National Bank of Greece Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	5,957	5,173	9,788	13,667	16,024	9,667
Investment Securities	20,886	19,991	16,941	13,872	14,909	15,503
Trading Asset Securities	2,648	2,483	2,459	2,180	4,611	6,012
Total Investments	23,534	22,474	19,400	16,052	19,520	21,515
Gross Loans	38,331	37,283	35,582	37,281	32,256	29,833
Allowance for Loan Losses	-941	-895	-1,083	-1,493	-1,655	-2,720
Other Adjustments to Gross Loans	-	-204	-232	-183	-117	-96
Net Loans	37,390	36,184	34,267	35,605	30,484	27,017
Property, Plant & Equipment	1,311	1,296	1,339	1,565	1,655	1,664
Other Intangible Assets	664	626	524	431	353	282
Investments in Real Estate	36	40	60	71	80	125
Accrued Interest Receivable	-	17	26	120	179	80
Other Receivables	2,110	3,027	2,191	1,349	4,221	3,618
Restricted Cash	-	705	696	629	234	274
Other Current Assets	443	1,018	1,390	3,377	5,684	7,615
Long-Term Deferred Tax Assets	3,761	4,006	4,346	4,705	4,912	4,915
Other Real Estate Owned & Foreclosed	-	357	392	408	425	425
Other Long-Term Assets	1,521	34	165	134	187	287
Total Assets	76,727	74,957	74,584	78,113	83,958	77,484
Accrued Expenses	-	336	242	221	215	175
Interest Bearing Deposits	44,741	43,363	43,340	40,587	38,341	36,151
Non-Interest Bearing Deposits	14,832	14,309	13,900	14,843	15,536	13,249
Total Deposits	59,573	57,672	57,240	55,430	53,877	49,400
Short-Term Borrowings	1,960	1,390	1,524	2,045	4,253	3,838
Current Portion of Leases	-	66	106	81	86	82
Current Income Taxes Payable	9	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	3,855	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	248	281	248	248	271	294
Long-Term Deferred Tax Liabilities	29	24	15	16	15	16
Other Long-Term Liabilities	2,050	730	594	605	639	879
Total Liabilities	67,724	66,505	66,932	71,638	78,186	72,399
Common Stock	915	915	915	915	915	2,744
Additional Paid-In Capital	3,542	3,542	3,542	3,542	13,866	13,866
Retained Earnings	4,319	3,893	2,723	1,603	310	308
Treasury Stock	-99	-21	-2	-	-	-1
Comprehensive Income & Other	298	94	448	392	-9,341	-11,852
Total Common Equity	8,975	8,423	7,626	6,452	5,750	5,065
Minority Interest	28	29	26	23	22	20
Shareholders' Equity	9,003	8,452	7,652	6,475	5,772	5,085
Total Liabilities & Equity	76,727	74,957	74,584	78,113	83,958	77,484
Total Debt	5,815	6,073	6,942	13,537	18,602	16,982
Net Cash (Debt)	2,790	1,583	5,305	2,710	2,033	-1,103
Net Cash Growth	-59.36%	-70.16%	95.76%	33.30%	-	-
Net Cash Per Share	3.06	1.74	5.80	2.96	2.22	-1.21
Filing Date Shares Outstanding	905.37	911.82	914.35	914.72	914.68	914.38
Total Common Shares Outstanding	905.37	911.82	914.35	914.72	914.68	914.38
Book Value Per Share	9.91	9.24	8.34	7.05	6.29	5.54
Tangible Book Value	8,311	7,797	7,102	6,021	5,397	4,783
Tangible Book Value Per Share	9.18	8.55	7.77	6.58	5.90	5.23

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