pdf 2007-2021

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28 NÔÂÌ‚Ú›Ô˘ 2008 Forum ∞Ó¿appleÙ˘Í˘
YMBOY§O EIXEIPHEøN
> ATTICA BANK
N¤· ¯ÚËÌ·ÙÔ‰ÔÙÈο ÂÚÁ·Ï›·
∏ ÛÙ¿ÛË ÙˆÓ appleÈÛÙˆÙÈÎÒÓ È‰Ú˘Ì¿ÙˆÓ ÛÙËÓ Î·Ù‡ı˘ÓÛË
ÂÓ›Û¯˘Û˘ Ù˘ ÂappleȯÂÈÚËÌ·ÙÈÎfiÙËÙ·˜, ȉȷ›ÙÂÚ· ÙˆÓ ÌÈÎÚÒÓ
Î·È ÌÂÛ·›ˆÓ ÌÔÓ¿‰ˆÓ, ˘applefi ÙȘ apple·ÚÔ‡Û˜ Û˘Óı‹Î˜ ÎÚ›Û˘
Ù˘ apple·ÁÎfiÛÌÈ·˜ ÔÈÎÓÔÌ›·˜, ΢ÚÈ¿Ú¯ËÛ ÛÙËÓ ÂΉ‹ÏˆÛË
appleÔ˘ ‰ÈÔÚÁ¿ÓˆÛÂ Ë Attica Bank, ÙÔ ¿‚‚·ÙÔ, ÛÙÔ appleÏ·›ÛÈÔ
ÙˆÓ ÂÚÁ·ÛÈÒÓ ÙÔ˘ Forum ∞Ó¿appleÙ˘Í˘ 2008.
O °ÂÓÈÎfi˜ ¢È¢ı˘ÓÙ‹˜ √ÈÎÔÓÔÌÈÎÒÓ,
¢ÈÔÈÎËÙÈÎÒÓ ÀappleËÚÂÛÈÒÓ Î·È ∫ÂÊ·-
Ï·È·ÁÔÚÒÓ – ÃÚËÌ·Ù·ÁÔÚÒÓ (C.F.O.)
Ù˘ Attica Bank Î·È Û˘ÓÙÔÓÈÛÙ‹˜ Ù˘
ÂΉ‹ÏˆÛ˘ Î. ÃÚ‹ÛÙÔ˜ ∫·Ï·Ìapplefi΢,
ÛÙËÓ ÂÈÛ‹ÁËÛ‹ ÙÔ˘ ÙfiÓÈÛÂ fiÙÈ, Ë Attica
Bank, Ô˘‰¤appleÔÙ ͤ¯·Û ÙÔÓ ÎÔÈÓˆÓÈ-
Îfi Ù˘ ÚfiÏÔ, Î·È Î˘Ú›ˆ˜ ηٿ ÙË ‰È¿Ú-
ÎÂÈ· Ù˘ ÎÚ›Û˘, ηıÒ˜ ‰ÂÓ ÛÙ·Ì¿ÙË-
ÛÂ ÙË ¯ÚËÌ·ÙÔ‰fiÙËÛË ÙˆÓ ÌÈÎÚÔÌÂ-
Û·›ˆÓ ÂappleȯÂÈÚ‹ÛˆÓ, Ô‡Ù ÙËÓ ¤ÁÎÚÈ-
ÛË ‰·Ó›ˆÓ ÛÙÔ˘˜ ‰ÈηÈÔ‡¯Ô˘˜ ÙÔ˘
√.∂.∫., Û ·ÓÙÈıÂÛË Ì ÙËÓ appleÔÏÈÙÈ΋
ÙËÓ ÔappleÔ›· ·ÎÔÏÔ‡ıËÛ·Ó ¿ÏÏ· appleÈÛÙˆ-
ÙÈο ȉڇ̷ٷ Ù˘ ¯ÒÚ·˜.
√ Î. ∫·Ï·Ìapplefi΢, ·apple¤‰ˆÛ ÙË ÛÙ¿ÛË
·˘Ù‹ Ù˘ Attica Bank, ·ÊÂÓfi˜ ÛÙÔ ÁÂ-
ÁÔÓfi˜ fiÙÈ Ë ∆Ú¿appleÂ˙· ‰ÂÓ ·ÓÙÈÌÂÙˆapple›-
˙ÂÈ appleÚÔ‚Ï‹Ì·Ù·, ηıÒ˜ ‰È·ı¤ÙÂÈ ·appleÔıÂÌ·ÙÈο
Î·È Î·Ï‹ Ú¢ÛÙfiÙËÙ·, ·ÊÂ-
Ù¤ÚÔ˘ ÛÙËÓ appleÔÏÈÙÈ΋ appleÔ˘ ·ÎÔÏÔ‡ıË-
Û fiÏ· Ù· appleÚÔËÁÔ‡ÌÂÓ· ¯ÚfiÓÈ· Ù˘
·ÏÌ·ÙÒ‰Ô˘˜ ·Ó¿appleÙ˘Í˘.
