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 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
Interest Income on Loans	2,703	3,052	2,785	1,521	1,361	1,385
Interest Paid on Deposits	523	696	522	152	149	206
Net Interest Income	2,180	2,356	2,263	1,369	1,212	1,179
Net Interest Income Growth (YoY)	-9.36%	4.11%	65.30%	12.95%	2.80%	-0.92%
Income From Trading Activities	20	32	14	346	180	386
Gain (Loss) on Sale of Assets	-1	-	-	294	-	-
Gain (Loss) on Sale of Investments	-16	-1	31	-28	-	-
Other Non-Interest Income	453	436	434	286	228	202
Total Non-Interest Income	521	528	528	958	691	1,358
Non-Interest Income Growth (YoY)	-10.02%	-	-44.89%	38.64%	-49.12%	179.42%
Revenues Before Loan Losses	2,701	2,884	2,791	2,327	1,903	2,537
Provision for Loan Losses	89	180	268	217	72	1,105
Revenue	2,612	2,704	2,523	2,110	1,831	1,432
Revenue Growth (YoY)	-6.68%	7.17%	19.57%	15.24%	27.86%	6.79%
Salaries and Employee Benefits	531	513	480	468	469	532
Occupancy Expenses	199	186	188	172	163	154
Selling, General & Administrative	294	273	251	193	192	181
Other Non-Interest Expense	31	53	85	45	15	18
Total Non-Interest Expense	1,056	1,023	1,004	876	839	885
EBT Excluding Unusual Items	1,556	1,681	1,519	1,234	992	547
Asset Writedown	-10	-4	-7	-5	-6	4
Other Unusual Items	-68	-68	-5	-7	-76	-
Pretax Income	1,395	1,517	1,479	1,155	799	414
Income Tax Expense	334	356	370	263	15	13
Earnings From Continuing Operations	1,061	1,161	1,109	892	784	401
Earnings From Discontinued Operations	-	-	-	230	85	-366
Minority Interest in Earnings	-3	-3	-3	-2	-2	-2
Net Income	1,058	1,158	1,106	1,120	867	33
Net Income to Common	1,058	1,158	1,106	1,120	867	33
Net Income Growth	-18.62%	4.70%	-1.25%	29.18%	2527.27%	-
Basic Shares Outstanding	910	912	915	915	915	915
Diluted Shares Outstanding	910	912	915	915	915	915
Shares Change (YoY)	-0.29%	-0.26%	-0.01%	0.01%	0.01%	0.00%
EPS (Basic)	1.16	1.27	1.21	1.22	0.95	0.04
EPS (Diluted)	1.16	1.27	1.21	1.22	0.95	0.04
EPS Growth	-18.38%	4.98%	-1.24%	29.17%	2527.19%	-
Dividend Per Share	0.665	0.444	0.360	-	-	-
Dividend Growth	84.78%	23.39%	-	-	-	-
Effective Tax Rate	23.94%	23.47%	25.02%	22.77%	1.88%	3.14%

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