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National Bank of Greece

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National Bank of Greece

National Bank of Greece is a Greece-based financial group providing various banking products and services in Greece and the Southeastern Europe. Through a network of some 528 branches and 1,416 ATMs on the domestic market, the Bank offers its customers a wide range of financial services, including corporate and investment banking; retail banking, leasing and factoring; stock brokerage, asset management and venture capital; insurance; and

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National Bank of Greece is a Greece-based financial group providing various banking products and services in Greece and the Southeastern Europe. Through a network of some 528 branches and 1,416 ATMs on the domestic market, the Bank offers its customers a wide range of financial services, including corporate and investment banking; retail banking, leasing and factoring; stock brokerage, asset management and venture capital; insurance; and real estate and consulting services. In addition, the Bank is involved in various other businesses, including hotel and property management. The Group is also active abroad, especially, in Turkey, Bulgaria, Serbia, Romania, Albania, Cyprus and Macedonia. The company was founded in 1841 and is headquartered in Athens, Greece.

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AnnualQuarterly
summary Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

            3,966 4,148 3,843 3,365 3,157    
            5,077 4,640 4,372 4,193 3,771    
            2,585 2,127 1,831 1,357 1,224    
            923 406 -12,344 -2,140 809    

balance sheet

            3,708 3,321 4,636 4,318 2,847    
            74,753 77,262 71,496 69,135 67,250    
            26,095 28,000 22,358 22,739 30,790    
            113,394 120,745 106,732 104,799 110,930    
            9,288 10,905 -253 -1,888 7,874    
            21,643 29,899 34,108 33,972 27,897    
            71,195 68,039 59,544 58,722 62,876    
            3,085 4,432 3,440 3,772 3,806    

ratios

            10.5% 4.02% -232% 200% 27.0%    
            0.857% 0.346% -10.9% -2.02% 0.750%    
            2.32% 2.15% 2.23% 2.68% 2.36%    
            49.1% 54.1% 58.1% 67.6% 67.5%    
... ...         11.3% 13.7% -2.60% -6.10% 10.6%    
            3.69% 3.54% 3.38% 3.18% 2.93%    
            78.1% 89.4% 87.9% 80.3% 83.7%    
            13.0% 13.1% 11.3% 11.8% 14.0%    
            63.3% 60.9% 63.6% 49.1% 60.1%    
            8.19% 9.03% -0.237% -1.80% 7.10%    
            105% 114% 120% 118% 107%    
            65.9% 64.0% 67.0% 66.0% 60.6%    
... ... ... ...     6.41% 8.86% 26.5% 31.6% 28.6%    
... ... ... ...     49.7% 46.9% 34.2% 32.0% 40.7%    

Download Data
income statement Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

income statement

Interest Income EUR mil
Interest Cost EUR mil
Net Interest Income EUR mil
Net Fee Income EUR mil
Other Income EUR mil
Total Revenues EUR mil
Staff Cost EUR mil
Depreciation EUR mil
Other Cost EUR mil
Operating Cost EUR mil
Operating Profit EUR mil
Provisions EUR mil
Extra and Other Cost EUR mil
Pre-Tax Profit EUR mil
Tax EUR mil
Minorities EUR mil
Net Profit EUR mil
Dividends EUR mil
            6,578 6,402 6,587 6,230 5,520    
            2,612 2,254 2,744 2,865 2,363    
            3,966 4,148 3,843 3,365 3,157    
            660 610 494 495 529    
            450 -118 35.3 333 85.0    
            5,077 4,640 4,372 4,193 3,771    
            1,577 1,530 1,616 1,393 1,530    
            189 200 203 209 206    
            725 782 721 1,233 811    
            2,492 2,512 2,541 2,835 2,547    
            2,585 2,127 1,831 1,357 1,224    
            2,459 3,352 7,120 7,770 8,853    
            29.2 39.5 29.3 190 30.0    
            1,252 638 -13,420 -1,986 -179    
            289 197 -1,095 158 -986    
            40.8 34.9 19.1 -4.17 -2.00    
            923 406 -12,344 -2,140 809    
            0.000 0.000 0.000 0.000 0.000    

growth rates

...           10.8% 4.59% -7.35% -12.4% -6.18%    
...           -14.5% -7.64% -19.0% 0.201% 6.90%    
...           3.45% -8.61% -5.76% -4.11% -10.1%    
...           4.57% 0.812% 1.14% 11.6% -10.2%    
...           2.39% -17.7% -13.9% -25.9% -9.82%    
...           -35.4% -49.1% -2,205% -85.2% -91.0%    
...           -40.3% -56.0% -3,144% -82.7% -138%    

market share

            156% ... ... ... 16.5% ... ...