«∂›Ì·ÛÙÂ, ÌÈ· ÓÔÈÎÔ΢ÚÂ̤ÓË ÙÚ¿appleÂ-
˙·, ÌÈÎÚ‹ Û ‰›ÎÙ˘Ô Î·Ù·ÛÙËÌ¿ÙˆÓ,
·ÏÏ¿ Ì ÛËÌ·ÓÙÈ΋ apple·ÚÔ˘Û›· ÛÙÔ ÔÈ-
ÎÔÓÔÌÈÎfi Á›ÁÓÂÛı·È Î·È Î˘Ú›ˆ˜ ÛÙË
ÛÙ‹ÚÈÍË ÙˆÓ ÌÈÎÚÔÌÂÛ·›ˆÓ ÂappleȯÂÈÚ‹-
Ûˆӻ, ÛËÌ›ˆÛ ¯·Ú·ÎÙËÚÈÛÙÈο Ô Î.
ÃÚ‹ÛÙÔ˜ ∫·Ï·Ìapplefi΢. ∞Ó·ÊÂÚfiÌÂÓÔ˜
‰Â, ÛÙ· Î¤Ú‰Ë appleÔ˘ apple·ÚÔ˘ÛÈ¿˙ÂÈ Ë
Attica Bank ηٿ ÙÔ appleÚÒÙÔ 9ÌËÓÔ ÙÔ˘
2008, Ù˘ Ù¿Í˘ ÙÔ˘ 13,12% appleÚÔ Êfi-
ÚˆÓ, Û ۯ¤ÛË Ì ÙÔ ·ÓÙ›ÛÙÔÈ¯Ô ‰È¿-
ÛÙËÌ· ÙÔ˘ 2007, Ô Ô °ÂÓÈÎfi˜ ¢È¢ı˘-
ÓÙ‹˜ √ÈÎÔÓÔÌÈÎÒÓ, ¢ÈÔÈÎËÙÈÎÒÓ ÀappleË-
ÚÂÛÈÒÓ Î·È ∫ÂÊ·Ï·È·ÁÔÚÒÓ – ÃÚË-
Ì·Ù·ÁÔÚÒÓ, ·apple¤‰ˆÛ ÙÔ ÁÂÁÔÓfi˜ ·˘-
Ùfi, ÛÙËÓ ·‡ÍËÛË Ù˘ apple·Ú·ÁˆÁÈÎfiÙË-
Ù·˜ ÙˆÓ ˘apple·ÏÏ‹ÏˆÓ Î·È ÛÙË Ì›ˆÛË
ÙˆÓ ÏÂÈÙÔ˘ÚÁÈÎÒÓ ÂÍfi‰ˆÓ ÙÔ˘ appleÈÛÙˆ-
ÙÈÎÔ‡ ÔÚÁ·ÓÈÛÌÔ‡. ·Ú¿ÏÏËÏ·, apple·-
ÚÔ˘Û›·Û ·Ó·Ï˘ÙÈο fiÏ· Ù· ̤ÙÚ· appleÔ˘
¤Ï·‚Â Ë Attica Bank ÁÈ· ÙËÓ ·ÚˆÁ‹
ÙˆÓ appleÂÏ·ÙÒÓ Ù˘, ÔÈ ÔappleÔ›ÔÈ appleÏ‹ÙÙÔÓÙ·È
·applefi ÙËÓ ÎÚ›ÛË.
