greek banks

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1、Greekbanks希腊银行Danceofthedead垂死挣扎BanksinGreecearebandingtogether.Eventhatmaynotsavethem.希腊的银行开始同心协力共度难关，即便如此依然难逃厄运。NAVIGATINGGreece’sbanksthroughtheshoalsofeconomiccrisisisalabourworthyofHeracles.Withmerelymortalpowers,theexecutivesrunningthecountry’sbiggestbankshavenotdon

2、etoobadajob.Theyenteredthecrisiswithrelativelyprudentbalance-sheetsandseveralraisedcapitalearlierthisyear,whenmarketsweremoreforgiving.Theyarealsostartingtobandtogethertocutcostsandplumpuptheircapitalcushions.即便赫拉克勒斯1再世，要带领希腊银行冲出经济危机的暗礁区也并非易事。而作为普通人的行长们做的还不算太坏。经济危机袭来时，各银行

3、资产负债表相对平衡，更有几家趁着年初市场缓和增加了资本。现在他们开始抱团求生，以便降低支出，增加缓冲资本。OnAugust29thinvestorscheeredthemergerofthecountry’ssecond-andthird-largestbanks,EurobankEFGandAlphabank,toformwhatwillbeGreece’sbiggest.TheyalsomanagedtosecureapromiseofaninvestmentfromQatarandannouncedplanstoissueshare

4、storaisecapital.8月29日投资者们庆祝该国第二大和第三大银行，EFG欧洲银行(EurobnakEFG)和阿尔法银行(AlphaBank)，合并成为希腊最大的银行。股东们计划通过发新股融资，另外还得到了卡塔尔2(Qatar)的投资承诺。ThenewspromptedasharprallyinGreekbankingshares,whichjumpedbyalmost30%asinvestorsforecastmoremergers.Althoughtheeuphoriawasephemeral—sharesfellthefo

5、llowingday—thedealmaydosomethingtohelpstabiliseanembattledfinancialsystem.该消息公布后投资者预计未来还有更多合并，希腊银行股价迅速回弹，涨幅近30%。尽管好景不长——股价第二天就回落了，银行间的合并可以使如临大敌的金融系统稍微松一口气。Thebigadvantagesofthedealarethatitwillallowthebankstocutcosts,mainlybytrimmingtheirbranchnetwork,andthustoimprovecapi

6、talratios.Executivessaythatwithinthreeyearsthemergedbankwillreduceitsannualcostsby€650m($936m).Thatwouldbeenoughtorestoreittoprofitabilityiftherewerenofurtherwrite-downsonitsholdingsofGreekgovernmentbonds.合并的巨大优势在于银行们可以缩减成本，主要靠撤掉冗余分支网点，从而提高资本充足率3。行长们认为三年之内，新的银行的年度支出会减少6亿5

7、千万欧元(9九亿3千6百万美元)。只要银行不下调其持有的希腊国债的账面价值4，支出减少会使之重新创造利润。Yettalkofprofitabilitylooksambitiousgiventhebleakeconomicoutlook.Thetwobankspostedanalarmingriseinbadloansduringthefirsthalfoftheyear.Executivessaythingshaveimprovedsince,butthetrendwillnotgoproperlyintoreverseaslongast

8、heGreekeconomykeepscontracting.Depositshavebeenflowingoutofthesystem,inpartbecauseGreeksarerunni