Download Data
balance sheet Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

balance sheet

            4,253 7,530 4,082 4,500 5,910    
            3,708 3,321 4,636 4,318 2,847    
            74,753 77,262 71,496 69,135 67,250    
... ...         24,482 25,566 24,079 23,471 22,505    
... ...         7,867 7,948 8,664 8,984 8,633    
... ...         33,620 35,494 34,292 31,450 32,914    
            26,095 28,000 22,358 22,739 30,790    
            4,586 4,631 4,160 4,106 4,133    
            113,394 120,745 106,732 104,799 110,930    
            9,288 10,905 -253 -1,888 7,874    
            857 835 83.6 70.1 683    
            104,107 109,839 106,985 106,686 103,056    
            21,643 29,899 34,108 33,972 27,897    
            71,195 68,039 59,544 58,722 62,876    
... ...         57,475 52,765 47,708 44,318 46,883    
... ...         10,708 11,148 8,856 10,794 11,843    
... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... ...    
            3,085 4,432 3,440 3,772 3,806    
            8,184 7,469 9,893 10,221 8,477    

asset quality

Non-Performing Loans EUR mil
Gross Loans EUR mil
Provisions EUR mil
... ... ... ...     4,952 7,142 20,829 24,286 21,766    
            77,212 80,614 78,616 76,905 76,103    
            2,459 3,352 7,120 7,770 8,853    

growth rates

...           2.29% 3.36% -7.46% -3.30% -2.73%    
... ... ...       9.17% 3.60% -2.30% -0.877% -4.06%    
... ... ...       9.89% 4.43% -5.82% -2.52% -4.12%    
... ... ...       7.00% 1.04% 9.00% 3.69% -3.90%    
... ... ...       -4.62% 5.57% -3.39% -8.29% 4.65%    
...           11.3% 6.48% -11.6% -1.81% 5.85%    
...           12.3% 17.4% -102% 646% -517%    
...           5.23% -4.43% -12.5% -1.38% 7.07%    
... ... ...       5.99% -8.19% -9.58% -7.11% 5.79%    
... ... ...       3.79% 4.11% -20.6% 21.9% 9.72%    

Download Data
ratios Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

ratios

            10.5% 4.02% -232% 200% 27.0%    
            0.857% 0.346% -10.9% -2.02% 0.750%    
            2.32% 2.15% 2.23% 2.68% 2.36%    
            49.1% 54.1% 58.1% 67.6% 67.5%    
... ...         11.3% 13.7% -2.60% -6.10% 10.6%    
... ...         11.3% 13.1% -3.70% -6.70% 10.5%    
            3.69% 3.54% 3.38% 3.18% 2.93%    
...           3.47% 3.36% 3.26% 3.21% 2.86%    
            6.11% 5.47% 5.79% 5.89% 5.12%    
...           2.64% 2.11% 2.53% 2.68% 2.25%    
            0.000% 0.000% 0.000% 0.000% 0.000%    
            78.1% 89.4% 87.9% 80.3% 83.7%    
            13.0% 13.1% 11.3% 11.8% 14.0%    
            8.87% -2.55% 0.807% 7.94% 2.25%    
            63.3% 60.9% 63.6% 49.1% 60.1%    
            8.19% 9.03% -0.237% -1.80% 7.10%    
            105% 114% 120% 118% 107%    
            65.9% 64.0% 67.0% 66.0% 60.6%    
... ... ... ...     6.41% 8.86% 26.5% 31.6% 28.6%    
... ... ... ...     49.7% 46.9% 34.2% 32.0% 40.7%    
            3.29% 4.34% 9.96% 11.2% 13.2%    
            1.76% 1.91% 20.5% 4.48% 2.01%    

Download Data
other data Unit
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015

other data

... ... ... ... ... ... ... ... ... ... ...    
... ... ... ... ... ... ... ... ... ... 20,700    
... ... ... ... ... ... ... ... ... ... 18.7%    

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National Bank of Greece in Numbers

This Statistical Dossier offers a summary of National Bank of Greece's performance between 2003 and 2015, both on a quarterly as well as an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the

Read more »

This Statistical Dossier offers a summary of National Bank of Greece's performance between 2003 and 2015, both on a quarterly as well as an annual basis. The report can be downloaded in Excel file format.

You will find here all the key numbers from the bank's balance sheet, income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the Bank's businesses such as its loan portfolio.

If you are only interested in specific areas of the Bank's business, you find and download them at the Bank's Corporate Profile.

If you want to see more reports about the Bank, please, go to the Bank's Reports Page.

