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National Bank of Greece
National Bank of Greece (ETE) investor relations material
National Bank of Greece Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Feb, 2026
Executive summary
FY25 delivered strong results with net profit after tax of €1.3b, ROTE at 15.5%, and EPS at €1.38, surpassing guidance and supporting a 60% payout and a proposed €0.3b additional distribution in 2026.
Achieved robust credit growth with net performing exposures expanding by €3.5b, and performing loans at €37.0b.
Fee income grew 10% year-over-year, driven by investment products, corporate segment, and treasury sales.
Completed migration to a new cloud-based Core Banking System, advancing digital transformation and operational agility.
Maintained robust capital and liquidity positions, with CET1 at 18.8% and total capital ratio at 21.5% (22.7% pro forma for AT1 issuance).
Financial highlights
Net interest income for FY25 was €2,136m, down 9.3% year-over-year, but NIM remained above 280bps and stabilized in Q4.
Fee income reached €469m, up 10% year-over-year, with strong growth in investment products and loan origination.
Operating expenses rose 7.3% year-over-year, mainly due to investments in technology and human capital; cost-to-income ratio at 34.1%.
Cost of risk settled at 40bps for the year, reflecting benign asset quality and sector-leading coverage.
Loan impairments declined 15.1% year-over-year.
Outlook and guidance
Business plan targets ROTE of 17% and EPS above €1.70 by 2028, with NII CAGR of ~7% and fee growth CAGR of ~6%.
Credit expansion projected to exceed €10b over the next three years, with high single-digit fee growth.
CET1 ratio targeted below 16% by 2028; cost-income ratio projected at 36%.
Capital deployment to balance growth, shareholder returns, and strategic flexibility, with buybacks and additional capital distributions planned.
2026 additional payout impact on 2028 CET1 target?
Time deposit migration to MFs: funding cost benefit?
Expected cost benefits from completed tech investments?
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Next National Bank of Greece earnings date
Q1 20268 May, 2026
National Bank of Greece
Next National Bank of Greece earnings date
Q1 20268 May, 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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