v Grčiji in tujini.
Total Operating Expenses
Likvidnostni položaj skupine so močno prizadeli odlivi vlog; njeno razmerje med posojili in vlogami je dne 31. decembra 2011 doseglo 152 % [26], na ta datum pa je 34 % njene bilance stanja financiral Eurosistem [27].
Pre Provision Income
Grška centralna banka je na podlagi rezultatov testa izjemnih situacij iz leta 2013 ocenila, da kapitalske potrebe skupine v osnovnem scenariju znašajo 262 milijonov EUR.
Impairment Losses to cover credit risk
Skupina je marca 2014 nadaljevala s povečanjem kapitala v višini 1,2 milijarde EUR za kritje kapitalskih potreb iz uvodne izjave 39 in poplačilo prednostnih delnic v lasti Grčije v višini 940 milijonov EUR [28].
Impairment losses on GGBs and loans eligible to PSI
Sklad HFSF, ki je aprila 2014 povečal kapital banke Eurobank, se v primeru nezadostnega zasebnega povpraševanja ni zavezal k vlaganju kapitala za povečanje kapitala skupine.
Negative goodwill
Slednja je svoj kapital povečala s ponudbo kapitala brez predkupne pravice (tj. povečanje kapitala z odpovedjo predkupne pravice) mednarodnim vlagateljem in javno ponudbo v Grčiji.
Net Profit/Loss
Vpisna cena je bila 0,66 EUR za delnico.
Selective Volume figures
Skupina je po povečanju kapitala 17. aprila 2014 javnost obvestila, da je od Grčije odkupila prednostne delnice v skupnem znesku 940 milijonov EUR.
Total Loans and Advances to Customers (Net)
GRŠKE BANČNE DEJAVNOSTI, KI JIH JE PREVZELA SKUPINA
Deposits
Prevzem banke Emporiki Bank
Total Assets
Banka Emporiki Bank je bila ustanovljena leta 1882.
Total Equity [24]
Skupina Crédit Agricole Group je leta 2000 prvotno prevzela 6,7-odstotni delež banke Emporiki Bank.
Table 5 illustrates that, apart from the huge losses it booked in 2011 due to the PSI programme (EUR 4786 million [25]), the Bank suffered from declining income (due, among other reasons, to the higher costs of deposits) and from high and rising impairment losses on its loan portfolios in Greece and abroad.
Banka Emporiki Bank je odvisna družba banke Crédit Agricole postala leta 2006, ko je ta prevzela nadzorni delež.
The liquidity position of the Bank was badly hit by deposit outflows and its loan-to-deposit ratio reached 152 % at 31 December 2011 [26], while 34 % of its balance sheet was funded by the Eurosystem at that date [27].
Takrat je banka Crédit Agricole svoj delež v banki Emporiki Bank povečala na 94,99 %.
Under the stress test of 2013, the Bank of Greece estimated the capital needs of the Bank at EUR 262 million for the baseline scenario.
Banka Emporiki bank je opravljala vse bančne dejavnosti (poslovanje s prebivalstvom, poslovanje s podjetji) ter investicijsko bančništvo, upravljanje sredstev, upravljanje portfeljev in splošne finančne storitve.
In March 2014, the Bank proceeded with a capital increase of EUR 1,2 billion to cover the capital needs mentioned in recital 39 and to repay the preference shares held by Greece for EUR 940 million [28].
Svoje storitve je v Grčiji nudila prek svoje mreže 323 podružnic, v tujini pa prek svoje podružnice na Cipru ter odvisnih družb na Cipru, v Bolgariji, Albaniji in Romuniji [29].
In contrast to Eurobank’s capital increase of April 2014, the HFSF did not commit to inject capital in the Bank’s capital increase in case of insufficient private demand.
Dne 31. decembra 2012 je zaposlovala 4230 oseb.
The subscription price was set at EUR 0,66 per share.
Skupina je nato prevzela v celoti dokapitalizirano banko Emporiki Bank za 1 EUR.
Acquisition of Emporiki Bank
Skupina je 1. februarja 2013 javnost obvestila o dokončanem prenosu celotnega delniškega kapitala banke Emporiki Bank na skupino [31].
Emporiki Bank was established in 1882.
Glavni podatki za banko Emporiki Bank iz decembra 2010, decembra 2011, decembra 2012 in januarja 2013 so predstavljeni v preglednici 6.
