National Bank of Greece S.A. (ATH:ETE)

National Bank of Greece Balance Sheet

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	5,173	9,788	13,667	16,024	9,667
Investment Securities	19,991	16,941	13,872	14,909	15,503
Trading Asset Securities	2,483	2,459	2,180	4,611	6,012
Total Investments	22,474	19,400	16,052	19,520	21,515
Gross Loans	37,283	35,582	37,281	32,256	29,833
Allowance for Loan Losses	-895	-1,083	-1,493	-1,655	-2,720
Other Adjustments to Gross Loans	-204	-232	-183	-117	-96
Net Loans	36,184	34,267	35,605	30,484	27,017
Property, Plant & Equipment	1,296	1,339	1,565	1,655	1,664
Other Intangible Assets	626	524	431	353	282
Investments in Real Estate	40	60	71	80	125
Accrued Interest Receivable	17	26	120	179	80
Other Receivables	3,027	2,191	1,349	4,221	3,618
Restricted Cash	705	696	629	234	274
Other Current Assets	1,018	1,390	3,377	5,684	7,615
Long-Term Deferred Tax Assets	4,006	4,346	4,705	4,912	4,915
Other Real Estate Owned & Foreclosed	357	392	408	425	425
Other Long-Term Assets	34	165	134	187	287
Total Assets	74,957	74,584	78,113	83,958	77,484
Accrued Expenses	336	242	221	215	175
Interest Bearing Deposits	43,363	43,340	40,587	38,341	36,151
Non-Interest Bearing Deposits	14,309	13,900	14,843	15,536	13,249
Total Deposits	57,672	57,240	55,430	53,877	49,400
Short-Term Borrowings	1,390	1,524	2,045	4,253	3,838
Current Portion of Leases	66	106	81	86	82
Current Income Taxes Payable	6	6	2	4	2
Accrued Interest Payable	14	61	8	3	4
Other Current Liabilities	1,369	1,584	1,571	4,560	4,647
Long-Term Debt	4,127	4,768	10,337	13,110	11,896
Long-Term Leases	490	544	1,074	1,153	1,166
Pension & Post-Retirement Benefits	281	248	248	271	294
Long-Term Deferred Tax Liabilities	24	15	16	15	16
Other Long-Term Liabilities	730	594	605	639	879
Total Liabilities	66,505	66,932	71,638	78,186	72,399
Common Stock	915	915	915	915	2,744
Additional Paid-In Capital	3,542	3,542	3,542	13,866	13,866
Retained Earnings	3,893	2,723	1,603	310	308
Treasury Stock	-21	-2	-	-	-1
Comprehensive Income & Other	94	448	392	-9,341	-11,852
Total Common Equity	8,423	7,626	6,452	5,750	5,065
Minority Interest	29	26	23	22	20
Shareholders' Equity	8,452	7,652	6,475	5,772	5,085
Total Liabilities & Equity	74,957	74,584	78,113	83,958	77,484
Total Debt	6,073	6,942	13,537	18,602	16,982
Net Cash (Debt)	1,583	5,305	2,710	2,033	-1,103
Net Cash Growth	-70.16%	95.76%	33.30%	-	-
Net Cash Per Share	1.74	5.80	2.96	2.22	-1.21
Filing Date Shares Outstanding	911.82	914.35	914.72	914.68	914.38
Total Common Shares Outstanding	911.82	914.35	914.72	914.68	914.38
Book Value Per Share	9.24	8.34	7.05	6.29	5.54
Tangible Book Value	7,797	7,102	6,021	5,397	4,783
Tangible Book Value Per Share	8.55	7.77	6.58	5.90	5.23

Updated Mar 15, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.