National Bank of Greece2015年年度报告.pdf

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1、GROUP FINANCIAL HIGHLIGHTS Profit&loss account data(millions)2015 2014 2013 Net interest income 1,905 1,998 3,157 Net fee&commission income 93 139 529 Earned insurance premia net of claims&commissions 88 86 67 Net trading income&results from investment securities(64)(187)(95)Net other income(50)28 1

2、13 Total operating income 1,972 2,064 3,771 Total operating expenses&other non-cash expenses(1,302)(1,357)(2,572)Operating profit/(loss)before provisions 671 707 1,199 Credit provisions&other impairment charges(4,263)(2,523)(1,373)Share of profit/(loss)of equity method investments 3 1(5)Profit/(loss

3、)before tax&minorities(3,589)(1,815)(179)Taxes 997 1,606 986 Profit/(loss)from discontinued operations(1,606)315-Minorities 29 40(2)Attributable profit/(loss)(4,227)66 809 Balance sheet data(millions)Due from banks(net)2,799 3,324 2,847 Loans&advances to customers(net)45,375 68,109 67,250 Investment

4、 securities&financial assets 18,603 19,123 20,564 Other assets 44,455 24,656 20,269 Total assets 111,232 115,212 110,930 Due to banks 25,166 22,226 27,897 Due to customers 42,959 64,929 62,876 Debt securities in issue&other borrowed funds 1,252 5,991 3,806 Other liabilities 32,756 12,706 9,240 Total

5、 shareholder equity 9,099 9,612 7,111 Total equity&liabilities 111,232 115,212 110,930 Key figures&ratios Earnings(losses)per share()(0.36)0.32 0.62 Net interest margin 2.8%2.8%3.4%Core Tier I 14.6%13.5%10.3%Total CAR 14.6%13.6%11.2%Staff numbers(year end)33,957 34,129 37,591 *Earnings/(losses)per s

6、hare Diluted from continuing and discontinued operations*The 31.12.14 figures have been calculated excluding year-end profits as per Article 26-2 of E.U.Regulation 575/2013.Credit ratings Long-term Short-term Moodys Caa3 NP Standard&Poors SD SD Fitch Ratings RD RD CONTENTS LETTERS TO SHAREHOLDERS 1