National Bank of Greece S.A

National Bank of Greece S.A

ETE · AT · Financial Services / Banks - Regional

17.44EUR-0.08 (-0.46%)

Price History

Full chart

Market Stats

Previous Close17.52
Open17.36
Day Range17.36 – 17.69
52-Week Range11.82 – 18.03
Volume2.51M
Market Cap14.99B
P/E (TTM)13.50
Forward P/E9.18
EPS1.23
Dividend Yield3.24%
Beta0.51
50-Day Avg16.80
200-Day Avg15.21

About

National Bank of Greece S.A., together with its subsidiaries, provides financial products and services in Greece, the United Kingdom, North Macedonia, Romania, Cyprus, Bulgaria, Malta, Egypt, and Luxembourg. It operates through Retail Banking, Corporate & Investment Banking, Trouble Assets Unit, Global Markets and Asset Management, Insurance, International Banking Operations, and Other segments. The Retail Banking segment provides deposit, investment, bancassurance products, mortgage loans, consumer and small business lending, debit and credit cards, prepaid cards, and other traditional products and services for individual customers, professionals, and small-medium and small sized companies through its network of branches and digital businesses. The Corporate & Investment Banking segment offers financial and investment advisory services, deposit accounts, loans, foreign exchange, and trade services for corporate customers; and lending services for large and medium-sized companies, as well as shipping finance services. The Trouble Assets Unit segment manages various loans. The Global Markets and Asset Management segment is involved in treasury activities; and provision of asset management, custody, private equity, and brokerage services. The Insurance offers various insurance products. The International Banking Operations segment offers traditional commercial banking, such as commercial and retail credit, trade financing, foreign exchange, and deposits; shipping finance; investment banking; and brokerage services through its foreign branches. The Other segment engages in the real estate management and warehousing businesses. National Bank of Greece S.A. was founded in 1841 and is headquartered in Athens, Greece.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEODr. Pavlos Konstantinos Mylonas Ph.D.
  • Employees8.10K
  • Headquarters86 Eolou Street, Athens, Greece, 10559, Greece
  • Websitehttps://www.nbg.gr

Leadership

  • Dr. Pavlos Konstantinos Mylonas Ph.D.CEO & Executive Director · b. 1958
  • Ms. Christina T. TheofilidiExecutive Director & GM of Retail Banking · b. 1967
  • Mr. Christos D. ChristodoulouGM & Group CFO · b. 1976
  • Mr. Stratos MolyviatisGM & Group COO · b. 1970
  • Mr. Vasilis KaramouzisGeneral Manager of Corporate & Investment Banking · b. 1977
  • Mr. Eleftherios KororosAssistant GM & Group Chief Information Officer
  • Mr. Gregory PapagrigorisHead of IR
  • Mr. Panagiotis-Ioannis A. DasmanoglouGM of Group Compliance & Corporate Governance and Secretary · b. 1963
  • Mr. Georgios TriantafillakisGeneral Manager of Group Legal Services · b. 1957
  • Ms. Chara DalekouGeneral Manager of Group Marketing · b. 1970

