By Helgi Library - February 19, 2018
National Bank of Greece made a net profit of EUR -2,050 mil in the fourth quarter of 2015, down 84.9% when compared to the same p...
By Helgi Library - July 24, 2019
National Bank of Greece's non-performing loans reached 42.5% of total loans at the end of 2015-12-31, up from 24.3% compared to t...
By Helgi Library - May 2, 2018
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 ...
| Profit Statement | Jun 2015 | Sep 2015 | Dec 2015 | |
| Net Interest Income | EUR mil | 463 | 472 | 474 |
| Net Fee Income | EUR mil | 30.0 | 13.0 | 21.0 |
| Other Income | EUR mil | 110 | 21.0 | 29.1 |
| Total Revenues | EUR mil | 603 | 506 | 524 |
| Staff Cost | EUR mil | 306 | 286 | 210 |
| Operating Profit | EUR mil | 144 | -48.0 | -55.9 |
| Provisions | EUR mil | 12,204 | 12,357 | 12,843 |
| Net Profit | EUR mil | -1,616 | -401 | -2,050 |
| Balance Sheet | Jun 2015 | Sep 2015 | Dec 2015 | |
| Interbank Loans | EUR mil | 3,002 | 2,788 | 2,799 |
| Customer Loans | EUR mil | 41,240 | 40,120 | 39,126 |
| Total Assets | EUR mil | 113,526 | 110,872 | 111,566 |
| Shareholders' Equity | EUR mil | 8,214 | 7,267 | 9,825 |
| Interbank Borrowing | EUR mil | 28,963 | 26,948 | 25,166 |
| Customer Deposits | EUR mil | 41,496 | 41,890 | 42,959 |
| Issued Debt Securities | EUR mil | 25,902 | 25,515 | 24,895 |
| Ratios | Jun 2015 | Sep 2015 | Dec 2015 | |
| ROE | % | -70.0 | -20.7 | -96.0 |
| ROA | % | -5.55 | -1.43 | -7.37 |
| Costs (As % Of Assets) | % | 1.58 | 1.98 | 2.09 |
| Costs (As % Of Income) | % | 76.1 | 109 | 111 |
| Capital Adequacy Ratio | % | 9.60 | 9.60 | 14.6 |
| Net Interest Margin | % | 1.59 | 1.68 | 1.70 |
| Loans (As % Of Deposits) | % | 99.4 | 95.8 | 91.1 |
| NPLs (As % Of Loans) | % | 36.6 | 48.6 | 42.5 |
| Provisions (As % Of NPLs) | % | 72.3 | 71.3 | 74.6 |
| Growth Rates | Jun 2015 | Sep 2015 | Dec 2015 | |
| Total Revenue Growth | % | -24.1 | -45.2 | -42.0 |
| Operating Cost Growth | % | -8.75 | 2.21 | 6.23 |
| Operating Profit Growth | % | -50.5 | -113 | -116 |
| Net Profit Growth | % | -267 | -1,437 | 84.9 |
| Customer Loan Growth | % | -38.9 | -41.2 | -9.10 |
| Total Asset Growth | % | 2.11 | -2.15 | -3.38 |
| Customer Deposit Growth | % | -36.6 | -37.4 | -15.1 |
| Shareholders' Equity Growth | % | -29.2 | -37.7 | -5.37 |
| Employees | ... | ... | ... | |
Get all company financials in excel:
| summary | Unit | Apr 2024 | Dec 2015 |
| income statement | |||
| Net Interest Income | EUR mil | ... | |
| Total Revenues | EUR mil | ... | |
| Operating Profit | EUR mil | ... | |
| Net Profit | EUR mil | ... | |
| balance sheet | |||
| Interbank Loans | EUR mil | ... | |
| Customer Loans | EUR mil | ... | |
| Debt Securities | EUR mil | ... | |
| Total Assets | EUR mil | ... | |
| Shareholders' Equity | EUR mil | ... | |
| Interbank Borrowing | EUR mil | ... | |
| Customer Deposits | EUR mil | ... | |
| Issued Debt Securities | EUR mil | ... | |
| ratios | |||
| ROE | % | ... | |
| ROA | % | ... | |
| Costs (As % Of Assets) | % | ... | |
| Costs (As % Of Income) | % | ... | |
| Capital Adequacy Ratio | % | ... | |
| Net Interest Margin | % | ... | |
| Interest Income (As % Of Revenues) | % | ... | |
| Fee Income (As % Of Revenues) | % | ... | |
| Staff Cost (As % Of Total Cost) | % | ... | |
| Equity (As % Of Assets) | % | ... | |
| Loans (As % Of Deposits) | % | ... | |
| Loans (As % Assets) | % | ... | |
| NPLs (As % Of Loans) | % | ... | |
| Provisions (As % Of NPLs) | % | ... | |
| valuation | |||
| Book Value Per Share Growth | % | ... |
| income statement | Unit | Apr 2024 | Dec 2015 |
| income statement | |||
| 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 | ... | ... |
| growth rates | |||
| Net Interest Income Growth | % | ... | |
| Net Fee Income Growth | % | ... | |
| Total Revenue Growth | % | ... | |
| Operating Cost Growth | % | ... | |
| Operating Profit Growth | % | ... | |
| Pre-Tax Profit Growth | % | ... | |
| Net Profit Growth | % | ... |
| ratios | Unit | Apr 2024 | Dec 2015 |
| ratios | |||
| ROE | % | ... | |
| ROA | % | ... | |
| Costs (As % Of Assets) | % | ... | |
| Costs (As % Of Income) | % | ... | |
| Capital Adequacy Ratio | % | ... | |
