National Bank of Greece Income Statement

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	2,606	3,052	2,785	1,521	1,361
Interest Paid on Deposits	-	470	696	522	152	149
Net Interest Income	2,129	2,136	2,356	2,263	1,369	1,212
Net Interest Income Growth (YoY)	-7.35%	-9.34%	4.11%	65.30%	12.95%	2.80%
Income From Trading Activities	-2	31	32	14	346	180
Gain (Loss) on Sale of Assets	-	-	-1	-	294	-
Gain (Loss) on Sale of Investments	-10	-10	-1	31	-28	-
Other Non-Interest Income	515	498	437	434	286	228
Total Non-Interest Income	567	583	528	528	958	691
Non-Interest Income Growth (YoY)	15.71%	10.42%	-	-44.89%	38.64%	-49.12%
Revenues Before Loan Losses	2,696	2,719	2,884	2,791	2,327	1,903
Provision for Loan Losses	85	86	180	268	217	72
Revenue	2,611	2,633	2,704	2,523	2,110	1,831
Revenue Growth (YoY)	-0.08%	-2.63%	7.17%	19.57%	15.24%	27.86%
Salaries and Employee Benefits	539	528	513	480	468	469
Occupancy Expenses	210	207	186	188	172	163
Selling, General & Administrative	314	308	273	251	193	192
Other Non-Interest Expense	23	23	53	85	45	15
Total Non-Interest Expense	1,086	1,066	1,023	1,004	876	839
EBT Excluding Unusual Items	1,525	1,567	1,681	1,519	1,234	992
Asset Writedown	-7	-7	-4	-7	-5	-6
Other Unusual Items	-4	-4	-68	-5	-7	-76
Pretax Income	1,506	1,548	1,517	1,479	1,155	799
Income Tax Expense	372	385	356	370	263	15
Earnings From Continuing Operations	1,134	1,163	1,161	1,109	892	784
Earnings From Discontinued Operations	-	-	-	-	230	85
Minority Interest in Earnings	-3	-3	-3	-3	-2	-2
Net Income	1,131	1,160	1,158	1,106	1,120	867
Net Income to Common	1,131	1,160	1,158	1,106	1,120	867
Net Income Growth	2.73%	0.17%	4.70%	-1.25%	29.18%	2527.27%
Basic Shares Outstanding	903	908	912	915	915	915
Diluted Shares Outstanding	903	908	912	915	915	915
Shares Change (YoY)	-0.90%	-0.41%	-0.26%	-0.01%	0.01%	0.01%
EPS (Basic)	1.25	1.28	1.27	1.21	1.22	0.95
EPS (Diluted)	1.25	1.28	1.27	1.21	1.22	0.95
EPS Growth	3.66%	0.58%	4.98%	-1.24%	29.17%	2527.19%
Dividend Per Share	-	-	0.440	0.360	-	-
Dividend Growth	-	-	22.22%	-	-	-
Effective Tax Rate	24.70%	24.87%	23.47%	25.02%	22.77%	1.88%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.