National Bank of Greece S.A.

Latest Results (16.11.2025):

National Bank of Greece S.A.’s interim financial results for the period ended 30 September 2025 show that the bank maintained stable, though slightly contracting, profitability compared to the prior period. The nine‐month report reveals a pre-tax profit of €1,179 million and a net profit for the period of €887 million (with €885 million attributable to NBG equity shareholders), while the three‐month results reported a profit of €275 million. Overall, key income components such as net interest income, fee and commission income, and comprehensive income indicate modest variations, with earnings per share declining to €0.97 for the nine‐month period and to €0.30 for the three‐month period from higher levels in the corresponding period of 2024.

Profitability Overview

For the nine‐month period ended 30 September 2025, National Bank of Greece S.A. reported a profit before tax of €1,179 million and a net profit of €887 million, compared to €987 million in the prior period. The three‐month results for the same quarter showed a decline in profit from €316 million to €275 million, emphasizing the challenges in maintaining previous profitability levels.

Income Composition

Net interest income declined from €1,782 million to €1,606 million over the nine‐month period, while fee and commission income experienced a modest increase from €372 million to €409 million. Similar patterns are observed in the three‐month figures, with net interest income and fee–related revenues reflecting adjustments in the bank's core operations.

Earnings per Share and Comprehensive Income

Earnings per share fell to €0.97 over the nine‐month period (down from €1.08) and to €0.30 over the three‐month period, highlighting a slight compression in profitability on a per-share basis. Meanwhile, the total comprehensive income for the nine‐month period remained relatively steady at about €1,023 million, reflecting stability in the bank’s overall financial performance despite the challenging market environment.