| Tier 1 Ratio | % | ... | |
| Net Interest Margin | % | ... | |
| Asset Yield | % | ... | |
| Payout Ratio | % | ... | |
| Interest Income (As % Of Revenues) | % | ... | |
| Fee Income (As % Of Revenues) | % | ... | |
| Other Income (As % Of Revenues) | % | ... | |
| Cost Per Employee | USD per month | ... | ... |
| Cost Per Employee (Local Currency) | EUR per month | ... | ... |
| Staff Cost (As % Of Total Cost) | % | ... | |
| Equity (As % Of Assets) | % | ... | |
| Loans (As % Of Deposits) | % | ... | |
| Loans (As % Assets) | % | ... | |
| NPLs (As % Of Loans) | % | ... | |
| Provisions (As % Of NPLs) | % | ... | |
| Provisions (As % Of Loans) | % | ... | |
| Cost of Provisions (As % Of Loans) | % | ... |
| other data | Unit | Apr 2024 | Dec 2015 |
| other data | |||
| Employees | ... | ... | |
| Sight (As % Of Customer Deposits) | % | ... | |
| Risk-Weighted Assets | EUR mil | ... |
Get all company financials in excel:
By Helgi Library - April 26, 2018
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...
By Helgi Library - February 21, 2018
National Bank of Greece generated total banking revenues of EUR 524 mil in the fourth quarter of 2015, down 42% when compared to the same period of last year and up 3.58% when compared to the previous quarter. Historically, the bank’s revenues con...
By Helgi Library - October 7, 2019
National Bank of Greece's Equity reached 8.81% of total assets in the 4Q2015, down from 8.99% for the previous year. As a share of net customer loans, the ratio amounted to 25.1% at the end of the fourth quarter of 2015. ...
By Helgi Library - July 24, 2019
National Bank of Greece's customer loan growth reached -9.10% in 2015-12-31, up from -36.0% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 34.0% in 2009-03-31 and an all time low of -41.2% in 2015-09-30. I...
By Helgi Library - February 23, 2018
National Bank of Greece's net interest margin amounted to 1.68% in 2015, down from 1.77% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.72% in 2008 and an all time low of 1.68% in 2015. The aver...
By Helgi Library - March 7, 2018
National Bank of Greece made a net profit of EUR -4,227 mil under revenues of EUR 2,089 mil in 2015, up -6505% and -6.07% respectively compared to the previous year. Historically, the bank’s net profit reached an all time high of EUR 1,625 mil in 2007 and an all time low...
By Helgi Library - February 22, 2018
National Bank of Greece's non-performing loans reached 37.9% of total loans at the end of 2015, up from 26.4% compared to the previous year. Historically, the NPL ratio hit an all time high of 37.9% in 2015 and an all time low of 4.10% in 2008. Provision co...
By Helgi Library - May 4, 2018
National Bank of Greece's capital adequacy ratio reached 14.6% at the end of 2015, up from 13.6% 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 rati...
By Helgi Library - March 6, 2018
National Bank of Greece's loans reached EUR 58,218 mil in the 2015, down from EUR 78,683 mil compared to the previous year. Historically, the bank’s loans reached an all time high of EUR 80,614 mil in 2010 and an all time low of EUR 30,449 mil in 2005. ...
By Helgi Library - February 22, 2018
National Bank of Greece's customer loan growth reached -33.4% in 2015, down from 1.28% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 44.4% in 2006 and an all time low of -33.4% in 2015. In the last decade...
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 has been growing its revenues and asset by -14.8% and -1.63% a year on average in the last 5 years. Its loans and deposits have grown by -10.1% and -8.79% a year during that time and loans to deposits ratio reached 106% at the end of 2015. The company achieved an average return on equity of -9.16% in the last five years with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 67.7% in 2015, compared to 65.8% average in the last five years.
Equity represented 8.83% of total assets or 21.7% of loans at the end of 2015. National Bank of Greece's non-performing loans were 37.9% of total loans while provisions covered some 58.2% of NPLs at the end of 2015.
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