National Bank of Greece S.A.
NBGRY
Other OTC18.11
USD
+0.32
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National Bank of Greece S.A.
NBGRY
(Other OTC)
Recent
price
18.11
P/E
ratio
- -
div
yld
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ROIC.AI
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- Business
- National Bank of Greece S.A. (NBG) provides a comprehensive range of retail, corporate, and investment banking services; transactional banking; leasing and factoring; brokerage; asset management; real estate management; bancassurance; and specialized asset solutions to individual, business, and institutional clients throughout Greece and select international markets. The bank offers deposit-taking products including sight and time deposits; lending solutions such as mortgage loans, personal loans, consumer loans, small business loans, SME loans, and corporate financing with emphasis on sectors like energy (including renewables), shipping, hotels, light manufacturing, and transportation; cards; collections and payments; investment options encompassing stocks, bonds, and mutual funds; insurance through Ethniki Insurance; digital banking platforms serving 3.1 million active customers; import/export services; and structured financing, which has seen disbursements triple to €6 billion since 2020 with 70% year-on-year growth in 2024. NBG maintains an extensive domestic network of 356 branches and 1,476 ATMs across Greece, complemented by international operations via subsidiaries Stopanska Banka A.D. in North Macedonia, National Bank of Greece (Cyprus) Ltd. in Cyprus, and service points in Egypt, Australia, and Bulgaria. Founded in 1841 and headquartered at 86 Aiolou Street, Athens, Greece, NBG operates as one of Greece's four dominant systemic banks under direct supervision by the European Central Bank, targeting retail customers (holding approximately one-quarter of the market), SMEs, mid-caps, corporates, and institutional investors with a focus on economic recovery and green financing initiatives. Among its latest major developments, NBG entered a definitive agreement in September 2025 with funds managed by Bain Capital to dispose of a €0.1 billion portfolio of secured non-performing exposures (Project Etalia A), comprising consumer, mortgage, small business, and SME loans at 45% of principal, expected to complete in Q1 2026 and prove capital accretive as part of its NPE management strategy. In October 2024, the Hellenic Financial Stability Fund (HFSF) completed the sale of its remaining 10% stake in NBG for €691 million, marking the full privatization of the bank. NBG upgraded its full-year 2025 guidance in Q2 to exceed €2.5 billion in performing loan expansion (nearing €3 billion with Q3 results), announced a €200 million interim dividend for Q4 2025, advanced digital transformation with core banking system replacement set for Q1 2026 completion, and continued strong disbursements including financing for Greece's first energy storage project while planning a voluntary exit scheme for early 2026 to optimize operations.
National Bank of Greece S.A. (NBGRY) Q1 2026 Earnings Call Transcript
National Bank of Greece S.A. (NBGRY) Q3 2025 Earnings Call Transcript