Financials

Income Statement

Currency: EUR1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue5.04B5.11B4.38B3.86B3.79B3.26B3.32B3.82B5.23B7.59B7.83B7.57B6.79B-3.26B6.04B6.84B3.53B2.85B2.09B1.96B1.65B2.02B2.81B2.17B2.27B3.30B3.57B2.79B
Growth (%)-+1.34%-14.17%-11.86%-1.83%-13.94%+1.73%+15.07%+36.98%+45.12%+3.12%-3.33%-10.27%-147.94%+285.39%+13.23%-48.41%-19.31%-26.49%-6.55%-15.60%+22.18%+39.29%-22.76%+4.70%+45.31%+8.24%-22.03%
Cost of Revenue2.69B2.44B2.29B1.46B1.32B916.08M661.91M1.08B1.67B2.62B3.29B2.45B2.07B2.61B2.73B3.20B904.00M616.00M324.00M248.00M221.00M256.00M206.00M149.00M152.00M522.00M696.00M189.00M
Gross Profit2.35B2.67B2.09B2.40B2.47B2.35B2.66B2.75B3.57B4.97B4.54B5.13B4.73B-5.87B3.30B3.63B2.62B2.23B1.77B1.71B1.43B1.76B2.60B2.02B2.12B2.78B2.88B2.60B
Gross Margin46.61%52.26%47.64%62.12%65.26%71.93%80.06%71.86%68.14%65.50%57.99%67.70%69.60%180.20%54.72%53.17%74.37%78.36%84.51%87.31%86.61%87.30%92.66%93.13%93.31%84.18%80.52%93.21%
Operating Expense1.70B1.70B1.46B2.09B2.42B2.16B2.49B1.99B2.55B3.34B3.40B4.50B4.99B8.18B5.65B3.40B4.44B5.84B1.73B1.84B1.42B1.50B2.19B1.22B964.00M1.30B1.36B949.00M
Operating Income647.17M966.96M625.00M306.83M51.36M188.70M172.75M759.70M1.01B1.63B1.15B629.87M-265.69M-14.05B-2.35B236.00M-1.81B-3.61B43.00M-131.00M13.00M257.00M414.00M799.00M1.16B1.48B1.52B1.65B
Operating Margin12.84%18.94%14.26%7.94%1.35%5.78%5.20%19.89%19.39%21.47%14.62%8.32%-3.91%431.32%-38.89%3.45%-51.46%-126.77%2.06%-6.70%0.79%12.75%14.74%36.84%50.86%44.82%42.47%59.14%
EBITDA698.33M1.03B735.74M443.94M188.47M288.35M277.93M843.80M1.11B1.77B1.31B817.89M-56.48M-13.83B-2.12B447.00M-1.61B-3.41B192.00M-32.00M104.00M389.00M568.00M962.00M1.33B1.67B1.70B1.85B
EBITDA Margin13.86%20.24%16.79%11.49%4.97%8.84%8.37%22.09%21.27%23.31%16.70%10.80%-0.83%424.53%-35.18%6.54%-45.62%-119.96%9.18%-1.64%6.30%19.30%20.23%44.35%58.43%50.52%47.68%66.57%
Net Income362.38M603.23M336.46M216.91M142.26M127.27M210.27M555.19M858.06M1.32B821.42M391.05M-354.77M-14.54B-2.54B37.00M66.00M-4.23B-2.89B-443.00M-84.00M-255.00M33.00M867.00M1.12B1.11B1.16B1.26B
Net Income Margin7.19%11.81%7.68%5.62%3.75%3.90%6.33%14.53%16.40%17.36%10.49%5.17%-5.22%446.39%-42.02%0.54%1.87%-148.52%-138.00%-22.66%-5.09%-12.65%1.18%39.97%49.32%33.52%32.42%45.21%
Interest Expense2.69B2.44B2.20B1.46B1.32B775.78M661.91M837.12M1.40B2.62B3.29B2.45B2.07B2.61B2.73B2.23B904.00M616.00M324.00M248.00M221.00M256.00M206.00M149.00M152.00M522.00M696.00M470.00M
Interest Expense % of Total Revenue53.39%47.74%50.15%37.88%34.74%23.77%19.94%21.91%26.80%34.50%42.01%32.30%30.40%-80.20%45.28%32.66%25.63%21.64%15.49%12.69%13.39%12.70%7.34%6.87%6.69%15.82%19.48%16.88%

Balance Sheet

Currency: EUR1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets39.34B43.72B44.75B57.67B61.95B55.23B54.61B60.01B75.71B90.96B101.85B113.18B118.73B103.47B101.16B106.84B115.21B111.17B78.53B64.77B65.09B64.25B77.48B83.96B78.11B74.58B74.96B78.89B
Total Liabilities38.68B41.84B43.13B55.93B60.30B53.60B52.86B57.54B69.29B83.27B94.86B103.82B109.99B107.37B106.95B104.22B104.75B101.35B70.94B57.39B59.46B58.97B72.40B78.19B71.64B66.93B66.50B69.80B
Total Equity542.29M1.61B1.23B1.43B1.39B1.39B1.58B2.37B5.64B6.92B6.19B8.52B7.92B-3.97B-5.85B2.58B9.69B9.10B6.91B6.70B4.96B5.26B5.07B5.75B6.45B7.63B8.42B9.05B
Cash5.94B4.86B6.11B10.18B7.24B6.38B5.95B4.02B6.28B8.41B6.37B7.67B11.25B8.85B8.58B9.31B9.67B5.51B4.23B4.02B7.49B6.94B13.13B20.00B17.39B12.02B7.92B5.46B
Total Debt2.69B779.13M1.17B473.17M1.19B7.43B1.84B5.37B7.87B5.90B4.92B3.67B4.92B3.86B4.14B8.54B5.99B1.25B673.00M1.20B1.41B2.68B2.22B2.23B2.95B3.07B4.26B7.11B
Net Debt-3.25B-4.08B-4.94B-9.71B-6.05B1.06B-4.10B1.35B1.60B-2.51B-1.45B-4.00B-6.33B-4.99B-4.43B-768.00M-3.68B-4.25B-3.55B-2.83B-6.07B-4.26B-10.91B-17.77B-14.44B-8.95B-3.66B1.65B

