National Bank of Greece S.A. (ATH:ETE)
Greece flag Greece · Delayed Price · Currency is EUR
16.33
-0.10 (-0.58%)
Aug 19, 2026, 5:15 PM EET

National Bank of Greece Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
2,7152,6332,7042,5232,1101,831
Revenue Growth
3.47%-2.63%7.17%19.57%15.24%27.86%
Net Income
1,1161,1601,1581,1061,120867
Earnings Per Share
1.241.281.271.211.220.95
EPS Growth
2.25%0.58%4.98%-1.24%29.17%2527.19%

Revenue by Segment

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Global Markets & Asset Management
424324-4423557735
Retail Banking
1,3471,4191,9191,828627323
International Banking Operations
1213212711212075
Other
1046-57-130222-103
Corporate & Investment Banking
720725823829571539
Trouble Assets Units (“TAU”)
3165-108-227-22256
Total
2,6532,6112,6602,4352,0751,825

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
7,0667,0757,65612,24716,24720,635
Total Debt
8,1527,1866,0736,94213,53718,602
Net Cash (Debt)
-1,086-1111,5835,3052,7102,033
Net Cash Growth
---70.16%95.76%33.30%-
Net Cash Per Share
-1.20-0.121.745.802.962.22

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-1,4661,091-2,856-6,6622132,200
Capital Expenditures
-534-538-299-516-193-179
Free Cash Flow
-2,000553-3,155-7,178202,021
Free Cash Flow Growth
-----99.01%-67.42%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
41.11%44.06%42.83%43.84%53.08%47.35%
FCF Margin
-73.67%21.00%-116.68%-284.50%0.95%110.38%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023
Period EndingAug '26 Dec '25 Dec '24 Dec '23
Dividend Per Share
0.5720.5070.4400.360
Dividend Per Share Growth
15.93%15.27%22.22%-
Dividend Yield
3.48%3.98%6.23%6.49%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.2010.126.035.203.063.09
Forward PE
10.839.045.834.885.677.54
P/FCF Ratio
-21.24--171.371.33
PS Ratio
5.394.462.582.281.621.46