National Bank of Greece2016年年度报告.pdf

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1、CONTENTSLETTERS TO SHAREHOLDERSBOARD OF DIRECTORSNBG SENIOR MANAGEMENTFINANCIAL REVIEW 2016THE NBG SHARESHAREHOLDER STRUCTURESECTION 1:SECTION 2:SECTION 3:SECTION 4:SECTION 5:THE FINANCIAL ENVIRONMENTACTIVITIES OF THE GROUP IN GREECEINTERNATIONAL ACTIVITIES OF THE GROUPOTHER NBG GROUP ACTIVITIESRISK

2、 MANAGEMENT&CORPORATE GOVERNANCE1.11.21.32.12.22.32.42.52.63.13.23.33.43.53.64.14.25.1THE GLOBAL ENVIRONMENTTHE GREEK ECONOMYTHE GREEK BANKING SECTORRETAIL BANKINGBUSINESS BANKINGASSET MANAGEMENTINVESTMENT BANKINGSTRATEGY FOR OPERATIONS UPGRADENBG OMBUDSMANTHE GROUPS INTERNATIONAL PRESENCESTOPANSKA

3、BANKA ADBANCA ROMANEASCA SAVOJVODJANSKA BANKA ADBANKA NBG ALBANIA SH.ANATIONAL BANK OF GREECE(CYPRUS)INSURANCEREAL ESTATEGROUP RISK MANAGEMENTMortgage lendingCredit cards and consumer loansLending to small businessesGroup Retail Collections ManagementCorporate lendingProject financeLending to medium

4、-sized businessesLeasingShippingGlobal transaction servicesCorporate Special Assets UnitDeposits-Investment productsMutual FundsPrivate bankingTreasuryBrokerageCustodian servicesBranch networkAlternative networksMarket riskCredit riskCounterparty riskIssuer riskCountry riskOperational riskLiquidity

5、riskSecuritization risk146810111213151920212121222324242425252626272727282929293030313131333435363737383839404042434347525354545760SUMMARY FINANCIAL STATEMENTSINDEPENDENT AUDITORS REPORTSUMMARY FINANCIAL DATA 2016REPORT OF FACTUAL FINDINGS ON AGREED UPON PROCEDURES ON COUNTRY BY COUNTRY REPORTINGDIS

6、CLOSURES IN ACCORDANCE WITH ARTICLE 81 OF LAW 4261/2014INVITATION TO THE BANKS ANNUAL GENERAL MEETING OF SHAREHOLDERS5.25.35.4REGULATORY COMPLIANCEINTERNAL AUDITCORPORATE GOVERNANCE616263646567737578NBG-ANNUAL REPORT 2016-1-LETTER TO SHAREHOLDERS Ladies and Gentlemen,In the past year,the Greek econo