National Bank of Greece Income Statement

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
Interest Income on Loans	-	3,052	2,785	1,521	1,361
Interest Paid on Deposits	-	696	522	152	149
Net Interest Income	2,136	2,356	2,263	1,369	1,212
Net Interest Income Growth (YoY)	-9.34%	4.11%	65.30%	12.95%	2.80%
Income From Trading Activities	178	32	14	346	180
Gain (Loss) on Sale of Assets	-	-	-	294	-
Gain (Loss) on Sale of Investments	-	-1	31	-28	-
Other Non-Interest Income	370	436	434	286	228
Total Non-Interest Income	548	528	528	958	691
Non-Interest Income Growth (YoY)	3.79%	-	-44.89%	38.64%	-49.12%
Revenues Before Loan Losses	2,684	2,884	2,791	2,327	1,903
Provision for Loan Losses	189	180	268	217	72
Revenue	2,495	2,704	2,523	2,110	1,831
Revenue Growth (YoY)	-7.73%	7.17%	19.57%	15.24%	27.86%
Salaries and Employee Benefits	498	513	480	468	469
Occupancy Expenses	205	186	188	172	163
Selling, General & Administrative	246	273	251	193	192
Other Non-Interest Expense	-2	53	85	45	15
Total Non-Interest Expense	947	1,023	1,004	876	839
EBT Excluding Unusual Items	1,548	1,681	1,519	1,234	992
Asset Writedown	-	-4	-7	-5	-6
Other Unusual Items	-	-68	-5	-7	-76
Pretax Income	1,548	1,517	1,479	1,155	799
Income Tax Expense	388	356	370	263	15
Earnings From Continuing Operations	1,160	1,161	1,109	892	784
Earnings From Discontinued Operations	-	-	-	230	85
Minority Interest in Earnings	-	-3	-3	-2	-2
Net Income	1,160	1,158	1,106	1,120	867
Net Income to Common	1,160	1,158	1,106	1,120	867
Net Income Growth	0.17%	4.70%	-1.25%	29.18%	2527.27%
Basic Shares Outstanding	841	912	915	915	915
Diluted Shares Outstanding	841	912	915	915	915
Shares Change (YoY)	-7.85%	-0.26%	-0.01%	0.01%	0.01%
EPS (Basic)	1.38	1.27	1.21	1.22	0.95
EPS (Diluted)	1.38	1.27	1.21	1.22	0.95
EPS Growth	8.71%	4.98%	-1.24%	29.17%	2527.19%
Dividend Per Share	-	0.444	0.360	-	-
Dividend Growth	-	23.39%	-	-	-
Effective Tax Rate	25.06%	23.47%	25.02%	22.77%	1.88%

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