In 2000, Crédit Agricole Group initially acquired a 6,7 % stake in Emporiki Bank.
Preglednica 6
Emporiki Bank became a subsidiary of Crédit Agricole in 2006, when it acquired a controlling interest.
Glavni podatki za banko Emporiki Bank za leta 2010, 2011 in 2012 ter januar 2013
Crédit Agricole increased its shareholding to 94,99 % in Emporiki Bank at that time.
Januar 2013: Rezultati banke Alpha Bank za finančno leto 2012, predstavitev z dne 27. marca 2013 (na voljo na spletni strani: http://www.alpha.gr/files/investorrelations/2012_FY_Financial_Report1.pdf)
Emporiki Bank operated in all banking activities (retail, corporate) as well as in investment banking, asset management, portfolio management and in general financial services.
December 2012: Ključni kazalniki bank Alpha Bank in Emporiki Bank, na voljo na spletni strani: http://www.alpha.gr/page/default.asp?id=9&la=2
It offered its services in Greece through its network of 323 branches and abroad through its branch in Cyprus as well as through subsidiaries in Cyprus, Bulgaria, Albania and Romania [29].
Leti 2011 in 2010: Konsolidirani računovodski izkazi banke Emporiki Bank z dne 31. decembra 2011.
It employed 4230 employees at 31 December 2012.
V milijardah EUR
The Bank participated in the PSI programme, exchanging GGBs and other eligible securities with a face value of EUR 766 million.
31. december 2010
As illustrated in Table 2, its total PSI-related charge amounted to around EUR 590 million before tax and was entirely booked in its 2011 accounts.
(konsolidirano)
As illustrated in Table 3, the capital needs of Emporiki Bank were estimated at EUR 2475 million and were calculated on the basis of a stress test of 2012 performed by the Bank of Greece for the period starting 31 December 2011 and ending 31 December 2014, which relied on the loan losses forecast performed by Blackrock.
31. december 2011
On 12 October 2012, the HFSF gave its consent to the Bank for the acquisition of Emporiki Bank from Crédit Agricole.
(obveznosti, ki jih je prevzela skupina)
On 16 October 2012, Crédit Agricole and the Bank signed the ‘Share Purchase Agreement dated 16 October 2012 between Crédit Agricole S.A. and Alpha Bank S.A. for the sale and purchase of Emporiki Bank of Greece S.A.’.
Januar 2013
The Bank was then to acquire the fully recapitalised Emporiki Bank for one euro.
Rezervacije
Under the share purchase agreement, the Bank did not acquire the foreign subsidiaries of Emporiki Bank, which remained within Crédit Agricole, except for the Cypriot branch of Emporiki Bank, which accounted for EUR 0,5 billion of assets and which was part of the perimeter acquired by the Bank.
Terjatve do strank
At 31 December 2012, following the recapitalisation by Crédit Agricole, Emporiki Bank’s capital adequacy ratio was 17,6 % while its Tier 1 ratio was 13,5 %.
Financiranje iz Eurosistema
On 1 February 2013, the Bank announced the completion of the transfer of Emporiki Bank’s entire share capital to the Bank [31].
Lastniški kapital skupaj
The key figures of Emporiki Bank in December 2010, December 2011, December 2012 and January 2013 are presented in Table 6.
Izguba po obdavčitvi
Table 6
Čista posojila/vloge
Emporiki Bank key figures, 2010, 2011, 2012 and January 2013
Prevzem izbranih obveznosti treh zadružnih bank
January 2013: Alpha Bank FY 2012 Results, presentation of 27 March 2013 (available online at: http://www.alpha.gr/files/investorrelations/2012_FY_Financial_Report1.pdf)
Grška centralna banka se je 8. decembra 2013 odločila, da bo nadaljevala z reševanjem treh zadružnih bank, Dodecanese Bank, Evia Bank in Western Macedonia Bank.
December 2012: Key indicators of Alpha Bank and Emporiki Bank, available online at: http://www.alpha.gr/page/default.asp?id=9&la=2
Grška centralna banka je nadaljevala z nakupom in prevzemom [32], pri katerem bi se na pridobitelja prenesle vse vloge, vključno z medbančnimi vlogami, ter vse terjatve in obveznosti do grškega jamstvenega sklada za vloge in naložbe, ne pa tudi posojila.
