Investor Presentaiton
Loan and deposit spreads
Net loan balances & spreads
Deposit mix & cost evolution
€bn
€ bn, bps
396
393
397
397
391
(47)
(49)
(51)
(52)
(51)
% Total
39.4
39.8
40.9
41.7
43.8
43.6
45.0
39.4
39.4
End of
15.0
14.4
13.7
12.3
11.2
25%
37.5
quarter
25.8
27.3
30.1
31.3
33.9
balances
75%
Q2 20
Q3 20
Q4 20
Q1 21
Q2 21
Q2 20
Q3 20
Net Loans
Q4 20
Q1 21
-Group loans spread
Q2 21
Lending spreads (Greece and SEE)
Core deposits Time deposits
Deposit spreads (Greece and SEE)
Group deposits spread
bps
bps
-Consumer Credit
783
769
769
763
762
-SE
(18)
(24)
(23)
(28)
-Small Business
(25)
Europe
573
565
566
572
559
Loans
-SEE
(50)
(51)
(53)
(52)
-Time
395
394
395
394
(55)
386
Deposits
(51)
391
387
(56)
(57)
385
-Large Corporates
(57)
(55)
373
382
258
255
262
269
262
Sight and
Savings
Mortgages
Q2 20
Q3 20
Q4 20
Q1 21
Q2 21
Q2 20
Q3 20
Q4 20
Q1 21
Q2 21
Note: Lending Spreads are revised backwards and recalculated on interest bearing loan balances vs. net balances before.
25
ALPHA
SERVICES AND HOLDINGSView entire presentation