∆Ë ÛËÌ·Û›· appleÔ˘ ‰›ÓÂÈ Ë Attica Bank
ÛÙȘ ÌÈÎÚÔÌÂÛ·›Â˜ ÂappleȯÂÈÚ‹ÛÂȘ ÙfiÓÈ-
ÛÂ ÛÙËÓ ÂÈÛ‹ÁËÛ‹ ÙÔ˘ Ô ∞Ó·appleÏËÚˆ-
Ù‹˜ ÂÚÈÊÂÚÂÈ·Îfi˜ ¢È¢ı˘ÓÙ‹˜ Ù˘
∆Ú¿appleÂ˙·˜ Î. ·‡ÏÔ˜ ·ÙfiÏÈ·˜, Ô ÔappleÔ›-
Ô˜ apple·ÚÔ˘Û›·ÛÂ Ù· appleÚÔ˚fiÓÙ· ÙÔ˘ appleÈ-
ÛÙˆÙÈÎÔ‡ ȉڇ̷ÙÔ˜ ÁÈ· ÙȘ ÌÈÎÚÔÌÂ-
Û·›Â˜ ÂappleȯÂÈÚ‹ÛÂȘ Î·È ÙÔ˘˜ Âapple·ÁÁÂÏ-
̷ٛ˜.
∏ ¢È¢ı‡ÓÙÚÈ· Ù˘ ¢È‡ı˘ÓÛ˘ ÃÚË-
Ì·ÙÈÛÙËÚÈ·ÎÒÓ ˘Ó·ÏÏ·ÁÒÓ Î·È
Margin Ù˘ Attica Bank ΢ڛ· £ÂÔ-
‰ÒÚ· µÏ·ÛÛÔappleÔ‡ÏÔ˘, apple·ÚÔ˘Û›·Û ٷ
Û‡Á¯ÚÔÓ· ηÈÓÔÙfiÌ· ̤۷ ¯ÚËÌ·ÙÔ-
‰fiÙËÛ˘ ÙˆÓ ÌÈÎÚÔÌÂÛ·›ˆÓ ÂappleȯÂÈ-
Ú‹ÛÂˆÓ Î·È ÙËÓ ∂Ó·ÏÏ·ÎÙÈ΋ ∞ÁÔÚ¿
ÙÔ˘ Ã.∞.
∆Ș ˘appleËÚÂۛ˜ Leasing ÁÈ· ÙȘ ÌÈÎÚÔ-
ÌÂÛ·›Â˜ ÂappleȯÂÈÚ‹ÛÂȘ ·applefi ÙËÓ Attica
Bank Î·È Ù· appleÏÂÔÓÂÎÙ‹Ì·Ù· ÂappleÈÏÔÁ‹˜
Ù˘ Û˘ÁÎÂÎÚÈ̤Ó˘ χÛ˘, ·Ó¤Ï˘Û Ô
¢È¢ı˘ÓÙ‹˜ Leasing Î·È Factoring Ù˘
∆Ú¿appleÂ˙·˜ Î. µ·Û›Ï˘ ∫ÏÔ˘‚¿ÙÔ˜.
∆¤ÏÔ˜, Ô ¢È¢ı‡ÓˆÓ ‡Ì‚Ô˘ÏÔ˜ Ù˘
Attica Ventures, ı˘Á·ÙÚÈ΋˜ ÙÔ˘ √Ì›-
ÏÔ˘ Ù˘ Attica Bank, Î. πˆ¿ÓÓ˘ ·-
apple·‰fiappleÔ˘ÏÔ˜, apple·ÚÔ‡ÛÈ·Û ٷ venture
capital, ¤Ó· Ó¤Ô ¯ÚËÌ·ÙÔÔÈÎÔÓÔÌÈÎfi
ÂÚÁ·ÏÂ›Ô ·Ó¿appleÙ˘Í˘, ÙÔ ÔappleÔ›Ô fiappleˆ˜
ÛËÌ›ˆÛ ÛÙÔ Ì¤ÏÏÔÓ Ì¤Ûˆ ·˘ÙÔ‡ ı·
ÛˆıÔ‡Ó appleÔÏϤ˜ ÂappleȯÂÈÚ‹ÛÂȘ.
ÚÂappleÔÚÙ¿˙
> ∑¢˜ ˘Ì‚Ô‡ÏˆÓ - ÕÚ·ÙÔ˜ ∆¯ÓÔÏÔÁ›Â˜ ∞.∂.
