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Complete financial analysis of National Bank of Greece S.A. (NBGIF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of National Bank of Greece S.A., a leading company in the Banks – Regional industry within the Financial Services sector.
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National Bank of Greece S.A. (NBGIF)
About National Bank of Greece S.A.
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. The company 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. As of December 31, 2021, the company operates 337 branches, 16 Transaction Offices, 2 I-Bank Stores, and 1,474 ATMs in Greece. National Bank of Greece S.A. was founded in 1841 and is headquartered in Athens, Greece.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.52B | 2.41B | 2.02B | 2.59B | 1.77B | 1.47B | 1.73B | 2.46B | 2.50B | 3.99B | 4.32B | 3.30B | 4.37B | 4.84B | 2.37B | 4.61B | 4.97B | 3.75B | 3.19B | 2.82B | 2.61B | 2.47B | 2.40B | 2.18B | 2.67B | 2.35B |
| Cost of Revenue | 369.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 2.15B | 2.41B | 2.02B | 2.59B | 1.77B | 1.47B | 1.73B | 2.46B | 2.50B | 3.99B | 4.32B | 3.30B | 4.37B | 4.84B | 2.37B | 4.61B | 4.97B | 3.75B | 3.19B | 2.82B | 2.61B | 2.47B | 2.40B | 2.18B | 2.67B | 2.35B |
| Gross Profit Ratio | 85.37% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 208.00M | 166.00M | 153.00M | 149.00M | 172.00M | 221.00M | 225.00M | 257.00M | 186.00M | 374.00M | 391.00M | 604.00M | 721.43M | 0.00 | 725.03M | 0.00 | 0.00 | 1.05B | 926.88M | 0.00 | 557.18M | 0.00 | 0.00 | 679.30M | 0.00 | 0.00 |
| Selling & Marketing | 670.00M | 25.00M | 38.00M | 27.00M | 32.00M | 29.00M | 0.00 | 22.00M | 22.00M | 53.00M | 68.00M | 66.87M | 56.95M | 185.61M | 83.33M | 87.45M | 89.86M | 62.81M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 902.00M | 191.00M | 191.00M | 176.00M | 204.00M | 221.00M | 225.00M | 257.00M | 186.00M | 374.00M | 391.00M | 66.87M | 721.43M | 185.61M | 725.03M | 87.45M | 89.86M | 1.05B | 926.88M | 0.00 | 557.18M | 0.00 | 0.00 | 679.30M | 0.00 | 0.00 |
| Other Expenses | 0.00 | -359.00M | -444.00M | -395.00M | -376.00M | -414.00M | -258.00M | -374.00M | -995.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 902.00M | 999.00M | 1.05B | 987.00M | 1.04B | 1.08B | 1.07B | -1.14B | 2.03B | 2.81B | 3.07B | 3.39B | 6.01B | 3.81B | 2.53B | 3.46B | 3.30B | 2.53B | 2.11B | 2.41B | 2.22B | 2.33B | 2.00B | 1.57B | 1.47B | 1.55B |
| Cost & Expenses | 902.00M | 999.00M | 1.05B | 987.00M | 1.04B | 1.08B | 1.07B | -1.14B | 2.03B | 2.81B | 3.07B | 3.39B | 6.01B | 3.81B | 2.53B | 3.46B | 3.30B | 2.53B | 2.11B | 2.41B | 2.22B | 2.33B | 2.00B | 1.57B | 1.47B | 1.55B |
| Interest Income | 2.26B | 1.52B | 1.36B | 1.38B | 1.43B | 1.34B | 1.81B | 2.12B | 2.56B | 5.29B | 5.52B | 5.93B | 6.59B | 6.15B | 6.55B | 6.70B | 5.61B | 3.50B | 2.53B | 2.21B | 2.13B | 2.71B | 2.75B | 3.04B | 3.24B | 3.46B |
| Interest Expense | 0.00 | 152.00M | 149.00M | 206.00M | 247.00M | 243.00M | 256.00M | 342.00M | 654.00M | 2.16B | 2.36B | 2.73B | 2.74B | 2.07B | 2.61B | 3.29B | 2.62B | 1.40B | 885.04M | 702.40M | 822.12M | 1.32B | 1.46B | 2.20B | 2.44B | 2.69B |
| Depreciation & Amortization | 188.00M | 170.00M | 161.00M | 151.00M | 124.00M | 73.00M | 90.00M | 93.00M | 194.00M | 206.00M | 226.00M | 224.29M | 226.23M | 209.22M | 221.91M | 162.48M | 139.81M | 98.68M | 88.92M | 113.00M | 106.16M | 137.11M | 137.12M | 110.73M | 66.58M | 51.16M |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -0.03 | -0.84 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 64.44% | 51.73% | 7.85% | -6.23% | 3.00% | -18.38% | -109.92% | -201.12% | -31.52% | 1.14% | -64.88% | -302.22% | 0.06% | 60.49% | 26.58% | 35.58% | 31.22% | 28.88% | 11.98% | 13.02% | 11.97% | 19.77% | 33.64% | 38.73% | 29.74% |
