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

National Bank of Greece Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	4,813	5,212	5,173	9,788	13,667	16,024
Investment Securities	24,471	21,929	19,991	16,941	13,872	14,909
Trading Asset Securities	2,253	1,863	2,483	2,459	2,180	4,611
Total Investments	26,724	23,792	22,474	19,400	16,052	19,520
Gross Loans	42,503	40,874	37,283	35,582	37,281	32,256
Allowance for Loan Losses	-1,014	-984	-895	-1,083	-1,493	-1,655
Other Adjustments to Gross Loans	-	-286	-204	-232	-183	-117
Net Loans	41,489	39,604	36,184	34,267	35,605	30,484
Property, Plant & Equipment	1,520	1,516	1,296	1,339	1,565	1,655
Other Intangible Assets	716	711	626	524	431	353
Investments in Real Estate	33	37	40	60	71	80
Accrued Interest Receivable	-	19	17	26	120	179
Other Receivables	2,524	2,250	3,027	2,191	1,349	4,221
Restricted Cash	-	689	705	696	629	234
Other Current Assets	355	823	1,018	1,390	3,377	5,684
Long-Term Deferred Tax Assets	3,578	3,671	4,006	4,346	4,705	4,912
Other Real Estate Owned & Foreclosed	-	299	357	392	408	425
Other Long-Term Assets	1,608	263	34	165	134	187
Total Assets	83,360	78,886	74,957	74,584	78,113	83,958

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	-	447	336	242	221	215
Interest Bearing Deposits	46,553	44,563	43,363	43,340	40,587	38,341
Non-Interest Bearing Deposits	16,838	15,236	14,309	13,900	14,843	15,536
Total Deposits	63,391	59,799	57,672	57,240	55,430	53,877
Short-Term Borrowings	3,652	2,185	1,390	1,524	2,045	4,253
Current Portion of Leases	-	35	66	106	81	86
Current Income Taxes Payable	126	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	4,500	4,786	4,127	4,768	10,337	13,110
Long-Term Leases	-	180	490	544	1,074	1,153
Pension & Post-Retirement Benefits	269	230	281	248	248	271
Long-Term Deferred Tax Liabilities	31	30	24	15	16	15
Other Long-Term Liabilities	1,665	1,108	730	594	605	639
Total Liabilities	73,634	69,803	66,505	66,932	71,638	78,186

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	915	915	915	915	915	915
Additional Paid-In Capital	3,542	3,542	3,542	3,542	3,542	13,866
Retained Earnings	4,555	4,760	3,893	2,723	1,603	310
Treasury Stock	-233	-127	-21	-2	-	-
Comprehensive Income & Other	918	-35	94	448	392	-9,341
Total Common Equity	9,697	9,055	8,423	7,626	6,452	5,750
Minority Interest	29	28	29	26	23	22
Shareholders' Equity	9,726	9,083	8,452	7,652	6,475	5,772
Total Liabilities & Equity	83,360	78,886	74,957	74,584	78,113	83,958

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	8,152	7,186	6,073	6,942	13,537	18,602
Net Cash (Debt)	-1,086	-111	1,583	5,305	2,710	2,033
Net Cash Growth	-	-	-70.16%	95.76%	33.30%	-
Net Cash Per Share	-1.20	-0.12	1.74	5.80	2.96	2.22
Filing Date Shares Outstanding	896.14	903.42	911.82	914.35	914.72	914.68
Total Common Shares Outstanding	896.14	903.42	911.82	914.35	914.72	914.68
Book Value Per Share	10.26	10.02	9.24	8.34	7.05	6.29
Tangible Book Value	8,981	8,344	7,797	7,102	6,021	5,397
Tangible Book Value Per Share	9.46	9.24	8.55	7.77	6.58	5.90

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 5, 2026

Data Sources Report a data error