EappleȯÂÈÚËÌ·ÙÈÎfiÙËÙ· ¯ˆÚ›˜ Û‡ÓÔÚ·
¢ÈÂıÓ›˜ Û˘ÓÂÚÁ·Û›Â˜ Î·È Ó¤Â˜
Ù¯ÓÔÏÔÁ›Â˜, appleÚÔÔappleÙÈΤ˜ Î·È Â˘-
ηÈڛ˜ ÛÙ· appleÏ·›ÛÈ· Ù˘ ∂˘Úˆapple·˚΋˜
ŒÓˆÛ˘, ‹Ù·Ó ÙÔ ı¤Ì·
Ù˘ ÂΉ‹ÏˆÛ˘ appleÔ˘ ‰ÈÔÚÁ¿Óˆ-
Û·Ó ÔÈ ÂÙ·ÈÚ›˜ ∑¢˜ ˘Ì‚Ô‡-
ÏˆÓ A.E. Î·È ÕÚ·ÙÔ˜ ∆¯ÓÔÏÔ-
Á›Â˜ ∞.∂., ̤ÏË ÙÔ˘ √Ì›ÏÔ˘ ¡.
ªappleÔÁÔÓÈÎÔÏÔ‡.
ÙËÓ ÂΉ‹ÏˆÛË Ì›ÏËÛÂ Ô appleÚfi-
‰ÚÔ˜ ÙÔ˘ √Ì›ÏÔ˘ Î. ¡›ÎÔ˜
ªappleÔÁÔÓÈÎÔÏfi˜ Ô ÔappleÔ›Ô˜ ÌÂ ÙÔ
ÛÏfiÁÎ·Ó «ÏÂÈÙÔ‡ÚÁËÛ ÙÔappleÈο,
‰Ú¿Û apple·ÁÎfiÛÌÈ·» ı¤ÏËÛ ӷ
‰ÒÛÂÈ ÙÔ ÛÙ›ÁÌ· Ù˘ Ó¤·˜ appleÚ·Á-
Ì·ÙÈÎfiÙËÙ·˜ appleÔ˘ ‰ËÌÈÔ˘ÚÁ›-
Ù·È ÛÙÔ ÂappleȯÂÈÚËÌ·ÙÈÎfi appleÂÚÈ-
‚¿ÏÏÔÓ.
‡Ìʈӷ Ì ÙÔÓ ÔÌÈÏËÙ‹, ÎÔÈ-
Ó‹ ·Ó¿ÁÎË ÙfiÛÔ ÁÈ· ÙÔÓ ‰ËÌfi-
ÛÈÔ fiÛÔ Î·È ÁÈ· ÙÔÓ È‰ÈˆÙÈÎfi ÙÔ-
̤· ·appleÔÙÂÏ› Ë ·Ó¿appleÙ˘ÍË Ù˘
Â͈ÛÙÚ¤ÊÂÈ·˜, Ë ·Ó·˙‹ÙËÛË
ÁÓÒÛ˘ Î·È ÂÌappleÂÈÚÈÒÓ Î·È ÂÎÙfi˜
ÂıÓÈ΋˜ ÂÌ‚¤ÏÂÈ·˜.
∆ËÓ ‰È·ÊÔÚÂÙÈ΋ ÔappleÙÈ΋ ÙˆÓ
appleÚ·ÁÌ¿ÙˆÓ, ·Ó¤ÊÂÚÂ Ô Î. ªappleÔ-
ÁÔÓÈÎÔÏfi˜, ÙËÓ Ê¤ÚÓÔ˘Ó ÔÈ Ó¤-
˜ Ù¯ÓÔÏÔÁ›Â˜ ÔÈ Ôappleԛ˜ ¤¯Ô˘Ó
·Ó·appleÙ˘¯ı› Ú·Á‰·›· Ù· ÙÂÏ¢-
Ù·›· 20 ¯ÚfiÓÈ·.
·ÚÔ˘Û›·Û ˆ˜ apple·Ú¿‰ÂÈÁÌ·
ÙËÓ ÂͤÏÈÍË ÙˆÓ ÂappleÈÎÔÈÓˆÓÈÒÓ
·applefi ÙȘ ÂappleÈÛÙÔϤ˜ Î·È Ù· appleÔ-
χˆÚ· ÙËÏÂʈӋ̷ٷ ÛÙËÓ
·ÌÂÛfiÙËÙ· ÙÔ˘ Ê·Í ·applefi ÙÔ
1987, ·applefi ÙËÓ ·‰˘Ó·Ì›· ÂappleÈ-
ÎÔÈÓˆÓ›·˜ «ÂÓ ÎÈÓ‹ÛÂÈ» ÛÙËÓ ÎÈ-
ÓËÙ‹ ÙËÏÂʈӛ· ÛÙËÓ ÁÚ‹ÁÔ-
ÚË ÌÂÙ·ÊÔÚ¿ ‰Â‰ÔÌ¤ÓˆÓ ÛÙËÓ
Âapple·Ó¿ÛÙ·ÛË ÙÔ˘ Internet ·applefi
ÙÔ 1994.
