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National Bank of Greece (ETE) investor relations material
National Bank of Greece Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Profit after tax for 9M25 reached approximately €1.0 billion, with ROTE at 16.1% (15.6% normalized), supported by robust loan and fee growth despite lower interest rates.
CET1 ratio increased to 19.0%, providing sector-leading capital strength and strategic flexibility for growth and shareholder returns.
Transformation program advanced, including digital innovation and a core banking system upgrade set for completion in 1Q26.
Greek macroeconomic environment remains strong, with GDP growth expected to exceed 2% in coming years, driven by resilient corporate and household fundamentals, robust exports, and healthy consumption.
Interim dividend of €200 million to be paid in November, with a 60% payout accrued, the highest among Greek peers.
Financial highlights
Net interest income (NII) for 9M25 was €1.6 billion, down 9.8% year-on-year due to lower market rates; NIM at 284bps.
Fee income grew 8% year-on-year (14% excluding state measures), with investment product fees up 74% year-on-year.
Operating expenses rose 6.5–7.3% year-on-year, mainly due to investments in human capital and IT; cost-to-income ratio remained just over 33%.
Cost of risk for 9M25 was 41bps, below the full-year guidance of 45bps, reflecting benign asset quality.
EPS for the period was €1.4 on a normalized basis, in line with FY25 target.
Outlook and guidance
FY25 guidance reaffirmed: PAT around €1.0b, EPS of €1.4, ROTE above 15%, NPE ratio below 2.5%, and CET1 above 18%.
Performing loan growth expected to exceed €2.5b for FY25, with acceleration anticipated in 4Q25 and similar strong credit growth expected in 2026.
Q3 is expected to be the trough for NII, with gradual recovery anticipated from Q4 and more evident improvement in 2026, assuming stable rates.
Final payout ratio for 2025 will be announced with full-year results; interim dividend already announced.
NII trough: What if rates don't stabilize?
Explain 3Q25 Group trading income sharp drop
International PAT: Why zero in 3Q25?
Excess capital deployment strategy for 2026
Cost trajectory post core banking system completion
NII recovery drivers and timing in 2026
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Next National Bank of Greece earnings date
Q4 202512 Mar, 2026
Next National Bank of Greece earnings date
Q4 202512 Mar, 2026
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Frequently asked questions
The National Bank of Greece S.A. (ETE), founded in 1841, is the oldest and one of the largest banking institutions in Greece. It provides a comprehensive range of financial services including retail and commercial banking, asset management, brokerage, investment banking, insurance, and real estate on a global scale. The bank has a significant presence not only in Greece but also operates in several countries. This extensive network is segmented into various business areas such as Retail Banking, Corporate and Investment Banking, Special Asset Unit, Global Markets and Asset Management, Insurance, International Banking Operations, and more. The company is headquartered in Athens, Greece, and its shares are listed on the Athens Stock Exchange.
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