National Bank of Greece S.A.

National Bank of Greece S.A.

NBGIF
National Bank of Greece S.A.US flagOther OTC
16.93
USD
-0.85
- -
15.21BMarket Cap
National Bank of Greece S.A.
NBGIF
(Other OTC)

Recent

price

16.93

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9,303.99
-9,214.99
5,184.57
497.94
125.97
28.36
1.93
1.87
1.56
1.92
2.85
2.21
2.32
3.04
3.15
2.96
2.84
Revenue per Share
-838.93
-22,827.87
-3,981.01
4
3.17
-53.75
-3.34
-0.48
-0.09
-0.28
0.04
0.95
1.22
1.21
1.27
1.28
1.26
Basic EPS, GAAP
2,294.54
-764.64
-2,893.57
93.66
-258.99
-14.76
-5.43
-8.38
4.91
-2.18
11.95
7.05
1.88
-5.23
-2.74
3.49
3.66
Free Cash Flow per Basic Share
125.52
37.68
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.36
0.67
0.22
Dividend per Share
13,386.03
-12,194.53
-16,095.07
-1,545.31
-719.06
-293.84
-25.59
-25.85
3
3
3
1
2.41
3.63
4.92
5.89
1.01
Book Value per Share
8,705.87
-13,111.49
-16,120.17
-135.95
414.35
123.06
8.15
7.92
6
5.55
5.25
5.93
6.61
7.79
8.58
9.22
9.98
Tangible Book Value per Share
1
1
1
9
21
79
915
915
915
915
915
915
915
915
912
908
905
Basic Weighted Avg Shares
4,728
-5,869
3,304
4,604
2,623
2,230
1,768
1,707
1,429
1,760
2,602
2,020
2,119
2,778
2,876
2,691
2,573
Sales/Revenue/Turnover
- -
- -
- -
-3.89
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
209
221
224
211
206
194
149
99
91
132
154
163
172
188
186
207
210
Depreciation Expense
-355
-14,539
-2,537
37
66
-4,227
-2,887
-443
-84
-255
33
867
1,120
1,106
1,158
1,160
1,136
Net Income, GAAP
- -
- -
- -
70.76
- -
- -
44.19
- -
200
5.45
3.14
1.88
22.77
25.02
23.47
24.87
24.69
Effective Tax Rate (%)
-7.5
247.73
-76.79
0.8
2.52
-189.55
-163.29
-25.95
-5.88
-14.49
1.27
42.92
52.86
39.81
40.26
43.11
44.15
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
4,918
3,863
4,143
4,260
5,991
1,252
673
1,197
1,414
2,681
2,218
2,230
2,949
3,069
4,265
4,460
4,496
LT Debt
8,741
-3,903
-5,792
2,616
10,466
9,824
7,587
7,379
5,638
5,277
5,085
5,772
6,475
7,652
8,452
9,083
9,738
Total Equity
- -
- -
- -
-1.9
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
-6.9
- -
- -
- -
- -
- -
- -
- -
- -
-9.29
1.2
47.39
71.73
40.02
29.67
23.57
124.15
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
905
903
899
Market Capitalization
10,860
11,365
12,531

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
8,349
7,466
8,319
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.27%
12.36%
7.47%
Free Cash Flow
-133.71%
-153.53%
-226.82%
Net Income, GAAP
245.33%
512.01%
0.17%
Sales/Revenue/Turnover
4.13%
2.15%
-6.43%
Total Cash Common Dividend
- -
- -
82.23%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
764
695
714
575
2,876
2025
677
684
645
530
2,691
2026
714
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.39
0.34
0.35
0.19
1.27
2025
0.33
0.34
0.3
0.31
1.28
2026
0.3
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.36
2025
- -
- -
- -
0.22
0.67
2026
- -
- -
- -
- -
- -
Business
National Bank of Greece S.A. (NBGIF) provides a comprehensive range of banking and financial services to retail, corporate, and institutional clients primarily in Greece, with additional operations in Cyprus, North Macedonia, Romania, Bulgaria, Luxembourg, the Netherlands, the United Kingdom, Malta, and Egypt; headquartered in Athens at 86 Aiolou Street since its founding in 1841 as the first bank of the modern Greek state, the bank operates through key segments including Retail Banking, which offers deposits, investment and bancassurance products, mortgage loans, consumer and small business lending, debit and credit cards, prepaid cards, and digital services to individuals, professionals, and SMEs; Corporate & Investment Banking, delivering financial and investment advisory, loans, foreign exchange, trade services, and shipping finance to large and medium-sized corporates; Global Markets and Asset Management; Trouble Assets Unit; International Banking Operations; as well as specialized services such as transactional banking, leasing, factoring, brokerage, real estate management, insurance, and pioneering digital banking solutions supporting 3.1 million active digital customers via 356 branches, 1,476 ATMs in Greece, and subsidiaries like Stopanska Banka A.D. in North Macedonia and NBG Cyprus. In recent developments, NBG has tripled its structured financing activity to €6 billion disbursed since 2020, achieving 70% year-on-year growth in 2024; upgraded its full-year 2025 targets to performing loan expansion exceeding €2.5 billion, disbursements of €4 billion in the first half of 2025, and return on tangible equity above 15%; announced plans for an interim dividend in Q4 2025 and exploration of value-accretive mergers and acquisitions; advanced completion of its core banking system replacement by Q1 2026 to bolster digital capabilities; and participated in landmark transactions including financing Greece's first energy storage project and EIB facilities for SMEs and mid-caps, while benefiting from Hellenic Financial Stability Fund divestments reducing state ownership.

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