Cash Flow

Currency: EUR1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.07B-2.40B3.52B2.36B-474.12M2.68B3.29B-1.74B2.02B2.53B5.67B-372.24M1.33B-343.00M-1.71B1.07B-4.54B-845.00M-4.79B-7.47B4.64B-1.84B11.11B6.63B1.93B-4.78B1.97B3.17B
Investing Cash Flow-4.06B-244.47M-5.56B-6.39B-1.50B-2.28B-2.58B-1.36B-7.98B-12.75B-20.10B-10.09B-9.46B6.30B2.55B3.67B693.00M428.00M5.62B7.28B-831.00M-1.01B-5.01B-272.00M-1.08B-3.13B-5.59B-2.92B
Financing Cash Flow1.72B3.84B1.56B4.06B1.38B-361.47M-790.31M3.95B6.26B12.54B11.88B10.36B8.12B-5.61B-406.00M-4.82B4.00B214.00M-2.74B500.00M128.00M544.00M-453.00M-37.00M785.00M490.00M-984.00M-202.00M
Capital Expenditure69.07M88.45M100.09M206.80M131.19M161.82M216.22M117.67M153.08M218.00M249.66M196.41M165.57M144.00M133.00M200.00M849.00M316.00M177.00M188.00M151.00M151.00M178.00M179.00M193.00M0299.00M538.00M
Free Cash Flow1.00B-2.49B3.42B2.15B-605.32M2.52B3.07B-1.86B1.86B2.31B5.42B-568.64M1.17B-487.00M-1.84B866.00M-5.39B-1.16B-4.97B-7.66B4.49B-1.99B10.93B6.45B1.73B-4.78B1.68B941.00M
Dividends Paid63.95M111.30M165.03M259.62M281.31M104.16M165.78M193.25M338.56M474.61M212.15M42.84M63.79M24.00M----2.00M2.00M------332.00M605.00M
FCF to OCF93.56%103.68%97.16%91.23%127.67%93.96%93.43%106.76%92.40%91.37%95.60%152.76%87.57%141.98%107.77%81.24%118.68%137.40%103.69%102.52%96.74%108.20%98.40%97.30%89.97%100.00%84.85%29.70%
Dividend Paid to FCF6.38%-4.47%4.82%12.08%-46.47%4.14%5.39%-10.41%18.18%20.56%3.91%-7.53%5.47%-4.93%-----0.04%-0.03%------19.82%64.29%

