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National Bank of Greece (ETE) investor relations material
National Bank of Greece Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Profit after tax reached €700M in 1H25, flat year-over-year, supported by resilient income, strong fee growth, and robust capital and liquidity positions, with CET1 at 18.9% and NPE ratio at 2.5%.
Upgraded FY25 guidance for return on tangible equity (>15%), EPS (c€1.4), and performing loan expansion (>€2.5b), with payout ratio raised to 60% and interim dividend planned for Q4 2025.
Transformation and digital initiatives, including core banking system upgrade and digital partnerships, drive operational efficiency and customer engagement.
ESG initiatives advanced, highlighted by €750m green bond issuance and increased sustainable financing.
Greek economy remains resilient, with GDP growth above 2%, robust labor market, rising wages, and strong corporate investment.
Financial highlights
Net interest income declined 9% year-over-year to €1,080m due to lower benchmark rates; fee income grew 14% year-over-year (adjusted), driven by investment products, credit origination, and card fees.
Cost-to-income ratio at 31.2% (32.5% normalized), with operating expenses up 5–7% year-over-year.
ROTE at 17.5% (16.3% normalized), exceeding revised FY25 target; EPS at €1.43.
Performing loans grew 12% year-over-year in H1 2025; NPE coverage at 99.8–100%.
Payout ratio increased to 60%, with interim dividend planned for Q4 2025.
Outlook and guidance
Upgraded 2025 guidance: ROTE >15%, EPS c€1.4, cost of risk <45bps, and performing loan expansion >€2.5b.
Net interest income expected to see a slight decline in Q3, then stabilize; 9% year-over-year decline for 2025.
Interim dividend of about one-third of 2025 payout planned for Q4, subject to regulatory approval.
Capital position expected to remain strong, supporting higher payouts and strategic flexibility.
NPE ratio guidance maintained at <2.5%.
Explain drivers for revised FY25 ROTE guidance.
Assess impact of Core Banking System upgrade.
How does NBG manage fixed income exposure?
NII stabilization post-Q3 decline?
M&A focus and IT system competitive edge
Progress from key digital partnerships
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Next National Bank of Greece earnings date
Q3 20256 Nov, 2025
Next National Bank of Greece earnings date
Q3 20256 Nov, 2025
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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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