√ Î. ªappleÔÁÔÓÈÎÔÏfi˜ ÙfiÓÈÛÂ fiÙÈ
appleϤÔÓ, ÔÈ ÂappleÈÎÔÈӈӛ˜ ¯·Ú·-
ÎÙËÚ›˙ÔÓÙ·È ·applefi appleÔÏÏ·appleÏ¿ η-
Ó¿ÏÈ· ÂappleÈÎÔÈÓˆÓ›·˜ Î·È ¤¯Ô˘Ó
ÙÂÚ¿ÛÙȘ ‰˘Ó·ÙfiÙËÙ˜ ÌÂÙ·-
ÊÔÚ¿˜ ÂÈÎfiÓ·˜, ‹¯Ô˘ Î·È ‰Â-
‰Ô̤ӈÓ.
÷ڷÎÙ‹ÚÈÛ ˆ˜ Âapple·Ó¿ÛÙ·ÛË
ÙÔ ‰È·‰›ÎÙ˘Ô ÁÈ·Ù› ¿ÏÏ·Í ‰Ú·-
Ì·ÙÈο ÙÔ ÎfiÛÙÔ˜ Î·È ÙËÓ Ù·¯‡-
ÙËÙ· ÂappleÈÎÔÈÓˆÓ›·˜, Âapple¤ÙÚ„ ÏÂÈ-
ÙÔ˘ÚÁ›· «Û˘ÓÂÚÁ·ÙÈÎÒÓ ÂappleȯÂÈ-
ÚËÛÈ·ÎÒÓ ÌÔÓ٤ψӻ Î·È ‰ËÌÈ-
Ô‡ÚÁËÛ ӤԢ˜ ÎÔÈÓˆÓÈÎÔ‡˜ ηÈ
ÔÈÎÔÓÔÌÈÎÔ‡˜ ηÓfiÓ˜.
√ Î. ªappleÔÁÔÓÈÎÔÏfi˜ Û˘ÌappleÏ‹-
ÚˆÛ fiÙÈ Ë ÂͤÏÈÍË ·˘Ù‹ ÛÙȘ
ÂappleÈÎÔÈӈӛ˜ ‹Úı ̷˙› Ì ‰‡Ô
ÂÓÙ˘appleˆÛȷΤ˜ ‰ÈÂıÓ›˜ ·ÏÏ·Á¤˜:
- ∆Ô ¿ÓÔÈÁÌ· ÙÔ˘ ·ÁÎÔÛÌ›Ô˘
∂ÌappleÔÚ›Ô˘ (‰·ÛÌÔ›/ÙÂψÓ›·)
- ŒÓ· Ó¤Ô apple·ÁÎfiÛÌÈÔ ÓfiÌÈÛÌ·
ÙÔ Â˘ÚÒ.
ŸÏ· ·˘Ù¿ Ù· ÛÙÔȯ›·, ÌappleÔÚÔ‡Ó
Ó· ·appleÔÙÂϤÛÔ˘Ó ÙËÓ ‚¿ÛË apple¿-
Óˆ ÛÙËÓ ÔappleÔ›· ı· appleÚ¤appleÂÈ Ó·
·Ó·appleÙ‡ÛÛÔÓÙ·È ÔÈ ÂappleȯÂÈÚ‹ÛÂȘ,
ÂȉÈο Ë ¤ÏÏÂÈ„Ë ıÂÛÌÒÓ Î·È
ÂÌappleÔ‰›ˆÓ ÛÙËÓ ∂∂ Î·È ÙÔ ¯·-
ÌËÏfi ÎfiÛÙÔ˜ ÂappleÈÎÔÈÓˆÓ›·˜ ηÈ
Û˘ÓÂÚÁ·Û›·˜.
ŸÏ· ·˘Ù¿ appleÔ˘ ·Ó¤ÊÂÚ ÛÙËÓ
ÔÌÈÏ›· ÙÔ˘ Ô Î. ªappleÔÁÔÓÈÎÔ-
Ïfi˜ Ù· Û˘Ìapple‡ÎÓˆÛ ÛÙËÓ ÊÚ¿-
ÛË «ÏÂÈÙÔ‡ÚÁËÛ ÙÔappleÈο ‰Ú¿-
ÛÂ apple·ÁÎfiÛÌÈ·».