2011 and 2010: Consolidated financial statements of Emporiki Bank at 31 December 2011
Grška centralna banka je stopila v stik s štirimi sistemskimi grškimi bankami, saj naj bi se vloge po trditvah grške centralne banke prenesle na popolnoma dokapitalizirane institucije.
In EUR billion
Skupina je za plačilo ponudila znesek, enak 2,1 % prenesenih vlog.
31 December 2010
Banka Dodecanese Bank
(consolidated)
Banka Dodecanese Bank je bila ustanovljena leta 1994.
December 2012
Zbiranje kapitala ni bilo uspešno zaradi premajhnega povpraševanja vlagateljev.
(perimeter acquired by the Bank)
Grška centralna banka je zato 8. decembra 2013 nadaljevala z reševanjem banke Dodecanese Bank.
January 2013
Dovoljenje banke Dodecanese Bank je bilo preklicano in sprožen je bil postopek likvidacije zadevne banke [33].
Provisions
Po navedbah grške centralne banke [35] je poštena vrednost prenesenih sredstev znašala približno 6 milijonov EUR, poštena vrednost prenesenih obveznosti pa 255 milijonov EUR; razlika je bila likvidnostna vrzel [36] v višini 249 milijonov EUR.
Due to Customers
Likvidnostno vrzel je pokril sklad HFSF v skladu s členom 63(D)(13) zakona št. 3601/2007.
Eurosystem funding
Sklad HFSF je decembra 2013 dve tretjini skupne likvidnostne vrzeli, tj. 166 milijonov EUR, izplačal v obveznicah instrumenta EFSF, za preostali znesek v višini 83 milijonov EUR pa se je zavezal, da ga bo plačal, ko bo dokončno določena višina likvidnostne vrzeli.
Total Equity
Grška centralna banka je 16. junija 2014 dokončno določila likvidnostno vrzel banke Dodecanese Bank v višini 258,5 milijona EUR.
Loss after tax
Neplačani del likvidnostne vrzeli bo pokril sklad HFSF.
Net Loans/Deposits
Banka Dodecanese Bank je dne 30. septembra 2013 zaposlovala 132 oseb in imela 11 podružnic.
Acquisition of selected liabilities of the three Cooperative Banks
Skupina v okviru reševanja ni prevzela nobene podružnice banke Dodecanese Bank, je pa navedla, da bo ohranila fizično prisotnost na območjih, kjer se mreže ne prekrivajo (tj. na štirih otokih brez bančnih alternativ) in ohranila štiri majhne podružnice, s katerimi upravlja upravitelj.
On 8 December 2013, the Bank of Greece decided to proceed with the resolution of the three Cooperative banks, Dodecanese Bank, Evia Bank and Western Macedonia Bank.
Skupina je uslužbence banke Dodecanese Bank odpustila in nato selektivno ponovno zaposlila.
The Bank of Greece proceeded with a Purchase & Assumption [32] where all deposits, including interbank deposits, and the claims and liabilities towards the Hellenic Deposit and Investment Guarantee Fund but no loans would be transferred to an acquirer.
Banka Evia Bank
The Bank of Greece contacted the four systemic Greek banks as, according to the Bank of Greece, deposits should be transferred to fully recapitalised institutions.
Banka Evia Bank je bila ustanovljena leta 1995.
Only the Bank and Eurobank submitted binding offers, on 5 December 2013.
V skladu s prospektom je bil količnik lastniškega temeljnega kapitala banke Evia Bank, izračunan na podlagi finančnih podatkov navedene banke z dne 30. junija 2013, ocenjen na 1,8 %, torej ni izpolnjeval minimalnih zahtev glede kapitalske ustreznosti, ki jih je določila grška centralna banka.
The Bank of Greece considered the Bank’s offer as the preferred one.
Grška centralna banka je zato 8. decembra 2013 nadaljevala z reševanjem banke Evia Bank.
The Bank offered an amount equal to 2,1 % of the transferred deposits as consideration.
Dovoljenje banke Evia Bank je bilo preklicano in sprožen je bil postopek likvidacije zadevne banke [37].
Dodecanese Bank was established in 1994.
Po navedbah grške centralne banke [39] je poštena vrednost prenesenih sredstev znašala 2 milijona EUR, poštena vrednost prenesenih obveznosti pa 98 milijonov EUR; razlika je bila likvidnostna vrzel v višini 96 milijonov EUR.