National Bank of Greece Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Cash & Equivalents	5,212	5,173	9,788	13,667	16,024
Investment Securities	21,929	19,991	16,941	13,872	14,909
Trading Asset Securities	1,863	2,483	2,459	2,180	4,611
Total Investments	23,792	22,474	19,400	16,052	19,520
Gross Loans	40,874	37,283	35,582	37,281	32,256
Allowance for Loan Losses	-984	-895	-1,083	-1,493	-1,655
Other Adjustments to Gross Loans	-286	-204	-232	-183	-117
Net Loans	39,604	36,184	34,267	35,605	30,484
Property, Plant & Equipment	1,516	1,296	1,339	1,565	1,655
Other Intangible Assets	711	626	524	431	353
Investments in Real Estate	37	40	60	71	80
Accrued Interest Receivable	19	17	26	120	179
Other Receivables	2,250	3,027	2,191	1,349	4,221
Restricted Cash	689	705	696	629	234
Other Current Assets	823	1,018	1,390	3,377	5,684
Long-Term Deferred Tax Assets	3,671	4,006	4,346	4,705	4,912
Other Real Estate Owned & Foreclosed	299	357	392	408	425
Other Long-Term Assets	263	34	165	134	187
Total Assets	78,886	74,957	74,584	78,113	83,958
Accrued Expenses	447	336	242	221	215
Interest Bearing Deposits	44,563	43,363	43,340	40,587	38,341
Non-Interest Bearing Deposits	15,236	14,309	13,900	14,843	15,536
Total Deposits	59,799	57,672	57,240	55,430	53,877
Short-Term Borrowings	2,185	1,390	1,524	2,045	4,253
Current Portion of Leases	35	66	106	81	86
Current Income Taxes Payable	8	6	6	2	4
Accrued Interest Payable	17	14	61	8	3
Other Current Liabilities	978	1,369	1,584	1,571	4,560
Long-Term Debt	4,786	4,127	4,768	10,337	13,110
Long-Term Leases	180	490	544	1,074	1,153
Pension & Post-Retirement Benefits	230	281	248	248	271
Long-Term Deferred Tax Liabilities	30	24	15	16	15
Other Long-Term Liabilities	1,108	730	594	605	639
Total Liabilities	69,803	66,505	66,932	71,638	78,186
Common Stock	915	915	915	915	915
Additional Paid-In Capital	3,542	3,542	3,542	3,542	13,866
Retained Earnings	4,760	3,893	2,723	1,603	310
Treasury Stock	-127	-21	-2	-	-
Comprehensive Income & Other	-35	94	448	392	-9,341
Total Common Equity	9,055	8,423	7,626	6,452	5,750
Minority Interest	28	29	26	23	22
Shareholders' Equity	9,083	8,452	7,652	6,475	5,772
Total Liabilities & Equity	78,886	74,957	74,584	78,113	83,958
Total Debt	7,186	6,073	6,942	13,537	18,602
Net Cash (Debt)	-111	1,583	5,305	2,710	2,033
Net Cash Growth	-	-70.16%	95.76%	33.30%	-
Net Cash Per Share	-0.12	1.74	5.80	2.96	2.22
Filing Date Shares Outstanding	903.42	911.82	914.35	914.72	914.68
Total Common Shares Outstanding	903.42	911.82	914.35	914.72	914.68
Book Value Per Share	10.02	9.24	8.34	7.05	6.29
Tangible Book Value	8,344	7,797	7,102	6,021	5,397
Tangible Book Value Per Share	9.24	8.55	7.77	6.58	5.90

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.