| Operating Income | 1.62B | 1.38B | 882.00M | 49.00M | -242.00M | -47.00M | -417.00M | -2.85B | -5.22B | -1.46B | -177.00M | -2.37B | -13.44B | -206.43M | 1.21B | 1.06B | 1.63B | 1.07B | 833.08M | 224.46M | 233.06M | 159.12M | 337.17M | 623.94M | 966.96M | 647.17M |
| Operating Income Ratio | 64.25% | 57.31% | 43.66% | 1.89% | -13.70% | -3.21% | -24.10% | -115.98% | -208.88% | -36.69% | -4.10% | -71.67% | -307.40% | -4.26% | 51.13% | 23.06% | 32.77% | 28.59% | 26.09% | 7.97% | 8.94% | 6.43% | 14.05% | 28.57% | 36.24% | 27.56% |
| Total Other Income/Expenses | -142.00M | -138.00M | -222.00M | -166.00M | -157.00M | 13.00M | -52.00M | -63.00M | -204.00M | -146.00M | 9.00M | -585.00M | -14.05B | -59.27M | 40.78M | -3.45B | -2.76B | -58.19M | -86.43M | -51.71M | -44.37M | 51.36M | -30.35M | 105.41M | -2.50B | -2.74B |
| Income Before Tax | 1.48B | 1.16B | 799.00M | 413.00M | 270.00M | 9.00M | -137.00M | 87.00M | -3.59B | -1.42B | -179.00M | -2.35B | -13.42B | -150.35M | 1.25B | 1.06B | 1.63B | 1.01B | 803.18M | 224.46M | 233.06M | 51.36M | 306.83M | 623.94M | 966.96M | 647.17M |
| Income Before Tax Ratio | 58.62% | 47.87% | 39.55% | 15.96% | 15.29% | 0.61% | -7.92% | 3.54% | -143.50% | -35.68% | -4.15% | -71.08% | -306.96% | -3.10% | 52.85% | 23.06% | 32.77% | 27.04% | 25.16% | 7.97% | 8.94% | 2.08% | 12.79% | 28.57% | 36.24% | 27.56% |
| Income Tax Expense | 370.00M | 263.00M | 15.00M | 11.00M | 13.00M | 37.00M | 26.00M | 34.00M | -997.00M | -1.53B | -986.00M | 169.14M | -1.10B | 61.63M | 288.72M | 242.08M | 311.49M | 214.70M | 246.11M | 14.35M | 105.79M | 16.86M | 120.26M | 288.54M | 363.73M | 284.79M |
| Net Income | 1.11B | 1.12B | 867.00M | 33.00M | -255.00M | -84.00M | -443.00M | -2.89B | -4.23B | 66.00M | 809.00M | -2.54B | -12.34B | -268.06M | 922.57M | 788.74M | 1.32B | 858.06M | 555.19M | 210.27M | 127.27M | 142.26M | 216.91M | 336.46M | 603.23M | 362.38M |
| Net Income Ratio | 43.84% | 46.42% | 42.92% | 1.28% | -14.44% | -5.73% | -25.61% | -117.36% | -169.01% | 1.66% | 18.74% | -76.79% | -282.35% | -5.53% | 38.94% | 17.10% | 26.51% | 22.86% | 17.39% | 7.46% | 4.88% | 5.75% | 9.04% | 15.41% | 22.61% | 15.43% |
| EPS | 1.21 | 1.22 | 0.95 | 0.04 | -0.28 | -0.09 | -0.48 | -3.16 | -5.38 | 3.00 | 87.50 | -3.98K | -19.38K | -527.49 | 2.29K | 1.87K | 3.49K | 2.58K | 1.99K | 811.20 | 497.96 | 505.65 | 830.61 | 1.50K | 2.19K | 2.44K |
| EPS Diluted | 1.21 | 1.22 | 0.95 | 0.04 | -0.28 | -0.09 | -0.48 | -3.16 | -5.38 | 3.00 | 87.50 | -3.98K | -19.38K | -527.49 | 2.29K | 1.87K | 3.48K | 2.58K | 1.99K | 811.20 | 497.96 | 505.65 | 830.61 | 1.50K | 2.19K | 2.14K |
| Weighted Avg Shares Out | 914.62M | 914.70M | 914.59M | 914.53M | 914.52M | 914.56M | 914.56M | 914.59M | 786.38M | 20.82M | 9.25M | 637.28K | 636.90K | 508.19K | 403.73K | 419.32K | 377.53K | 333.55K | 278.86K | 259.82K | 255.59K | 281.34K | 261.15K | 224.29K | 275.75K | 146.96K |
| Weighted Avg Shares Out (Dil) | 914.62M | 914.70M | 914.59M | 914.53M | 914.52M | 914.56M | 914.56M | 914.59M | 786.38M | 20.82M | 9.25M | 637.28K | 636.90K | 508.19K | 403.73K | 419.32K | 378.33K | 333.57K | 278.86K | 259.82K | 255.59K | 281.34K | 261.15K | 299.46K | 275.75K | 162.58K |
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Source: https://incomestatements.info
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