Earnings

Report DateFeb 12, 2004Feb 24, 2005Nov 24, 2005Feb 28, 2006May 30, 2006Aug 30, 2006Nov 30, 2006Feb 21, 2007May 30, 2007Aug 30, 2007Nov 29, 2007Mar 4, 2008May 28, 2008Aug 28, 2008Nov 26, 2008Mar 17, 2009May 29, 2009Aug 28, 2009Nov 23, 2009Mar 18, 2010May 28, 2010Aug 27, 2010Nov 29, 2010Mar 23, 2011May 27, 2011Aug 30, 2011Nov 29, 2011May 31, 2012Aug 28, 2012Dec 21, 2012Mar 29, 2013May 24, 2013Aug 29, 2013Nov 27, 2013Mar 20, 2014May 30, 2014Aug 28, 2014Nov 28, 2014Mar 24, 2015May 28, 2015Nov 9, 2015Mar 15, 2016May 26, 2016Sep 2, 2016Nov 24, 2016Mar 30, 2017Apr 1, 2017Sep 1, 2017Nov 23, 2017Mar 30, 2018May 31, 2018Aug 31, 2018Nov 30, 2018Mar 28, 2019May 15, 2019Aug 30, 2019Nov 22, 2019Mar 31, 2020May 29, 2020Aug 7, 2020Nov 30, 2020Mar 26, 2021Apr 1, 2021Aug 6, 2021Nov 26, 2021Mar 16, 2022May 27, 2022Aug 4, 2022Nov 10, 2022Mar 16, 2023May 24, 2023Aug 2, 2023Nov 7, 2023Mar 12, 2024May 1, 2024Aug 2, 2024Nov 7, 2024Feb 28, 2025May 9, 2025Jul 31, 2025Nov 7, 2025Feb 27, 2026May 8, 2026Jul 31, 2026Nov 4, 2026Nov 5, 2026
EPS Estimate-374.80684.99694.77-----2391.781016.801171.631150.761192.281143.93-880.49720.00952.50-507.91472.63443.58165.00-180.00120.00-240.00--15.0045.00----6.00-3.005.25-13.50-----0.10--0.100.10-0.10-0.010.040.070.020.06-0.050.160.080.170.090.090.040.040.100.230.110.110.150.210.250.320.320.350.330.350.290.310.350.310.310.310.340.350.36
EPS Actual204.89439.42794.58721.17463.16519.00444.68314.59545.601705.441261.75887.391053.771026.041123.10496.79845.79830.85810.00-105.08280.3595.25237.75346.65157.26-210.00-47.25-672.75-1169.23-870.00493.6623.38102.00-5.0748.0012.00-2.524.13-35.93-6.75-17.07-2.240.01-3.350.02-0.10-0.20-0.10-0.10-0.100.040.010.02-0.080.120.120.16-0.660.450.060.15-0.010.020.030.100.110.390.310.180.480.250.310.380.340.350.360.370.360.420.340.300.300.380.35--
Surprise-17.24%16.00%3.80%------28.70%24.09%-24.26%-8.43%-13.94%-1.82%--3.94%15.40%-14.96%--44.80%-79.85%-46.40%110.09%--216.67%-139.38%-180.31%--5700.00%997.02%----100.00%16.00%-21.33%-166.15%------82.50%---200.00%-200.00%0.00%-0.00%-53.50%-214.29%500.00%100.00%--1420.00%181.25%-25.00%-11.76%-111.11%-77.78%-25.00%150.00%10.00%69.57%181.82%63.64%220.00%19.05%24.00%18.75%6.25%0.00%9.09%5.71%24.14%34.77%-2.86%-3.23%-1.81%22.58%2.94%--
Timing-Pre-marketPre-marketPre-market-----Pre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours-After-hoursPre-market----After-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-market-Pre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-After-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketPre-market

Key Statistics & Ratios

Market Cap14.99B
Enterprise Value15.99B
Trailing P/E13.50
Forward P/E9.18
PEG Ratio0.72
Price / Sales5.52
Price / Book1.48
EPS1.23
Book Value10.26
Revenue (TTM)2.72B
Gross Profit (TTM)2.69B
Profit Margin41.11%
Operating Margin59.36%
Return on Equity12.09%
Return on Assets1.39%
Shares Outstanding903.13M
Shares Float818.01M
Beta0.51
Dividend Yield3.24%
Dividend Rate0.51
Payout Ratio49.78%

Dividends

20261×
0.29Jun 10, 2026
20252×
0.22Nov 10, 20250.44Jun 3, 2025
20241×
0.36Jul 29, 2024
20211×
0.12Dec 14, 2021
20081×
301.09May 16, 2008
20071×
723.77Jun 1, 2007
20061×
674.64May 3, 2006
20051×
404.78May 18, 2005
20041×
337.32May 19, 2004
20031×
212.30May 12, 2003
20021×
518.95Apr 25, 2002
20011×
512.27Apr 11, 2001
20001×
395.57Mar 31, 2000
19991×
321.40May 27, 1999
19981×
216.18May 7, 1998
19961×
176.90Jun 20, 1996
19951×
151.63Jun 16, 1995
19941×
72.45Jul 1, 1994

Stock Splits

  • Sep 3, 20181:10
  • Dec 3, 20151:15
  • May 30, 2013817:522
  • Sep 21, 2010153:130
  • Jul 2, 2009899:831
  • May 16, 200826:25
  • Jun 14, 2006987:920
  • Jun 11, 200413:10
  • Jun 2, 200398163:89239
  • Apr 27, 20007:5
  • Apr 13, 1999412:393
  • Feb 1, 19994:1
  • May 26, 19986:5
  • Oct 7, 1997544:513
  • Mar 17, 199711:10