National Bank of Greece is a Greece-based financial group providing various banking products and services in Greece and the Southeastern Europe. Through a network of some 528 branches and 1,416 ATMs on the domestic market, the Bank offers its customers a wide range of financial services, including corporate and investment banking; retail banking, leasing and factoring; stock brokerage, asset management and venture capital; insurance; and real estate and consulting services. In addition, the Bank is involved in various other businesses, including hotel and property management. The Group is also active abroad, especially, in Turkey, Bulgaria, Serbia, Romania, Albania, Cyprus and Macedonia. The company was founded in 1841 and is headquartered in Athens, Greece.

 

National Bank of Greece's capital adequacy ratio reached 14.6% at the end of 2015, up from 13.6% when compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.6% in 2006 and an all time low of

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National Bank of Greece's capital adequacy ratio reached 14.6% at the end of 2015, up from 13.6% when compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 15.6% in 2006 and an all time low of -6.10% in 2012.

The Tier 1 ratio amounted to 14.6% at the end of 2015, up from 13.5% compared to a year earlier.

Bank's loan to deposit ratio reached 106% at the end of 2015, up from 105% when compared to the previous year. Some 10 years ago, loan to deposit ratio of the bank amounted to 68.1%.

When compared to bank's main peers, Alpha Bank Group ended the year 2015 with a capital adequacy ratio at 16.8% and loans to deposits of 147%, Piraeus Bank Group with 17.5% and 130% respectively and Eurobank Group some 17.4% in terms of capital adequacy and 127% of loans to deposits at the end of 2015.

You can see all the bank’s data at National Bank of Greece Profile, or you can download a report on the bank in the report section.

National Bank of Greece's capital adequacy ratio reached 14.6% at the end of fourth quarter of 2015, up from 9.60% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 16.2% in 2Q2014

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National Bank of Greece's capital adequacy ratio reached 14.6% at the end of fourth quarter of 2015, up from 9.60% when compared to the previous quarter. Historically, the bank’s capital ratio hit an all time high of 16.2% in 2Q2014 and an all time low of -2.60% in 4Q2011.

The Tier 1 ratio amounted to 14.6% at the end of fourth quarter of 2015, up from 13.6% compared to the same period of last year and up from 9.60% when compared to the the previous quarter.

Bank's loan to deposit ratio reached 91.1% at the end of 4Q2015, up from 85.1% when compared to the same period of last year.

When compared to bank's main peers, Alpha Bank Group ended the fourth quarter of 2015 with a capital adequacy ratio at 16.8% and loans to deposits of 147% and Eurobank Group with 17.4% and 127% respectively.

You can see all the bank’s data at National Bank of Greece Profile, or you can download a report on the bank in the report section.

National Bank of Greece's loans reached EUR 51,969 mil in the fourth quarter of 2015, down from EUR 52,477 mil when compared to the previous quarter and down from EUR 78,683 mil when compared to the same period of last year.

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National Bank of Greece's loans reached EUR 51,969 mil in the fourth quarter of 2015, down from EUR 52,477 mil when compared to the previous quarter and down from EUR 78,683 mil when compared to the same period of last year. Historically, the bank’s loans reached an all time high of EUR 81,123 mil in 2Q2010 and an all time low of EUR 51,969 mil in 4Q2015.

At the end of fourth quarter of 2015, National Bank of Greece's loans accounted for 91.1% of total deposits and 35.1% of total assets.

Mortgage loans represented 37.1% of the bank's loan book at the end of the year 4Q2015, consumer further 10.8% and corporate loans 53.4% of total loans.

You can see all the bank’s data at National Bank of Greece profile, or you can download a report on the bank in the report section.

National Bank of Greece generated total banking revenues of EUR 2,089 mil in 2015, down 6.07% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income

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National Bank of Greece generated total banking revenues of EUR 2,089 mil in 2015, down 6.07% when compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of EUR 5,077 mil in 2009 and an all time low of EUR 1,765 mil in 2003. The average revenue in the last five years amounted to EUR 3,330 mil.

Net interest income represented 91.2% of total revenues, fee income contributed 4.45% and other non-interest income added further 4.36% to the overall revenue generation in 2015.

Bank's total revenues accounted for 1.88% total assets in 2015, down from 1.93% a year earlier.

When compared to bank's main peers, Alpha Bank Group generated total revenues of 3.34% of assets in 2015, Piraeus Bank Group operated with 2.73% revenue margin and Eurobank Group produced total income worth 2.40% of assets.

You can see all the bank’s data at National Bank of Greece Profile, or you can download a report on the bank in the report section.

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